At SWAMI ASSOCIATES, we guide you through the complete process of securing a Home Loan or Mortgage Loan, whether you are salaried or self-employed. The first step is to evaluate your Cibil Score, which plays a crucial role in determining your eligibility for a loan. A good Cibil score, typically above 750, increases your chances of loan approval and can help you secure better interest rates. We help you understand your credit score and advise you on steps to improve it if necessary, ensuring that you start the process on the right foot.

Once your Cibil score is reviewed, the next stage involves gathering and submitting the necessary Documentation. This includes both personal documents, such as identity proof, address proof, and income statements, as well as property documents like the sale agreement, ownership details, and valuation reports. Our team ensures that you have all the required paperwork in order, making the documentation process seamless and efficient. Proper documentation is crucial in speeding up the approval process and ensuring there are no delays.

After submitting the documents, we help you assess your Loan Eligibility based on your financial profile, including your income, job stability, credit score, and property details. Based on these factors, we work with you to understand the loan amount you are eligible for. Once your eligibility is determined, the lender reviews your application, and if everything is in order, they issue a Loan Sanction. This sanction letter outlines the terms and conditions of the loan, including the loan amount, tenure, and interest rate.

The final stages involve reviewing and signing the Loan Agreement, where you formally accept the loan terms and conditions. Our team ensures that you understand all aspects of the agreement before submission. After this, the loan amount is Disbursed. This disbursal can be made in one lump sum or in stages, depending on the terms. At SWAMI ASSOCIATES, we ensure that each step is completed smoothly, from loan application to final disbursal, so you can secure your home with confidence.