Money Bells offers a range of home loans in India to help individuals purchase their dream homes. As a significant investment, we understand the importance of making the right decision, which is why we provide comprehensive information on home finance, including interest rates, eligibility criteria, and customisable loan offerings. Whether you are a first-time homebuyer, upgrading to your dream home or planning to reduce your Housing Loan EMI by shifting, we have the perfect solution to suit your needs. Our website offers helpful resources such as home loan calculators and FAQs to guide you towards making an informed decision. Take the first step towards owning your dream home in India today by applying for housing finance with Money Bells.
Upgrade your residence with home renovation loans from your desired bank through your trusted channel partner i.e. Money Bells. Renovating your home can be a costly affair, but a home improvement loan can make your dream home a reality. Transform your home into a modern living space for you and your family with the help of our Services. You can use the funds from this loan for not only repairs and renovation to your existing house/flat but also to purchase new furniture, fittings and furnishings, be it sofas or electronics. Home Improvement Loans are affordable, with easy processing and minimal documentation. Take the first step towards transforming your home with our Home Improvement Loan. Apply now to get the best interest rates.
Rates linked to RBI’s repo rates
Hassle-free, simple and quick processing
For all digital applications
Customizable repayment tenure as per your need
Eligibility Criteria
Age 24-65 years
Income For salaried: At least 50,000 per month
For self-employed: At least 5 lakh p.a.
Credit Score: Preferably 700 or above
Occupation Type: Salaried and Self-Employed Professionals/Non-Professionals
Job/Business Stability: For salaried: At least 2 years of work experience
For self-employed: At least 3 years in business.
Documents Required: Salaried
Documents Required: Self-Employed
I had always heard that applying for a loan could be a headache, but Money Bells proved me wrong! I was able to secure a home loan with such ease. The application process was smooth, the team was incredibly helpful, and they took care of all the details. I got my loan approved much quicker than I expected. Highly recommend Money Bells for anyone looking for hassle-free loan services!
I needed a personal loan in a hurry, and Money Bells made it so easy. The online process was simple to follow, and I was able to submit everything digitally. The loan was approved in no time, and I couldn’t be more grateful for their fast and efficient service. They truly understand the urgency of their customers. Thanks to the team at Money Bells!
As an investor, I've worked with several loan providers, but none have been as straightforward and transparent as Money Bells. I applied for a property loan, and the process was quick and stress-free. The team walked me through every step, answered all my questions, and ensured that I understood everything. I highly recommend Money Bells for anyone seeking property financing!
I never thought getting a loan could be so easy. Money Bells provided exceptional customer service from start to finish. The entire process of applying for a home loan was seamless, and they kept me updated at every stage. The flexibility and support they offer made the experience stress-free. I’m so happy with my decision to go with Money Bells!
At MoneyBells, we follow the guidelines set by the Reserve Bank of India (RBI), which ensures transparency and fairness in home loan agreements. According to RBI regulations, there is no prepayment penalty on floating rate home loans. This means you can pay off your loan early without worrying about extra charges, offering you greater flexibility and the opportunity to reduce your interest burden.
However, for fixed-rate home loans, some lenders may charge a prepayment penalty if you choose to pay off the loan early, depending on the terms of your agreement. Rest assured, we ensure that our policies are clear, and our team is always here to guide you through any prepayment options that work best for you.
We offer home loans with flexible tenures ranging from 5 to 25 years. The exact tenure will depend on the loan amount approved and your financial profile. Whether you’re looking for a shorter-term solution or a more long-term investment, we tailor our offerings to meet your needs.
Absolutely! With a home loan, you can benefit from significant tax savings, including:
Tax deductions on the principal repayment: You can claim a maximum annual deduction of up to Rs. 1.5 lakhs under Section 80C.
Tax benefits on interest payments: Under Section 24, you can deduct up to Rs. 2 lakhs per year on the interest paid for a self-occupied property.
Tax savings for joint borrowers: If you and your spouse co-sign a loan, you can each claim up to Rs. 3.5 lakhs in tax deductions, meaning a total of Rs. 7 lakhs in tax benefits! We make sure you get the most out of your home loan.
If you’ve been making timely repayments on your existing home loan, you could qualify for a top-up loan. This additional loan allows you to borrow the amount you’ve already paid off on your current home loan. Top-up loans come with lower interest rates than personal loans and require minimal paperwork, making it an easy option to fund additional needs, whether it’s for home improvements or other expenses.
Unfortunately, joint home loans can only be applied for with immediate family members, such as a spouse, parents, or children. We understand the importance of sharing responsibilities, and we’re happy to help you explore options with your close family members to secure the best deal.
