Wise Investment Finance

Bank Name	Interest Rate	Processing Fees	Loan Amount/ Tenure
SBI home loan	6.75% - 7.30% (Floating Rate)	0% - 0.35% (min. Rs.2,000; max. Rs.10,000) (Processing Fee)	- Loan Amount 1-30 Years Tenure Range
HDFC Ltd. home loan	6.70% - 7.30% (Floating Rate)	Employed Individuals: 3,000 + Applicable Tax Self-Employed Individuals: 5,000 + Applicable Tax (Processing Fee)	₹ 5L -₹ 10Crs Loan Amount 1-30 Years Tenure Range
UNION bank home loan	6.80% p.a. onwards* (Floating Rate)	- (Processing Fee)	₹ 25L Min Loan Amount 1-30 Years Tenure Range
PNB Housing home loan	7.20% p.a. onwards (Floating Rate)	0.25% for Salaried 0.5% for Self employed (min 10,000 in both cases, excluding taxes) (Processing Fee)	₹ 8L Min Loan Amount 1-30 Years Tenure Range
LIC HFL home loan	6.90% p.a. onwards (Floating Rate)	Up to ₹1 Cr - 0.25% of Loan Amount, subject to maximum ₹10,000/- (Plus GST), Above ₹1 Cr and up to ₹5 Crs - 0.25% of Loan Amount, subject to maximum ₹25,000/- (Plus GST) (Processing Fee)	₹ 30L -₹ 5Crs Loan Amount 5-30 Years Tenure Range
AXIX bank home loan	6.90% p.a. onwards (Fixed /Floating Rates)	0.50% (min.₹ 10,000) (Processing Fee)	₹ 5L -₹ 10Crs Loan Amount 1-30 Years Tenure Range
Aditya Birla Capital Home Loan	9.00% – 12.50% p.a (Floating Rate)	₹ 5,000 to ₹ 10,000 + applicable tax (Processing Fee)	₹ 20L -₹ 10Crs Loan Amount 1-30 Years Tenure Range

Home Loan Eligibility

Eligibility Criteria	Requirement
Age	Minimum Age: 18 years and Maximum Age: 70 years
Resident Type	The applicant must be (any one): Resident Indian Non-Resident India (NRI) Person of Indian Origin (PIO)
Employment	The applicant can be (any one): Salaried Self-employed
Net Annual Income	At least Rs.5-6 lakh depending on the type of employment
Residence	The applicant must have (any one): A permanent residence A rented residence where he/she has resided for at least a year prior to applying for a loan
Credit score	A good credit score of at least 750 or more obtained from a recognised credit bureau

Identity Proof (any one)	Residence Proof (any one)	Other Documents
Driving License	Copy of Electricity Bill/Water Bill/Telephone Bill	Employer Identity Card
PAN	Copy of valid Passport/Aadhaar Card/Driving License	Duly filled loan application form affixed with 3 passport size photographs
Voter ID	-	Loan account statement for the previous 12 months if the applicant has any other ongoing loan from other banks/financial institutions
Valid Passport	-	Bank account statements for all the bank accounts owned by the applicant for the last six months