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Kamal Finance Services has been transforming lives by offering affordable home loans for construction, renovations, and extensions. We provide competitive home loan options with flexible EMIs and the possibility to include joint earning members for larger amounts. Enjoy the benefit of no early repayment charges and comprehensive coverage for independent houses, flats, and new builds. Let us help you turn your dream home into reality with our hassle-free loan solutions.
Easily access our Home Loans with our national network of door-to-door service of document collection and application processing.
We cover up to 75% of the construction cost (excluding land) for a tenure of up to 30 years with no extra charges for early repayment.
All customers can access our competitive interest rates. We even offer Fixed rates to non-salaried semi-urban & urban class.
Our quick and accessible home loans are designed to meet the needs of all our clients. Whether you’re buying your first home, refinancing your current mortgage, or investing in a new property, our competitive loan terms are tailored to fit your lifestyle. Experience seamless service from application to approval with a home loan that adapts to your needs, not the other way around!
Independent houses and flats/apartments of a permanent nature having a valid title are applicable. They need to have building approvals from civic authorities and also house properties which may be under construction or completed and ready to occupy.
The security required for a loan would be an equitable or simple registered mortgage of the house being financed. The type of mortgage to be created will depend on the documents of title (ownership) being submitted/made available. After a preliminary examination of the papers submitted by an applicant, our legal officers will advise the type of mortgage that would be required.
Fixed for all customers other than salaried semi-urban class customers: The rates will be fixed during the tenure of the loan and applicable as prevalent on the date of 1st disbursement, subject to revision every 3 years depending on the money market conditions.
Variable for salaried semi-urban and urban class customers: The rates will fluctuate as per the money market conditions and will be notified from time to time.
Based on your repayment capacity, the loan can be repaid in monthly, quarterly or half-yearly equated instalments by way of EMI/EQI/EHI comprising of principal and interest.
Providing tailored loan solutions to meet your unique needs. Whether you’re looking for personal, business, or specialized loans, we’re here to help you achieve your goals.