Best Housing Loan in Kerala – ECFinancialService

Apply for ECFinancialService Home Loans: Lowest Interest Rates Guaranteed

Welcome to ECFinancialService, your trusted partner for housing loans in Kerala and Tamil Nadu. We provide competitive home loan solutions tailored to your financial needs, helping you make your dream home a reality.

Locations We Serve in Kerala

We provide housing loans across all major cities and towns in Kerala:

• Thiruvananthapuram

• Kollam

• Pathanamthitta

• Kottayam

• Alappuzha

• Ernakulam

• Thrissur

• Palakkad

• Malappuram

• Kozhikode

• Kannur

• Kasaragod

Why Choose ECFinancialService Home Loans?

Purchasing a home is one of the biggest investments in life. At ECFinancialService, we offer:

• Low Interest Rates – Save more with affordable EMIs.

• Flexible Repayment Tenure – Choose from 5 to 30 years.

• Quick Loan Approval – Minimal documentation and fast processing.

• High Loan Amounts – Finance your dream property without compromise.

• Legal & Technical Assistance – Our experts guide you through all formalities.

Whether you are salaried, self-employed, or an NRI, we provide customized solutions for your unique needs.

Home Loan Types We Offer

• Purchase of Residential Property – Apartments, villas, independent houses.

• Plot Purchase Loans – Finance for buying plots to build your dream home.

• Construction & Renovation Loans – Build or renovate your home with ease.

• Balance Transfer & Top-Up Loans – Reduce interest or increase your loan amount.

Low-Interest Housing Loan in Kerala

Our special low-interest schemes make homeownership more affordable:

• Attractive interest rates below market average.

• Flexible repayment plans to suit your budget.

• Ideal for NRIs and residents of Kerala looking to invest in property.

NRI Housing Loans in Kerala

We understand the challenges NRIs face while buying property in India. Our NRI housing loan services include:

• Seamless online application & approval process.

• Competitive interest rates and flexible terms.

• Guidance on property selection, legal formalities, and documentation.

Easy Home Ownership Process

1. Apply Online – Fill a simple form to start the process.

2. Loan Assessment – Our team evaluates your eligibility.

3. Approval & Disbursement – Quick and hassle-free loan release.

4. Move Into Your Dream Home – Enjoy your new property without delays.

Required Documents for Home Loan

For NRIs:

• Salary Certificate / 6 months payslips

• Job contract, Passport, and Visa copy

• 1-year bank statement showing salary credits

• NRE account statement for 1 year

• Qualification proof (if professional)

• PAN & Aadhaar card

• Co-applicant details (photo, ID, address proof)

• Last 2 years income tax returns (except Gulf NRIs)

For Salaried Applicants:

• Salary certificate / 6 months payslips

• Job contract copy

• 1-year bank statement

• Form 16, ITR & computation

• Qualification proof

• PAN & Aadhaar card

• Co-applicant details (photo, ID, address proof)

For Proprietorship:

• 3 years ITR, balance sheet, and computation

• 1-year bank statement

• Licenses (GST, MSME, local body, pollution, food & safety)

• Loan sanction letters & track record

• Property rental agreements & business profile

For Company / Partnership / Trust:

• Company/Partnership/Trust documents

• Registration certificate

• PAN card

• 3 years ITR & balance sheet

• 1-year bank statement

• Licenses & GST returns

• Loan sanction letters & track records

• Property documents (ownership, encumbrance certificate, sale agreement)