Frequently Asked Questions
Q: What is the maximum home loan I can get?
Typically banks offer up to 80% of the property value as home loan. For properties above ₹75 lakh, the LTV ratio is 75%. Your eligibility also depends on your income, credit score, and existing EMIs.
Q: What is the minimum credit score for a home loan?
Most banks require a minimum CIBIL score of 700-750. A score above 750 gets you better interest rates. White Soil can help you check eligibility before applying.
Q: Can NRIs get a home loan in India?
Yes. NRIs can avail home loans from most Indian banks. The loan is repaid through NRE/NRO accounts. Our team specializes in NRI property purchases and can guide you through the process.
Q: What documents are needed for a home loan?
Basic documents include income proof (salary slips / ITR), identity proof, address proof, bank statements (6 months), and property documents. We assist all our clients with documentation.
Q: Is the White Soil home loan service free?
Yes. Our home loan assistance is completely free for buyers. We help you compare offers from multiple banks and get the best rate — at no charge to you.