One of the biggest financial goals for many individuals and families in India is – getting their own home. As real estate prices continue to rise, most people rely on home loans to bridge the gap between dream and affordability. While procuring a home loan is easy, identifying the right lender is where it gets really tough. That’s where Shubham Housing Finance steps in. We simplify your home loan journey with a customer-centric approach and inclusive financial solutions.
What is a Home Loan?
A home loan is a secured financial product offered by banks or housing finance companies to help individuals purchase or construct a residential property. The borrower repays the loan amount in monthly installments, known as EMIs (Equated Monthly Installments), over an agreed tenure along with applicable interest. Since property prices are often beyond one’s immediate financial capacity, home loans bridge this gap and make homeownership achievable.
You can also avail a home loan for purposes like home renovation, repairs, or extending an existing house. The loan amount, interest rate, and repayment tenure depend on the applicant’s income, credit score, property value, and lender policies. You can use a home loan EMI calculator to calculate the EMI amount that you need to pay for your home loan.
Advantages of Taking a Home Loan
Tax Benefits
One of the major perks of a home loan is the tax savings. Under Section 80C, you can claim deductions on the principal amount. Under Section 24(b), you can also claim deductions on interest paid. This brings down your overall tax liability.
Builds Your Credit Score
Timely repayment of a home loan boosts your credit score. It reflects positively on your credit history. A good score makes it easier to get future loans or credit cards. A home loan is a great way to build long-term creditworthiness.
Keeps Savings Intact
Instead of depleting your entire savings, you can use a home loan to finance your purchase. This helps maintain your liquidity for emergencies or investments. Your personal savings remain untouched while the loan funds your home.
Increases Property Value Over Time
Investing in a home through a loan can result in capital appreciation. As property values rise, your investment gains worth. You benefit from both residential comfort and future asset value. It’s a financially sound long-term decision.
Flexibility in Tenure & EMI
Home loans come with flexible repayment options. You can choose a tenure ranging from 5 to 30 years. Based on your income, the EMI amount can be adjusted. This makes repayment comfortable and stress-free.
Why Choose Shubham Home Loans?
We provide customized and flexible home loan that suit the needs of diverse clients, such as salaried individuals, self-employed people, and semi-urban borrowers. Whether you are purchasing a new house, upgrading an existing one, or constructing your ideal home, Shubham has solutions that perfectly fit your needs to make your dream a reality in no time.
Here are 6 reasons why you should choose us for a home loan:
Simple and Transparent Process
We believe that our every customer is unique. Instead of using a one-size-fits-all approach, we assess each applicant’s needs, financial behavior, and repayment ability before offering a customized loan plan. Their process goes beyond just credit scores and paperwork, making it easier for more people to access the benefits of housing finance.
We ensures full transparency, minimal documentation, and zero hidden charges. You are guided through every step, so there’s no confusion or surprises.
Quick Approval and Disbursement
Quick approval is a crucial factor when you’re trying to buy a house or close a property deal. With streamlined internal processes and dedicated support, Shubham Housing Finance ensures quick loan approval and disbursement. This means less waiting, faster decisions, and better chances of closing your deal on time.
Our teams work closely with applicants to make the verification and approval process as seamless as possible. You don’t have to deal with long delays or endless follow-ups — just a fast and hassle-free experience.
Competitive Rates and Flexible Tenure
When it comes to long-term borrowing like home loans, the interest rate and repayment tenure can significantly affect your monthly budget. We offer competitive interest rates that help keep your EMIs within a manageable range. Whether you’re looking for a shorter repayment period or a longer one to reduce monthly outflow, you have the flexibility to choose what works for you.
To make things even easier, our online home loan EMI calculator gives you a clear view of your monthly payments, total interest, and full loan cost. This allows you to plan your finances wisely and avoid any surprises down the road.
Comprehensive Services
Shubham isn’t just a home loan provider. We also offer a comprehensive suite of housing finance solutions. If you already have a loan with another lender, you can transfer it to Shubham to take advantage of better terms and lower interest rates.
Our one-stop approach to housing finance ensures you don’t need to juggle between different lenders for your needs.
Innovation and Adaptability
In a constantly evolving market, Shubham Housing Finance stays ahead of the curve by adopting innovative technologies and adaptive methods. Our innovative models and tools like the EMI calculator make them a modern and reliable choice for today’s home loan seekers.
Community and Inclusivity
Our commitment to community and inclusivity is one of our strongest values. The company actively works to bring housing finance to under banked and underserved segments of society. We believe in financial inclusion and work towards creating equal opportunities for all — especially for those who may have been left out by traditional financial systems.
Whether you live in a metro or a small town, whether you’re a salaried employee or a small business owner, Shubham is here to help you turn your home ownership dream into a reality.
Make Your Dream of Owning a Home Real
When you’re ready to take the next step toward owning your dream home, you need a lending partner who understands your needs, supports you throughout the process, and offers flexible, affordable financing. Shubham Housing Finance is that partner. With our customer-focused approach, quick processes, competitive rates, and wide range of services, we make getting a home loan simpler and smarter.
If you’re looking for a lender that values trust, transparency, and inclusivity, Shubham Housing Finance is the right choice.
