It is the dream of every individual to own a home and SHFCL is just the right place for a person from lower and middle income group desiring a roof above his head.


SHFCL offers the most convenient fixed interest rate home loans in the range of Rs. 1- 20 Lacs that can be repaid over long tenures of 5 to 20 years.


This allows a home buyer to plan his income v/s expense cash flow over the years.


The clearly defined loan terms and conditions mean complete transparency for the client.


SHFCL also offers a home loan to the self-employed to realise their goal of owning a home.


SHFCL finances upto 80% of the property value and the property is treated as the first mortgage.


The borrower can pay the EMIs through post dated cheques or direct salary deduction mode or ECS.



SHFCL also assists a home owner to leverage his investment in the property to avail of financial assistance to meet his genuine needs like home repairs / reconstruction / extensions.


The property is treated as the first mortgage and fixed interest rate loans in the range of Rs. 1 - 20 Lacs are issued , but the tenure of this loan is upto 10 years only.


SHFCL typically finances loans upto 60% of the prevailing agreement value of the property.

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