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Home Extension Loan

Get the funds you need to add space, quickly and without hassle.

Interest rate icon
8.75%*
Onwards
Interest rate icon
Up to 30 Yrs
Tenure
Interest rate icon
Zero
Prepayment Charges
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Quick
Approval

* The final rate of Interest will depend upon Profile, Loan amount, tenure, property type and other risk parameters.

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Why Choose Sammaan Capital

Sammaan at Our Core and Actions Sammaan Capital stands as a trusted partner, respecting and nurturing millions of dreams of home and business. With us, every handshake is a promise, and every loan a foundation of respect for uniting dreams with opportunities for all.

WE’VE HELPED OVER

1.4 Million+ users

with their Home Loan requirements

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Leading Mortgage-Focused

NBFC in India

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200+

Offices Nationwide

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₹0.70 Trillion

Balance Sheet Size

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25+ Years

Housing Finance Expertise

Plan Smartly with Our Loan Calculators

Your Empowerment is Our Promise

Higher Loan Eligibility

Expanding your possibilities with higher borrowing flexibility.

Instant Sanction

Transforming your dreams into plans with swift approvals.

Attractive Interest Rates

Empowering your finances with interest rates that fit your needs.

Speedy Processing

Navigating your journey with ease and making every step simpler.

Documents Required for Home Loan

Identity & Residence Proof
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Aadhaar card

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Valid passport

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Valid driving license

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Voter ID card

Proof of income for the salaried
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Last three months’ salary slips

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Last 2 years Form 16 / IT Returns

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Last six months’ bank statements (showing salary credit)

Proof of income for the self-employed
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Income tax returns for the past two assessment years

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Current account statements of the business entity for last 12 Months

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Balance sheet and profit & loss account statements of the past two years along with the annexures and schedules

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Savings account statements of the individual for the last 12 Months

Property Papers
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Title deeds of the property

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Proof of non encumbrances on the property

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An estimate of the home extension by an architect/civil engineer

Other documents for home improvement loans
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Self-attested passport size photograph of the applicants and co-applicants

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Own contribution proof

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Aadhaar card

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Valid passport

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Valid driving license

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Voter ID card
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Last three months’ salary slips

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Last 2 years Form 16 / IT Returns

tick
Last six months’ bank statements (showing salary credit)
tick
Income tax returns for the past two assessment years

tick
Current account statements of the business entity for last 12 Months

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Balance sheet and profit & loss account statements of the past two years along with the annexures and schedules

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Savings account statements of the individual for the last 12 Months
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Title deeds of the property

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Proof of non encumbrances on the property

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An estimate of the home extension by an architect/civil engineer
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Self-attested passport size photograph of the applicants and co-applicants

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Own contribution proof

3 Steps to Apply for a Home Loan

Easy Application

Begin your journey with just a few details. Our guided steps ensure a smooth start towards owning your dream home.

Hassle-Free Documentation

Start the documentation process effortlessly. Submit the necessary information and let us handle the rest.

Quick Sanction

Move swiftly from application to approval. Our quick sanction process ensures your dream home is just a few steps away.
Step 1
Step 2
Step 3
Maximise Loan Eligibility
Unlock your potential and qualify for higher loan amount
100% Online
Simple, secure & quick process trusted by home buyers nationwide
Apply Now

Home Extension Loan Processing Fees & Charges

      Sammaan Capital offers competitive processing fees for home extension loan approval, along with 
additional charges for transactions like balance transfer. Other fees include dishonored payment,
        late payment, document retrieval, and specific property-related activities

Processing Fees

0.50% onwards of loan amount

database

Database Admin Fee (Including Taxes)

INR 650/- (plus applicable taxes and other bona fide levies, if any)

Legal

Transaction handling charges in balance transfer/ resale loans

INR 2000/-

Paper

Technical /Valuation and Legal opinion charges, SRO search charges, ROC search charges, non-encumbrance certificate from SRO charges

