Reliobrix Consulting is a leading real estate consultancy agency in India. Established in 2013 and having its office in Noida, it serves a range of consultancy services in real estate business, especially in housing & residential projects. As a widely reputed firm & with its well experienced professionals Reliobrix understands the core need of its customers and gives suggestion as per the requirement and budget.Besides giving consultancy services, the company has been fast expanding its presence as one of best guardian in housing and residential projects. Reliobrix is committed to take more and more challenge in its functional area with increased focus and dedication in coming years.

To be known as a top Real Estate Broking Company by reaching to a level where RelioBrix becomes synonym with reliability professionalism and transparency leading to Customer/Investor/Developer/Associate’s delight.

To be known as a top Real Estate Broking Company by reaching to a level where RelioBrix becomes synonym with reliability professionalism and transparency leading to Customer/Investor/Developer/Associate’s delight.

What is my Home Loan Eligibility?

To assess your home loan eligibility, the standard method which banks usually follows is the application of FOIR (fixed obligation to income ratio) of a borrower. To calculate the FOIR all the other monthly instalments paying by a borrower including the home loan that he/she has applied for will be taken into consideration.

What are the documents that I need to submit for availing home loan?

The documents that need to be submitted for availing home loan may vary from one lender to the other. Some of the important documents to be submitted include the following:

• Completed loan application form
• Passport size photographs of the applicant
• Identity proof – PAN card/Passport/ DL/ Voters ID
• Residence proof- telephone or electricity bill/ passport/ voter ID / property tax receipt
• Banks statement for last 6 months and salary certificates/ latest acknowledged ITR

What are the various types of Home loans available?

The banks usually offer the following types of loans on interest:

• Home Purchase Loan: It is the most popular type of loan taken for purchasing a new residential property or an old house at a fixed or floating rate of interest from its previous owner.
• Home Improvement Loan: Home improvement loans are sanctioned for executing internal repair work and renovation work at home.
• Home Construction Loan: These loans are given to construct a house on a plot of land you have already purchased.
• Home Extension Loan: These loans are sanctioned for extending or expanding an existing house.
• Land Purchase Loan: Land purchase loan is granted for the purchase of a piece of land for both residential or investment purposes.
• Home Conversion Loans: These loans are offered for people who have already purchased the residential property by taking a home loan but would now want to move on to other house. With these loans, they can fund the purchase of a new property by transferring the existing loan to the new house.
• Balance Transfer Loan: These loans are availed when a borrower is unhappy with the services of his current lender. They can switch from one bank to another.
• NRI Home loans: These are specialized loans, specifically designed for the benefits of NRI's who wish to construct or buy a house in India.
• Loan against Property (LAP): Such type of loans are given or disbursed against the mortgage of a property.

Who can be joint borrowers in case of a home loan?

Immediate family members such as your parents, spouse and children are allowed to become your joint borrowers in case of a home loan.

How do I repay my home loan?

There are many ways to repay your loan like issuing post-dated cheques for the tenure of the home loan, getting the amount automatically deducted from your monthly salary or by issuing standard instructions to the lender for Electronic Clearing System wherein the EMI is deducted automatically from your bank every month.

When can I take disbursement of a home loan?

On an average, loans are disbursed within 3-10 days after the completion of all legal documentation and all the required procedures.