Affordable Interest Rates
Competitive housing loan interest rates designed to make home ownership easier.
High Loan Eligibility
Calculate your eligibility using our Loan Eligibility Calculator for accurate planning.
Transparent Processing
No hidden charges and clear loan structure for peace of mind.
Easy EMI Planning Tools
Plan repayments with our Monthly EMI Calculator for Home Loan.
Customizable Loan Amount
Borrow according to your property value and eligibility.
Government-Supported Schemes
Assistance with subsidy benefits wherever applicable.
Minimal Documentation
Simple paper requirements and fast approval process.
Online & Offline Application
Apply digitally or by visiting the nearest branch.
Balance Transfer Options
Transfer your existing home loan and save with lower interest.
Step 1
Submit basic details online or visit the nearest Thirukochi Fincap branch.Step 2
Provide property details and required documentation for evaluation.Step 3
Check eligibility and EMI affordability using our Home Loan Calculator.Step 4
Loan approval processing & agreement finalization.Step 5
Disbursal of the approved loan amount directly to your account or builder.
Age Requirement
Applicant must be between 21 to 65 years.
Income Stability
Salaried/self-employed individuals with verified income proof.
Credit & Property Verification
Property must meet legal standards and valuation criteria.
Fees & Key Charges
- Interest Rate: Competitive yearly interest — final rate depends on tenure and loan amount.
- Processing Fee: A small one-time processing fee may apply (transparent up-front).
- Late Payment: Penalty charges for delayed EMIs as per terms and conditions.
- Foreclosure: Foreclosure terms vary — some early closure charges may apply depending on tenure.
For exact figures, please contact our branch or check the loan schedule provided during application.
How is EMI calculated for a home loan?
EMI is calculated based on loan amount, tenure, and interest rate. Use our EMI Calculator for Home Loan for exact monthly installments.
How do I check home loan eligibility?
You can calculate eligibility easily with our Loan Eligibility Calculator, based on your income, credit score, and repayment capacity.
What documents are required for a housing loan?
KYC, income proof, bank statements, property documents, and photographs.