INR 3000/-

Stamp Paper

Stamping charges of loan agreement

As per actual, subject to state laws - to be borne by the borrower

Shipping Charges

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

Registration charges for borrowers’ NACH / ECS mandate (loan repayment)

NIL

Cheque / NACH / ECS dishonor charges and/or Cheque/NACH returned/ Non-payment of EMI

INR 500/-

Penal Charges

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

Charges for physical Statement of Account/ Amortization Schedule

INR 200/-

Income tax certificate in home loans

NIL

Complaint handling charges

NIL

Property Swap Charges (Swapping is at discretion of SCL)

INR 10000/-

Charges for Reissuance of pay order/ disbursement cheque revalidation

INR 500/-

Foreclosure statement Charges

INR 500/- (Nil, if requested once in quarter)

List of Documents

INR 1000/- (Nil, if requested within initial 6 months of 1st disbursement)

Retrieval charges for copies of loan/ property document in SCL custody

INR 750/-

Charges for certified true copies of title deeds from SRO, if applicable

As per actual

Original property documents retrieval for specific activity like production at SRO or development authority (on borrower request)

INR 5,000/- (plus applicable taxes and other bona fide levies, if any)

Repayment Mode/ Account Swap Charges

INR 500/-

Charges for non-collection of property documents beyond 30 days from the date of full repayment / settlement of the Loan

INR 500/- per month or part thereof

NeSL IU Service Charges

As per actuals charged by NeSL

ROI switch fee

Home Loan - 25% onwards of the difference between the existing and revised rate

Get Home Loan in Your City

Home Loans for Different Budgets

5 Cr

Home Loan Up to

3 Cr

Home Loan Up to

2 Cr

Home Loan Up to

1 Cr

Home Loan Up to

80 L

Home Loan Up to

50 L

Home Loan Up to

20 L

Home Loan Up to

10 L

Home Loan Up to

Find the Right Loan for You

Real Stories from Real Home Loan Customers

Self Employed Man
star icon star icon star icon star icon star icon 4.7 /5

Minimal paperwork, maximum trust

Sammaan Capital helped me get my required loan amount with minimal paperwork and very little guarantee from my side.

Salaried Man Home loan
star icon star icon star icon star icon star icon 4.8 /5

Quick approvals for the home you deserve

Sammaan Capital helped me buy a 2BHK home. The loan process was very easy with very less paperwork and was approved in really quick time.

Self Employed Women LAP
star icon star icon star icon star icon star icon 5 /5

Trust that fuels business growth

Sammaan Capital trusted my journey and approved my required loan amount with limited funding. I sincerely thank Sammaan Capital for believing in me and helping my business grow.

Self Employed Man Home loan
star icon star icon star icon star icon star icon 5 /5

A home, built on trust and support

Sammaan Capital fulfilled mine as well as my parents’ long‑standing wish of owning a home with ease. Their team was supportive, transparent, and handled the entire process smoothly without unnecessary hassle

Self Employed | Man | LAP
star icon star icon star icon star icon star icon 5 /5

Turning your own land into a happy home

Sammaan Capital helped us to build our own house on our own land without any stress. The loan process was very easy and the employees were very supportive to process my loan.

Frequently Asked Questions

Loans, eligibility, EMIs, documents, process, and support—explained simply.

Understand Loans. Choose Better.

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Should You Take a Home Loan? Pros, Cons & Things to Consider

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Loan Disbursement Guide: Types, Process, and Fees

Loan disbursement or loan disbursal is when the lender releases the approved amount to the borrower or sometimes a third party.

7 min
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5 Step Guide To Ease The Home Loan Process

Getting a home loan is simpler than it seems, and knowing the key steps makes the whole process faster, clearer, and stress-free.

8 min
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Why Should You Consider Buying a Home at a Young Age?

Buying a home is one of the biggest financial decisions you'll make. Starting early can offer several benefits, from easier loan management to long-term wealth creation and financial security.

5 min
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How to Plan and Buy Your Dream Home in 6 Simple Steps

Buying your dream home is easier when you follow a few simple steps. Start by understanding your budget and how much you can afford.

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