Talk to us first
Before you make an offer, share the property details with your Cherut Kapitals lending specialist to confirm how much you can offer.
Before signing any sale and purchase agreement, you’ll need to get it looked over by a lawyer and ensure all legal boxes are ticked.
Understand your offer
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Conditional offer: Includes clauses like finance approval or a building inspection.
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Unconditional offer: Once all conditions are met, your offer becomes binding - and you’re nearly a homeowner!
Get legal support
Sort your loan
We’ll help you find the home loan type and repayment plan that best suits your needs. You can also use our home loan calculator to estimate your repayments and explore options that fit your budget.
Get your insurance sorted
To complete your loan process, you’ll need to show proof of home insurance. This helps protect your property and assures the bank before the loan amount is released.
Your deposit
Saving for a deposit isn’t always easy, but every bit you put aside brings you one step closer to owning your home. Try our home loan borrowing calculator to get an estimate of how much you could borrow.
Extra financial boost for your First Dream Home
Buying your first home is a big step, and we're here to help make it a little bit easier.
We're offering at least up to 4cr Loan Amount eligible new Cherut Kapitals first home loans of 7.10% rate of Interest. it's designed to give you a practical boost when you need it most.
It's just one of the ways we can support you through the home loan journey from application to move-in day.
Who's eligible?
You may qualify if you meet all of the following conditions:
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You're a first home buyer (as determined by Cherut Kapital)
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You're purchasing a property to live in (owner-occupied)
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Your new Cherut Kapital Home Loan is ₹2 crore or more
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The loan is in your personal name (not a Company or Trust)
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You must intend to use the property as your primary residence (owner-occupied, not investment)
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You need to maintain a minimum balance of ₹5,000 in your account
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You must not currently own any other residential property in India
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The property must be located in India
Contact Cherut Kapital to understand how PF withdrawals can accelerate your homeownership journey while staying compliant with RBI guidelines.
Family support
Family can gift your full or partial deposit. If structured as a loan, disclose early as it may affect approval. Both parties should seek legal advice.
Guarantor support
Family can guarantee your loan using their home equity. Legal advice is essential for all involved.
Family loan
Family loans require:
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Deed of Acknowledgement of Debt with clear terms
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No mortgage/caveat on property
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No repayment during Cherut Kapital loan term
Pre-approval
Get pre-approved in 4 simple steps to know your borrowing capacity before house hunting.
Your own savings
Typically, you'll need a 20% deposit of the property's value. Don't worry if you've saved less—options exist to bridge the gap.
Contact a Cherut Kapital lending specialist to explore tailored solutions. You may be closer to owning your home than you realise.
Build your deposit faster by opening a dedicated savings account with regular contributions, no matter how small.
Cherut Kapital WebSaver offers flexible saving without fixed-term restrictions, helping your deposit grow steadily.
How to grow yourn Home loan deposit
Cherut's first home withdrawal
Pre-approval
Ready to start house hunting?
Getting pre-approved with Cherut Kapital is your first smart step. It shows exactly how much you can borrow, giving you confidence to shop within your range.
We assess your complete financial picture—income, savings, expenses, and debts—to calculate your borrowing power and ensure repayments fit comfortably within your budget.
Pre-approval gives you:
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Clear price range before viewing properties
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Stronger negotiating power when making offers
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Time saved by focusing only on affordable homes
How to get pre-approved
You can complete our online home loan application or contact a Cherut Kapital lending specialist who will guide you through the entire process.
Once pre-approved, start house hunting with confidence—knowing your budget is backed by Cherut Kapital when you make offers.
You can complete our online home loan application or contact a Cherut Kapital lending specialist who will guide you through the entire process.
Once pre-approved, start house hunting with confidence—knowing your budget is backed by Cherut Kapital when you make offers.
Making an offer
Found the perfect property? Here’s how to take the next step towards owning it.
Steps to apply for your first home loan
You can submit your home loan application online. To get started, keep your personal and financial information ready, and allow around 20 to 30 minutes to finish the application. You can also refer to the checklist below to see which documents are required.
Prefer to speak with someone?
If you have questions about any part of the process or want to explore your options, our lending specialists are available to assist you. You can speak with one of our lending specialists at +91 9972613399, Monday to Saturday, 9:00 am to 6:00 pm. Sundays are closed. You may also complete our home loan enquiry form, and one of our lending specialists will get in touch with you.
What you’ll need to apply
Steps to apply for your first home loan
You can submit your home loan application online. To get started, keep your personal and financial information ready, and allow around 20 to 30 minutes to finish the application. You can also refer to the checklist below to see which documents are required.
Prefer to speak with someone?
If you have questions about any part of the process or want to explore your options, our lending specialists are available to assist you. You can speak with one of our lending specialists at +91 9972613399, Monday to Saturday, 9:00 am to 6:00 pm. Sundays are closed. You may also complete our home loan enquiry form, and one of our lending specialists will get in touch with you.
What you’ll need to apply
What you'll need to apply
When applying for a home loan with Cherut Kapitals, you will need to complete a statement of financial position that outlines your income, savings, expenses, and liabilities. This allows us to get a clear view of your current financial standing and assess how much you may be able to borrow.
Tip: Be sure that the information provided in your statement of financial position matches the bank statements you submit.
After we receive your application, one of our lending specialists will contact you within three working days to talk through your application and guide you on the next steps.
You'll also need to send us:
1. Proof of income
Please provide the three latest payslips for each applicant so we can verify your income. If you are self-employed, you will need to submit your financial statements for the past two years. If you work as a contractor, please provide your individual income tax returns IR3IR3 for the last two years.
2. Bank statements
To review your spending habits and regular expenses, we’ll need bank statements covering the most recent three full months for:
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Your primary transaction accounts, unless these are held with us. This may include your everyday account or credit card account.
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The account where your income is paid, if different from your main transaction account.
3. Loan balances
If you are liable for any loans under a company or trust, please provide the latest loan statement. This includes personal loans, vehicle loans, and any other finance arrangements.
Using your KiwiSaver?
Getting support from family?
If a family member is helping with a gift, a loan, or by acting as a guarantor, we’ll need some additional information to verify that support. Speak with one of our lending specialists, and they will explain what is required and help you through the process.
Important note
All statements must be submitted as PDF files downloaded from online banking or issued directly by your bank. We’re unable to accept scanned copies, printed statements, or any other file formats.
Having these documents prepared in advance can help speed up your application and make the process more efficient. If you’re uncertain about any part of the process, feel free to contact us — we’re here to assist you.
Would you like me to replace “we/us” with your company name, such as Cherut Kapitals, throughout this section?
Looking for help?
Talk to a home loan specialist
Whether you’re just getting started or ready to apply, we’re here to help you with your home loan. Send us a few details and one of our lending specialists will get in touch within 24 Hours.
They’ll answer your questions, talk through your options and guide you through the home loan process – so you can move forward with confidence.
Have a general question?
You can call us on 99726 13399 from 9am-6pm Monday to Friday, and 9am-5pm on the weekend.
Important information
General Lending Terms and Conditions:
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Bank's may approve residential loans with less than a 20% deposit subject to bank funding requirements.
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An early repayment fee may apply on fixed rate loans.
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All interest rates are subject to change.
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Lending criteria, terms and conditions, and fees apply.
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When you bank with Cherut Kapitals you agree to our General Terms.