Property Finance
Home Loan
Own your next home with a financing plan matched to your income, property profile, and repayment comfort.
SJMoney helps salaried and self-employed borrowers compare home loan options, understand the real cost of borrowing, and move faster with application-ready guidance.
Overview
What to know before you choose a home loan
Expert guidance for buying ready-to-move, resale, or under-construction homes across leading banks and NBFCs.
Who this is for
- First-time home buyers
- Families upgrading to a bigger home
- Borrowers comparing lender options before applying
Key benefits
- Compare offers from multiple lending partners with one guided process
- Understand EMIs, tenure trade-offs, and total interest before you commit
- Support on eligibility, documentation, and sanction-stage questions
- Advice on co-applicant structuring and repayment comfort
Eligibility cues
- Resident Indian salaried or self-employed applicant
- Stable income and acceptable credit profile
- Property meeting lender technical and legal criteria
- Age and repayment tenure within lender policy
Documents often needed
- PAN, Aadhaar, and recent photographs
- Income proof such as salary slips or ITRs
- Bank statements and employment or business proof
- Property documents, agreement, or allotment papers
Typical process
- Share your requirement and property stage with SJMoney
- We help shortlist suitable lenders and collect the right documents
- Application is submitted with guided follow-up through approval stages
- Compare sanction terms and proceed to disbursal with clarity
FAQ
Questions borrowers usually ask
Clear answers can reduce decision anxiety before you start the application process.
How much home loan can I get?
It depends on monthly income, existing obligations, credit score, age, and property profile. A lender usually assesses whether the EMI fits comfortably within your repayment capacity.
Can I apply with a co-applicant?
Yes. A co-applicant such as spouse or family member can improve eligibility in many cases, subject to lender policy and income acceptance.
Does SJMoney lend directly?
No. SJMoney acts as an advisory and assistance platform that helps you compare, prepare, and apply through partner banks and NBFCs.