Home Loan / Mortgage

Overview

Owning a home is one of life’s most cherished dreams—and at Onclock Capital Buildcon Pvt. Ltd., we help turn that dream into reality. Whether you’re purchasing your first home, investing in a new property, or renovating your current space, our Home Loan and Mortgage solutions are designed to provide affordable, flexible, and hassle-free financing.We combine industry expertise with customer-centric services to ensure that your journey toward homeownership or property renovation is smooth, transparent, and rewarding.

    Quick Inquiry Form

    Key Features & Benefits

    Loan Amounts

    Competitive loan amounts tailored to your income and property value.

    Affordable Interest Rates

    Attractive and transparent pricing with no hidden charges.

    Flexible Tenure

    Repayment periods extending up to 30 years, structured around your budget.

    Quick Processing

    Simple application and fast approvals to help you acquire your home without delays.

    Balance Transfer Facility

    Shift your existing home loan from another lender to OnClock and enjoy better rates.

    Top-Up Loans

    Access additional funds for renovation, interiors, or other financial needs on top of your existing mortgage.

    Eligibility & Required Documents

    Eligibility Criteria
    • Age : 21 to 65 years (at the time of loan maturity).
    • Profession : Salaried individuals, self-employed professionals, and business owners.
    • Income : Stable and verifiable income source.
    • Credit Score : A good credit history enhances loan approval chances and reduces interest burden.
    Documentation Required
    • Identity Proof : Aadhaar Card, PAN Card, Passport, or Voter ID.
    • Address Proof : Utility bills, Passport, or Rent Agreement.
    • Income Proof :
    • For Salaried : Last 3–6 months’ salary slips, Form 16.
    • For Self-Employed : Latest ITRs, business financial statements, or CA-certified balance sheet.
    • Bank Statements : Last 6 months.
    • Property Documents : Sale deed, NOC from builder/society, approved building plan, and property title documents.

    Loan Process at Onclock Capital Buildcon

    Application

    Submit your home loan request online or at our office.

    Documentation

    Provide KYC, income proofs, and property documents.

    Credit Assessment

    We evaluate eligibility and repayment capacity.

    Property Verification

    Legal and technical checks to ensure safe investment.

    Approval & Disbursal

    Once approved, the loan amount is disbursed directly to the seller, builder, or your account (for renovation purposes).

    Advantages of Choosing Onclock Home Loan

    ✅ Tailored Solutions: Loans designed to suit diverse needs—whether it’s buying, building, or renovating.

    ✅ Competitive Interest Rates: Affordable EMIs with transparent pricing and no hidden charges.

    ✅ High Loan-to-Value (LTV): Finance up to 80–85% of your property’s value, making homeownership more accessible.

    ✅ Flexible Tenures: Repayment options extending up to 30 years, giving you financial comfort and long-term affordability.

    ✅ Top-Up Facility: Access extra funds without fresh documentation, ideal for renovations or personal needs.

    ✅ Balance Transfer Advantage: Shift your existing loan from another bank/NBFC to OnClock and save significantly on interest costs.

    ✅ Tax Benefits: Enjoy deductions on both principal (u/s 80C) and interest payments (u/s 24b) under the Income Tax Act.

    ✅ Quick Approvals & Disbursals: Fast-track processing ensures you get funds when you need them most.

    ✅ Dedicated Relationship Support: Our financial experts guide you through every step, from application to disbursal.

    ✅ Trusted Partner: With OnClock’s expertise in finance and real estate, you can be confident of safe and reliable lending.

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