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Capital SFB

Housing Loan

Features of Housing Loan

Competitive interest rates and hassle-free paperwork

Tax benefits under Income Tax Act

Doorstep services with quick processing and disbursal of loans

About Housing Loan

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)

Security Norms

Mortgage of the House Property

Guarantee Norms

Third-party guarantee of substantial means

Documents Required

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

How to apply for Housing Loan?

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.


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Benefits of Housing Loan

  • Flexible usage: Our housing loan can be used for a variety of purposes, including purchase, construction or renovation of home
  • Widely accessible across India: Our housing loans are easy for customers to access no matter where they are located.
  • No hidden charges: The process is completely transparent and does not include any hidden charges


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.