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.
Government employees benefit from stable income structures, which helps simplify the home loan process. Loans are structured based on salary, balance service tenure, and repayment capacity.
The process is designed to be efficient and predictable, making it easier to plan your home purchase.
Stable Income Advantage
Consistent income supports easier eligibility assessment
Higher Loan Eligibility
Loan amounts aligned with job stability and income
Longer Repayment Tenure
Flexible tenure options available
Simplified Documentation
Standard salary based documentation process
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 government employee, 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
Structured profiles enable smoother processing
Transfer existing loans with ease
Access support online, through app, or at branches
Loans, eligibility, EMIs, documents, process, and support—explained simply.
New Home Loan
Quick disbursements with assisted application. Begin your dream home ownership with us
Home Loan for Renovation
Get a financial aid for giving your dream home the care it deserves
Simple guides and expert insights to help you understand loans and make better financial decisions
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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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A home loan makes buying your dream home possible, but is it the right move for you? This guide covers the pros, cons, and key things to consider before you borrow.
Get Personalised Home Loan Guidance
Transparent guidance
Fast eligibility check
Support at every step
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