Follow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
Read the latest insights from Sammaan Capital.
Follow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
Read the latest insights from Sammaan Capital.
Follow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
Read the latest insights from Sammaan Capital.
Follow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
Read the latest insights from Sammaan Capital.
Follow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
Read the latest insights from Sammaan Capital.
Follow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
Read the latest insights from Sammaan Capital.
Buying your first home is a major milestone, and the right home loan can make the journey easier. Home loans for first-time buyers are designed to simplify the process with clear guidance, flexible eligibility, and easy-to-understand repayment options.
From application to disbursement, you are supported at every step.
Guided Loan Journey
Support at every stage from application to approval
Flexible EMI Options
Choose a repayment plan that fits your budget
Simple Documentation
Easy and structured application process
Faster Approvals
Designed to help you move ahead with confidence
Sammaan at Our Core and Actions At Sammaan Capital, trust is built through real impact. We help individuals and entrepreneurs turn aspirations into tangible progress. Every loan we disburse is guided by transparency, responsibility, and a commitment to long-term financial well-being.
WE'VE HELPED OVER
1.4 Million+ users
with their Home Loan requirements
Leading Mortgage-Focused
NBFC in India
200+
Offices Nationwide
10k+
Approved Projects
25+ Years
Housing Finance Expertise
Sammaan Capital maintains a transparent fee structure for home loans for first time buyer, ensuring clarity at every stage.
Processing Fees
0.50% onwards of loan amount
Database Admin Fee (Including Taxes)
INR 650/- (plus applicable taxes and other bona fide levies, if any)
Transaction handling charges in balance transfer/ resale loans
INR 2000/-
Technical /Valuation and Legal opinion charges, SRO search charges, ROC search charges, non-encumbrance certificate from SRO charges
INR 3000/-
Stamping charges of loan agreement
As per actual, subject to state laws - to be borne by the borrower
Stamping charges of other legal documents like indemnity bond, legal undertakings, legal affidavits, personal guarantee bond, power of attorney for NRI home loans etc.
As per actual, subject to state laws - to be borne by the borrower
NIL
INR 500/-
In case of payment defaults - 24% (twenty four percent) per annum on outstanding of EMI/ Pre-EMI.In case of other defaults/Event of Default - 2% (two percent) per annum on the outstanding amount of loan
INR 200/-
NIL
NIL
INR 10000/-
INR 500/-
INR 500/- (Nil, if requested once in quarter)
INR 1000/- (Nil, if requested within initial 6 months of 1st disbursement)
INR 750/-
As per actual
INR 5,000/- (plus applicable taxes and other bona fide levies, if any)
INR 500/-
INR 500/- per month or part thereof
As per actuals charged by NeSL
Home Loan - 25% onwards of the difference between the existing and revised rate
To apply for a home loan for a first-time buyer, you need to submit basic documents for identity, income, and property verification.
For all applicants
For Salaried
For Self-employed Professional
For Self-employed Non-professional
For Merchant Navy / NRI
Other Related Documents
Assistance from application to approval
Plan your EMI comfortably
Clear terms and structured journey
Loans, eligibility, EMIs, documents, process, and support—explained simply.
Home Loan
Quick approvals and hassle-free documentation. Apply online for up to 90% of your property's value with rates starting at 8.75%*.
Loan Against Property
Unlock your property's potential for your business growth. Enjoy high eligibility, speedy processing, and minimal documentation.
Home Renovation Loan
Upgrade your home with easy financing. Flexible repayment tenure of up to 30 years to cover materials, labour, and remodelling.
Simple guides and expert insights to help you understand loans and make better financial decisions
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Commercial loan is a secured, debt-based loan agreement for lending money
The Doorway to your Dream Home is just 5 Steps AwayBuying your very own home is not an impossible feat. Here are a few ways to ensure this dream home of yours is well within your reach.
You have decided to buy a house and have zeroed in on the house you want to buy. The next step is to apply for a home loan.
Loan disbursement is one of the most crucial stages of the credit lifecycle
5 Step Guide To Ease The Home Loan Process You have decided to buy a home and it makes you both excited and anxious
Why Should You Consider Buying a Home at a Young Age? One of the biggest financial decisions one makes in their life is that of buying a house.
The Doorway to your Dream Home is just 5 Steps AwayBuying your very own home is not an impossible feat. Here are a few ways to ensure this dream home of yours is well within your reach.
Get Personalised Home Loan Guidance
Transparent guidance
Fast eligibility check
Support at every step
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