If you are looking for a home loan, then Shubham Home Loan is the best one for you. Shubham offers home loans with minimal documentation, a simpler process, flexible repayment options and competitive interest rates. 

1) Personalized home loan experience through an efficient process, to ensure you will get the best home loan

Whether you are a first-time homeowner, refinancing an existing home loan or seeking to buy your next property, when you apply for a home loan with Shubham, we provide a personalized, relationship-driven experience.

Our team at Shubham is committed to providing high customer satisfaction. We have extensive experience and knowledge about all aspects related to home loans and the complete process is simple, easy, and efficient.

Our process can be summarized as follows:

• Your home loan enquiry is received by the Shubham Relationship officer through any of the 6 ways you can connect with us.
• Within 24 hours, a relationship officer connects with you to check your location and requirements and confirm your loan eligibility.
• Within 48 to 72 hours after that, without you having to visit our branch, a Shubham Loan Officer from your local branch will connect with you and meet you at your home to help you apply for a loan.
• Shubham Loan Officer will get the application process started with a personal interview to understand them to know and assess your current and future income or salary, responsibilities, any other EMI you are paying, your regular expenses, and liabilities. This will help them calculate your loan eligibility and amount, and also determine your eligibility for a government subsidy under the Pradhan Mantri Awas Yojana (PMAY).
• It is a simple process to help you apply for a loan and to help us recommend the best available loan for you with an EMI that you can conveniently pay.
• The Shubham Loan Officer will also share the terms and conditions for the loan. These details along with your EMI amount and schedule will be provided to you in writing and are explained in detail.
• Once you confirm, your loan process starts with Shubham. You will have to visit the branch mostly twice – the first time for identity verification and complete the requirements of KYC (Know Your Customer), and the second time to collect your loan disbursal cheque.
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• Throughout your loan journey, Shubham’s team is available to you through multiple contact options so you can connect with us 24x7x365.

2) Flexible repayment options and competitive interest rates

With Shubham, there are flexible repayment schedules and loan tenures that can be customized to your needs. We also offer competitive interest rates, making our home loans more affordable for you.

With the help of our team at Shubham, you can get your finances in order and make lasting changes for a better future. Now is the time to take that first step toward owning your own home.

There are a variety of ways that Shubham can help with financing and refinancing your home loan including:

– Up to 85% Financing

– Flexible Interest Rate Loans (up to 30 years)

– No pre-payment penalty

3). Clear and simple eligibility criteria – the desire to buy your own home

When you apply for a home loan, any bank would ask for multiple documents, CIBIL score, financial track record, and many more such things. For us the most important eligibility criteria is your desire to buy a home for your family. For everything else, the Shubham relationship officer will work with you to help you find the easiest and most practical way so you can apply for a home loan and also get it without any worries.

4). Easy home loans for people with cash income

Shubham offers multiple home loan plans for people with cash income. Whether you get your salary in cash, run your own business, or are a self-employed skilled worker or professional, you can apply for a Shubham Home Loan and rest easy. We offer loans with competitive interest rates that are fixed and affordable.

You will see for yourself, it is a simple, efficient, and easy experience with Shubham.

5). Top Up home loans for your family’s increasing needs

If you want to bring your parents to live with you, or your children are growing up and need their space, or your financial progress now demands a better house, Shubham Housing Finance is here to help you. Our Top Up home loans would be perfect for you and your family.

With these Top Up Loans, in addition to being able to use the property as collateral, we also allow borrowers to increase their loan amount up to 85% LTV of the property value.

6). Full protection to your family in case something happens to you.

We always hope and plan for the best. However, life’s challenges can sometimes catch up with us. With Shubham, once you buy your home on a home loan, even in case of the unfortunate death, disability, or incapacitation of a borrower, if they are unable to repay the home loan EMI, Shubham is here to help.

Your home loan is protected by the Home Loan protection insurance policy which provides full protection to your family for any loan amount outstanding at the time of such a mishap.

The claims are settled and up to 100% of the outstanding balance would be repaid by the partner insurance company.

7). Track your loan application daily with multiple customer service options from Shubham

Shubham is committed to providing you with a high level of customer service. To ensure that your application is processed smoothly, we work on it from the moment you apply for financing till the time when your loan is disbursed and even post that, till the time your loan repayment is completed.

