Home Loan
Everyone works hard to the best of their abilities with the aim of building a better life for themselves and their families. Amongst the wishes and dreams, the most aspirational and yet the most common one is to own a house of your own. A house you can call your home.Â
You can now realize this dream of owning a home and moving ahead with your aspirations with Home Loans from Clix Capital.
At Clix Capital, we make sure that while you’re out and about looking for a decent abode for yourself and your family, the last thing you’ve to worry about are the finances. Go ahead, pick a dream home, sit back and relax! Apply for a home loan online at Clix Capital at the best interest rates to get a step closer to getting yourself your new abode!
Here’s What Clix Has To Offer!
-Loans upto Rs 2 Crore
We guarantee that funds will never be an issue for you with our online home loan – after all, we’d hate for you to compromise on the home you’ve set your heart on.
-Tenures upto 25 Years
Your loan tenure will never be an issue – choose a tenure of anywhere up to 25 years to pay off the housing loan.
-Floating & Dual Interest Rates
Choose either a floating interest rate, or a fixed interest rate for the first 2-3 years, followed by a floating interest rate.
-Simplified Documentation
Paperwork or complicated applications can understandably be daunting, but don’t fret – we at Clix will ensure that this documentation is as simple as can be.
Our Home Loans Help Meet Numerous Requirements!
Purchasing A House
After all, what good is a home loan if it doesn’t fulfil the one major task it has – funding the purchase of your dream house.
Home Improvement Loan
Want to fix up or renovate your home without worrying about the finances? Your solution is just a few Clix away!
Top-Up Home Loan
 Feel like the loan amount you’re receiving is not enough to purchase a house? Take a top-up loan and get the extra funds for that much-needed satisfaction.
Plot Purchase & Self-Construction
Our loans also fund the aspirations of individuals who like getting intimate with the construction process of their dream house.
How can a Home Loan from Clix Capital Help?
Our home loans are designed to help you meet a bevy of requirements – buying a new home, renovating your existing home, or getting a top-up home loan to augment funds.
Here’s how a home loan from Clix Capital helps you:
- Purchasing a New Home – Home loan from Clix Capital is the best option for funding the purchase of your new home. Look out for a home, get all the documents, and apply for a home loan online to watch your dreams come true!
- Home Improvement Loan – Own a home already and want to renovate it? Leave it on us! With Clix Capital home loans, you can easily plan for your home renovation/improvement to update your abode with the current home décor trends.
- Top-up Home Loan – If you feel that the existing home loan amount you are receiving will not be adequate to fund for your dream home, you can easily go for a Top-up Home Loan from us. This will make sure you get those extra funds you need for your dream home.
- Loan for Purchasing Plot & Self-construction – We know how much you love the details of an elaborate home! Our Home Loan for Plot Purchase & Self-construction is perfect for those who want to get involved with everything in the construction process. Apply for a home loan from Clix Capital.
Features & Benefits of Home Loan from Clix Capital
When you’re at Clix Capital, leave your worries to the outside world! We know how precious a dream it is to have a home you can call your own; we want you to cherish this feeling right from day one of applying for a home loan.
Here are the features and benefits you can expect when you come to us for a home loan:
- Easy Home Loans Up to INR 2 Crore – Whether it’s a modish apartment you’re eyeing for in a metropolitan city or a cosy cottage near the hills; you can apply for home loans from Clix Capital up to INR 2 crore.
- Longer Loan Tenure Up to 25 Years – At Clix Capital, you can avail a home loan for extended repayment period – up to 25 years.
- Simplified Documentation – We understand how daunting home loan documentation can get! Rest assured, our simplified documentation process will make sure availing the home loan is a smooth journey for you.
Am I Eligible for a Home Loan from Clix Capital?
Great! Now that you have set your mind on buying a home. Apply for a home loan!
You are eligible for a home loan from Clix Capital if you meet the following criteria:
- You need to be over 22 years of age when applying for the home loan. Also, you should be under 65 years of age by the end of loan period.
- You should be either a salaried employee or a self-employed individual
- Your annual combined household income should be above 3 lakhs.
Congratulations! If you answered yes to the above criteria, you are eligible to apply for a home loan.
Documents Required for a Home Loan
- Duly filled Home Loan Application Form
- Passport-sized photograph
- ID Proof
- Address Proof
- For salaried individuals
- Last 3 months’ salary slip
- Last 6 months’ bank statements showing salary credit
- Latest copy of Form 16
- For self-employed individuals
- Business profile
- Last 6 months’ bank statement
- Last 2 years’ Income Tax returns & financials (Balance sheet, P&L)
How Do I Apply for a Home Loan?
Applying for a home loan at Clix Capital is super easy. The entire loan application process is digitized and takes only 2-3 minutes. Just follow the simple steps explained below:
- Fill out the ‘Home Loan Application Form’ here.
