Capital E-Saving Digital Accounts
Experience the world of simplified banking and exclusive benefits.
Competitive interest rates and hassle-free paperwork
Tax benefits under Income Tax Act
Doorstep services with quick processing and disbursal of loans
Capital Bank’s Housing Loan is created to assist you in purchasing your new home with ease and minimal stress. Our loan offers a smooth experience, from application to construction, in acquiring your dream home.
25% in case of Purchase or Construction or Furniture/Fixture (subject to policy terms)
25% on Repair or Renovation (subject to policy terms)
Mortgage of the House Property
Third-party guarantee of substantial means
Income proof
Identity proof
Residential proof
Other documents as per applicable rules
Should be an Indian resident
Individuals or group of individuals who are 18 years of age or older
Salaried Individuals / Professionals / Self-employed with permanent source of income
Visit your nearest branch: To begin the process, bring your KYC documents and passport-sized photographs to your nearest branch. You can fill out the application form at the branch to get started.
Customer Care: Call us at 1800 120 1600, one of our representatives will get in touch with you.
Email: Mail us as at lead@capitalbank.co.in with your Name, Contact Number, Address & Message. One of our representatives will get in touch with you.
Housing Loan is a financial product offered to help individuals purchase or construct a new home. It provides the necessary funding to buy, build or renovate a house with ease.
You will be required to have a stable income, a good credit history, and meet the bank’s minimum income requirement.
Yes, you can apply for a Capital Bank Housing Loan even if you already have an existing home loan.
The amount of loan, the tenor of the loan, and the interest rate are among the specific factors that are considered while calculating the monthly instalment (EMI) of client.
We evaluate your eligibility after considering several variables such as your monthly income, your monthly monetary obligations, the tenor of loan proposed, your age at present and your retirement age (for Salaried).
You must provide following documents to apply for a housing loan: Duly filled loan application. Proof of Identity and Address (Aadhar, PAN, Votor’s ID card etc.) Proof of Income (ITRs along with computation, Financial Statements, Form-16(In case of Salaried)) Documents of Title along with approved map and revenue record. Bank Account statement for last one year. Credit Bureau Report.
Yes, the housing loans are eligible for income tax benefits as per Income Tax Law (amended from time to time).
RTGS/NEFT/IMPS/NACH payments received by the Bank in loan accounts after 9:00 p.m.,
will be considered as credit in next day for overdue calculation.