Kotak Vishwas Home Loans
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Own Your Dream Home with Kotak Vishwas Home Loan – Affordable, Flexible and Hassle-Free
Looking for an affordable home loan that fits your budget? Kotak Mahindra Bank’s Vishwas Home Loan is designed to make home ownership simple and stress-free. With loan amounts up to ₹1 Crore, competitive interest rates starting at 9.65%* p.a. and flexible repayment options. Whether you’re planning to buy your dream home or upgrade to a better space, Kotak Vishwas Home Loan offers low EMIs, quick approvals and transparent processes to help you achieve your goals with confidence.
With Kotak Vishwas Home Loan, we are committed to making your dream home buying journey easier.
Your dream home shouldn’t feel out of reach. With Kotak Vishwas Home Loan, you get simple eligibility, flexible repayment, and transparent terms – so owning a home becomes easier and stress free.
Get loan amounts from ₹5 lakh onwards without complicated processes.
Eligible for salaried earning ₹12,000 per month and self-employed earning ₹1.5 lakh annually or more.
Finance up to 90% of your property’s value.
Flexible tenures up to 25 years (salaried) and 20 years (self-employed).
Minimal documents, faster approval.
Interest starting at 9.65% p.a., tailored to your profile.
Getting started is simple. The loan is designed to be accessible, with basic criteria you can easily meet.
Criteria |
Salaried |
Self-Employed |
|---|---|---|
Age |
18 to 60 years |
18 to 65 years |
Loan Amount |
₹5 lakh – ₹1Cr* |
₹5 lakh – ₹1Cr* |
Minimum Income |
Residents of Delhi, Chennai, Bangalore, Mumbai, Pune: ₹15,000/month Other cities: ₹12,000/month |
₹1,50,000 per annum |
Your eligibility will also depend on your credit profile and the property you wish to mortgage.
The Kotak Vishwas Home Loan is designed to support a wide range of individuals, making home ownership more accessible:
Kotak Vishwas Home loan offers competitive interest rates tailored to your profile, making your dream home more affordable.
Customer Type |
Interest Rate (starting) |
|---|---|
Salaried |
Starting from 9.65% p.a. |
Self-employed |
Starting from 10.15% p.a. |
Fill in your basic details and check your loan eligibility in just a few steps. It’s that easy!
Receive an in-principle sanction letter with your approved loan amount, giving you a clear idea of how to plan your finances.
Upload your required financial documents for verification. Once the property and legal checks are done, the approved loan amount gets disbursed.
Kotak Vishwas Home Loan comes with transparent fees and charges, with no hidden costs.
Click here to view details on fees and charges before applying.
Kotak Vishwas Home Loan comes with transparent fees and charges, with no hidden costs.
Click here to view details on fees and charges before applying.
Documents |
Self Employed |
Salaried |
|---|---|---|
Application Form |
For proprietor / firm / company |
For salaried |
Compulsory document |
Pan card |
Pan card |
Identity proof
|
Driving License / Passport / Voter’s ID / Aadhaar Card (E-KYC Authenticated) |
Driving License / Passport / Voter’s ID / Aadhaar Card (E-KYC Authenticated) |
Address Proof |
Address proof for both office and residence; Passport/Driving License/Voter’s ID/Aadhaar Card(E-KYC Authenticated) |
Address proof for both office and residence; Passport/Driving License/Voter’s ID/Aadhaar Card(E-KYC Authenticated) |
Ownership Proof |
Agreement Copy / Electricity Bill / Maintenance Bill with share certificate / municipal tax bill / share certificate |
Agreement Copy / Electricity Bill / Maintenance Bill with share certificate / municipal tax bill / share certificate |
Business Continuity Proof |
Shop and Establishment certificate / tax registrations – VAT/Service Tax/GST Registrations |
- |
Relationship Proof |
- |
If same can not be proved from KYC documents submitted |
As per program |
|
|
Financial |
Latest Three Years audited financials Breakup of all secured and unsecured loans |
Latest 3 month’s salary slips Employment proof (appointment proof) only if current employer name does not match with that of the form 16 submitted |
Banking |
Latest 1year bank statement (business accounts) |
Latest 6months Bank Statement reflecting salary as well as existing EMI repayment |
Use our Home Loan EMI Calculator to estimate your monthly payments based on loan amount, tenure, and interest rate.
Calculate your monthly EMI with the Home Loan EMI Calculator here.