- Share a few details about yourself
- Our customer support executive will contact you for a quick chat
- Congratulations! Your home loan application is underway and if everything is in order, you’ll receive a home loan approval communication from us.
Buying a home is a dream all of us live for. Apply for a Home Loan from us today and inch a step closer to make your dream come true!
Just call us on our toll-free number at 124-4740870 between 9:30 am – 6:30 pm from Monday to Saturday. Alternatively, you can also write to us at hello@clix.capital to resolve your queries around business loans.
What Documents Do I Need To Provide?
We’re almost paperless (yes, really) but will need a few document to process your application:
Completed Application Form
- We will provide you with a run-of-the-mill application form to detail out all the information we need before processing your housing loan request.
Passport-Size Photograph
- This photograph should be fairly recent and indicative of your current physical appearance.
Identity (ID) Proof
- This can be either your Aadhaar Card, PAN Card, or Government ID (if you happen to be a government employee).
Address Proof
- Your Aadhaar Card is the go-to document here. In case your current address is not updated in Aadhaar card, one certified copy of any Official Valid Document (OVD) is required. These OVDs are either your Passport, Voter ID, or Driving License. Your Utility Bills from the last 2 months may also apply here.
For Salaried Individuals
- A copy of the salary slip for the past 3 months.
- A copy of the latest Form 16.
- Updated bank statements showing salary and saving entries for the last 6 months.
For Self-Employed Individuals
- Business profile: A note with information on the nature of the business/profession, form of organization, clients, suppliers, etc.
- Last 6 months’ bank statement.
- Last 2 years’ Income Tax Returns and financials, including balance sheets and profit/loss accounts of the business/profession.
*Please note that while only scans or photocopies of your documents are required while applying for a loan, you might want to carry original documents in case of verification. Approving the loan application is at the sole discretion of Clix; we might ask for further documents for a more thorough assessment of your loan.
How Do I Apply For A Home Loan?
Questions?
What is the minimum loan amount I can avail?
At Clix Housing, you can apply for a housing loan that ranges from 10 lakhs to 2 crore.
What will be the tenure and interest rate of my home loan?
At Clix Housing, we provide loans for a tenure of 25yrs – however, this figure is dependent on the age and income of the borrower. Meanwhile, the standard interest rate on these loans is around 17%.
What security/collateral do I need to provide?
Generally speaking, the security that you need to provide for the loan is the first and exclusive charge of the property to be financed. In this situation, the deposit of title deeds and/or other such collateral security is to be done as deemed necessary. The title to the property should be clear, marketable and free from any encumbrances. The property should also be within geographical limits of the cities where Clix has a branch office.
What can be the end use of a home loan?
A Home Loan can be used for fresh and resale purposes
How do I avail a home loan from Clix?
There’s a space at the top right hand side of the page wherein you need to fill required details and our customer representative will speak with you shortly
What will be the tenure, EMI, and interest rate for my home loan?
At Clix Housing, you can choose from customised repayment (EMI) and down payment options. However, the interest rate of your home loan depends on various factors, such as the specifics of your application (including metrics like date and income). While Clix usually applies an interest rate of 17%, we’ll tell you the final applicable interest rate once we go through your application form and all supporting documents.
What are the different types of home loans offered by Clix Housing?
You can choose from the following types of loans:
- Home loan for a ready or under-construction residential property.
- Balance transfer and top-up on your existing loan from any other housing finance company or bank.
- A home renovation loan for all your requirements pertaining to improving your house.
What is the concept of EMI?
You repay a loan in Equated Monthly Installments (EMIs) – an amount that combines your principal and interest. Your EMIs begin the month after your full loan amount is disbursed.
What is a pre-EMI?
The pre-EMI is the interest you paid on the loan amount you receive before your EMI period begins. This usually happens in either self-construction or construction stage-linked/partly-disbursed cases.
What is an amortisation schedule?
An amortisation schedule has details on how you can repay your loan, as well as the division between principal and interest charged in each EMI.
What governs my home loan repayment?
Your housing loan repayment is done through a NACH Debit Mandate.
What are the kinds of interest rates offered?
Clix Housing offers two kinds of interest rates:
- Floating interest rate
- Fixed interest rate for the first 2 to 3 years, followed by a floating interest rate
How can I reach out to Clix for any other information on my home loan?
Just call us on between 9:30am-6:30pm from Monday to Saturday (barring public holidays). Alternatively, you can also write to us at hello@clix.capital to resolve your queries around a non-home loan.
What if I have any other query when it comes to these loans?
It’s possible that some questions you might have aren’t answered in this FAQ. However, don’t worry – Clix has a Most Important Terms & Conditions (MITC) that you can read through to get all the clarity you would need on our loan structure. Please keep in mind that certain factors might vary based on the type of loan and our customer representative will clarify the same if need be.
Go from being a home-dreamer to a homeowner
Get in touch now for simple, fast, and accessible home loans!
