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Loan Product

Home Loan

Seamless mortgage loans to help you own your dream home

Up to 90% of property value 8.40% – 11% p.a. Up to 30 years
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Owning a home is a cherished milestone, but financing it can feel overwhelming. At Jessica Fincorp, we specialise in mortgage loans that are simple, transparent, and tailored to your needs — whether you're a first-time buyer or upgrading to your forever home. Banks and Housing Finance Companies typically offer mortgage loans covering 75% to 90% of the property's value, subject to RBI Loan-to-Value norms, with tenures extending up to 30 years. We compare interest rates and features across leading lenders to help you find the best home loan solution for your profile — whether you're purchasing a new property or refinancing an existing one.

Competitive Interest Rates

Access some of the most competitive rates in the mortgage loan industry, crafted to fit your budget.

Flexible Tenure Options

Choose a repayment tenure ranging from 5 to 30 years for maximum comfort.

Simplified Documentation

A streamlined, hassle-free documentation process with no complex paperwork.

High Loan-to-Value Ratio

Avail up to 90% financing of your property's value, reducing the burden of a hefty down payment.

Quick Processing

Benefit from fast loan approvals and disbursal so you can move into your dream home sooner.

Exclusive Benefits for First-Time Buyers

Special offers designed for those taking their first home loan.

Transparent Procedures

No hidden charges or surprises — every step of the process is clearly communicated.

Eligibility Criteria

  • Nationality: Indian Residents, Non-Resident Indians (NRIs), and Persons of Indian Origin (PIOs)
  • Minimum Age: 18 years (21 years with some lenders)
  • Maximum Age: Usually 70 years at loan maturity, extending to 75 with some lenders
  • Work Experience: At least 2 years for salaried applicants
  • Business Continuity: At least 3 years for self-employed applicants
  • Minimum Salary: At least ₹25,000 per month (varies by lender and location)
  • Loan Amount: Up to 90% of the property value

Documents Required

  • Identity Proof: PAN Card, Passport, Aadhaar Card, Voter's ID, or Driving License
  • Age Proof: Aadhaar Card, PAN Card, Passport, Birth Certificate, 10th mark-sheet, Bank Passbook, or Driving License
  • Address Proof: Bank Passbook, Voter's ID, Ration Card, Passport, utility bills, or LIC Policy Receipt
  • Income Proof (Salaried): Form 16, latest payslips, ITR of past 3 years, and investment proofs if any
  • Income Proof (Self-Employed): Business license details, proof of business address, ITR of last 3 years, balance sheet and P&L statement
  • Property Documents: NOC from society/builder, cost estimate of construction, registered sale deed, allotment letter, and approved building plan

A financial product that lets you borrow money to purchase a house, construct a new home, or renovate an existing one. The loan is secured against the property you're buying.

Home Purchase Loan for buying a new or resale property, Home Construction Loan, Home Renovation/Improvement Loan, Home Loan Balance Transfer, and Top-Up Loan.

Salaried employees and self-employed professionals aged generally between 21 and 65 years, with a good credit score for approval and better rates.

The loan amount depends on the property's market value (usually 75% to 90% of it), along with your income, credit score, and repayment capacity.

Interest rates typically range between 8.40% to 11% per annum, depending on the applicant's profile, loan amount, and tenure, with both fixed and floating options available.

The maximum loan tenure offered is typically up to 30 years, depending on the borrower's age and eligibility.

Identity proof, address proof, income proof (salary slips/Form 16 or ITR and business financials), property documents, and employment proof for salaried applicants.

The loan approval process typically takes 10 to 15 working days after all documents are submitted and verified, though it can take longer depending on property valuation and legal checks.

Yes, you can avail tax benefits on both principal and interest under sections 80C and 24(b) of the Income Tax Act — up to ₹1.5 lakhs on principal repayment and up to ₹2 lakhs on interest annually.

A facility that lets you transfer your existing home loan from another lender to Jessica Fincorp at better interest rates, reduced EMI, or improved loan terms.

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