Home Loan
Looking to buy your dream home? Maxima Loanz in Gurgaon makes the process simple, fast, and hassle-free. We offer easy home loan approvals with minimal paperwork, quick processing, and complete transparency at every stage. Whether you’re a first-time homebuyer or planning to upgrade to a bigger space, our experienced team provides personalized guidance to help you choose the right loan option.
We understand that clarity, speed, and trust matter when it comes to financing your home. That’s why we focus on competitive interest rates, flexible repayment plans, and clear loan terms — so you can make confident decisions without stress. Choose Maxima Loanz for a smooth, reliable home loan experience tailored to your needs, and take the first step toward turning your dream home into reality today.
What is a home loan?
A home loan is money borrowed from a bank/NBFC to buy, build, or renovate a house, paid back in EMIs with interest.
What is the eligibility for a home loan?
Eligibility depends on income, age, credit score, employment stability, loan amount, and repayment capacity.
What credit score is required?
A score of 700+ is ideal for quick approval and better interest rates.
What documents are needed for a home loan?
ID proof, address proof, income proof (ITR/salary slips), bank statements, property papers, and photographs.
What is a Home Loan?
A home loan is a financial solution that helps you purchase, build, or renovate a property without paying the full amount upfront. Borrowers repay the loan through monthly EMIs over a flexible tenure while enjoying competitive home loan interest rates.
Modern loan solutions are designed to be flexible and convenient, offering customized repayment options and quick approvals. Whether you are investing in your first property or expanding your real estate portfolio, choosing the right loan ensures long-term financial stability
How Can Our Team Help You to Reach Your Goals
Personalized Loan Guidance
We assess your financial profile and recommend the best loan options, interest rates, and lenders tailored to your needs.
Documentation & Application Support
Our team helps you prepare and submit all documents correctly to ensure a smooth and fast approval process.
Best Interest Rate Negotiation
We negotiate with banks and financial institutions to get you the most affordable interest rates and flexible repayment plans.
End-to-End Assistance Until Disbursement
From application to sanction to loan disbursement, we support you at every step so you get your home loan without stress.
Types of Home Loans
Finding the best home loan for your needs and financial goals is essential. Different loans help buy, build, and improve homes. Here are some options with Maxima Loanz:
Home Purchase Loan
These are for buying new homes or resale homes and come with good payback plans and interest rates. Good for first-time buyers and investors.
Home Construction Loan
Already have land but want to build? This loan disburses funds in stages as the building progresses. You will have money to build throughout the project.
Home Improvement Loan
If you want to remodel your home or fix things, this type of loan will help pay for it without breaking the bank.
Home Extension Loan
If you want to build another room or another story to your home, this loan will pay for the construction so you can expand your home.
Balance Transfer Home Loan
If you have a loan and want to get better rates or lower payments, you can switch loans to another lender. This option will help you have less loans to pay.
Top-Up Home Loan
You may already have a home loan. With a top-up loan, you can get a loan to pay for extra expenses like home renovations, schooling, or even for personal reasons, which can be done at a lower interest rate.
Plot Loan
For buying residential plots or land, this loan is intended. When borrowers choose to build, they can relocate it to a home construction loan.
Eligibility Criteria for Home Loans
You can’t go in to get a home loan without knowing some very basic requirements that the lenders have. Maxima Loanz aids borrowers in assessing their eligibility, while also helping to pick loan options that fit the financial profile. Although criteria differ with every lender, the factors below are almost universal regarding home loan lending.
Age Criteria: Applicants generally have to be between 21 to 60 years old (for salaried individuals) and up to 65 years old for self-employed professionals when the loan matures. Younger applicants are offered longer repayment tenures.
Income & Employment Stability: Lenders need to see a stable income. There can be salaried employees, self-employed persons, and owners of a business who are able to apply as long as there are consistent earnings and the job or business remains stable.
Credit Score: You can get home loan approval more easily with a good credit score (this means 750 and above), and of course, the interest rate on the loan will be better.
Work Experience / Business Continuity: 2-3 years of work experience is a strong preference with almost all lenders, as well as a history of stable business,s as that will likely mean there is capacity for repayment and means financially.
Loan Repayment Capacity: Lenders will look at your monthly income, current loans, and other financial commitments to see how they impact your ability to pay the EMI. Less debt is better for your eligibility.
Requirements for Property: The property needs to comply with the legal and technical standards required by the lender, such as unambiguous ownership documents and legally sanctioned construction documents.
Nationality & Residency Citizens of India and NRIs are eligible unless they do not satisfy the income and documentation criteria.
Documents Required for Home Loan Application
1. Identity Proof
- Aadhaar Card
- PAN Card
- Passport
- Voter ID or Driving License
2. Address Proof
- Utility Bills (Electricity / Water / Gas)
- Passport
- Aadhaar Card
- Rental Agreement (if applicable)
3. Income Proof (Salaried Applicants
- Last 3–6 months’ salary slips
- Bank statements (last 6 months)
- Form 16 or Income Tax Returns
- Employment ID or offer letter
4. Income Proof (Self-Employed Applicants)
- Income Tax Returns (2–3 years)
- Business financial statements
- GST registration or business proof
- Bank statements (last 6–12 months)
5. Property Documents
- Sale agreement / Allotment letter
- Property title documents
- Approved building plan
- NOC from the builder or society
6. Additional Documents
- Passport-size photographs
- Loan application form
- Processing fee cheque (if applicable)