Our team at Shubham will take care of everything and only contact you as required.

You can also track the progress of your application daily with our multiple customer service options from Shubham.

Did you know there are 5 ways to connect with Shubham Housing Finance?

1. Whatsapp- 8595521769
2. Toll-Free number 1800-222020
3. Email: customercare@shubham.co
4. Social media: Facebook, Twitter, LinkedIn, Instagram, YouTube
5. Visit your nearest branch of Shubham Housing finance.

8). Shubham Home Loan is better than an interest-free personal loan from friends and family

When planning to build or buy our own home, we are all tempted to take an interest-free personal loan from friends and family. Why deal with a finance company when you can get an interest-free personal loan? The answer is simple: peace of mind.

Did you know that Shubham Finance has helped give loans to more than 50,000 families and helped them to get a home of their own?

Our experience with helping thousands of families means we can also predict how your future income will be and advise on how much money you should plan towards your future home loan EMI.

Once you take a home loan from Shubham Housing Finance, you can rest easy. We are your partners in the journey for your home and with you from filling your application form to the moment when you enter your home and further till the moment you repay the full loan. It is a simple, efficient, easy process and we are with you every step of the way.

When you take a personal loan from your friends and family, they may not be able to help you in the future if you have a financial requirement. In fact, they may look at you to help them when they are in a difficult situation. This means that in addition to the challenges of your own life, you are also taking the responsibility of helping them manage their challenges. Which would you rather choose? More challenges or more peace of mind. Hence, if you want to have a peaceful life, always opt for a home loan from a registered NBFC company registered under the National Housing Bank of India such as Shubham Housing Finance. Have an RBI registered, well-established, trusted partner such as Shubham in your journey to build your home.

9). Shubham Home Loan ranges from Rs.3 Lakhs to Rs.50 Lakhs with flexible tenures of 3 to 30 years and simple terms and conditions.

Shubham Housing Finance offers home loans from Rs.3 lakhs to Rs.50 lakhs with loan repayment tenures of up to 30 years. This means that you can buy a new house or even do additional construction in or renovate an old home by taking a home loan from Shubham. Our Terms and Conditions are also simple and we keep you informed of any changes that may happen.

10). An application process that combines the best of the Online and Offline components to give you a loan process that’s the industry’s best.

We know that you want an efficient and quick process to buy your home. You also want a loan with competitive rates, flexible tenures, life insurance options,.

Shubham Housing Finance offers one of the simplest, fastest home loans in the housing finance industry in India. Our online and offline process makes it possible for us to do this.

• You can start by filling out our online application form and get prequalified for a home loan from Shubham Housing Finance, or you can visit one of our branches to speak with an advisor face to face.
• If your credit history is not the best or CIBIL score is low, do not be worried! With the Shubham Home loan plans, we offer loans that are suitable for all credit scores.
• Once you have qualified, our loan process is simple and quick to complete, from start to the finish line of entering the home with your family.

At Shubham Finance, we are committed to providing homes for every Indian family that doesn’t own their own home.

We support you right from checking your loan eligibility criteria to filling the home loan application to understanding the terms and conditions to getting you the loan and also the loan subsidy under the Pradhan Mantri Awas Yojana (PMAY).

Did you know that depending on your eligibility, under the Pradhan Mantri Awas Yojana (PMAY), Shubham can help you have a government subsidized loan with benefits up to Rs.2.67 lakhs as a subsidy on interest on your home loan?

If you are eligible for the PMAY Urban 2.0 subsidy on your Home Loan as per the Government guidelines, the Shubham team will also help you to meet the process requirements and apply for the subsidy.

At Shubham Housing Finance we always look at the whole picture so that you can get your finances in order and make lasting changes for a better future. We know that taking out a home loan will affect your life significantly but the process does not have to be difficult or cause undue stress for you. Instead of worrying about how much money you need right now or if this is the best time to buy your new house, just take a step back and think about how your family’s life and security can change by having their own home.

To know how to take the next step in the journey to the home of your dreams, call us today at 1800 258 2225 and let us help you from the start to the finish line in a simple, easy, efficient way.