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Home Loan Tips
  • Can I get a Home Loan? From whom? Yes, you can avail of a Home Loan (balance copy).
    List of Housing Finance Institutions (HFIs) as follows :-
    • HDFC
    • ICICI
    • LIC Home Finance
    • GIC Home Finance
    • IDBI
    • Standard Chartered Grindlays
    • HSBC
    • CITI Bank
    • SBI Home Finance
  • How much loan can I get ?
    You can get a Home Loan of 80% of your purchase price upon qualification.
  • Who can be a co-applicant for the loan?
    You can include your spouse as a co-applicant for the home loan and we shall include his/her income to enhance your loan amount. Further, in case there are any other co-owners, they also need to be co-applicants.
  • Over what period can I repay the loan ?
    You have the option of selecting a term you are comfortable with, up to 15 years. The term does not extend beyond retirement age or on your reaching 65 years of age whichever is earlier.
  • How do I repay the Home Loan?
    The home loan repayment is by Equated Monthly Installments (EMIs) comprising of interest and principal amount calculated on annual rests. EMIs can be paid by Post Dated Cheques or being directly deducted from your salary.
    In case of part disbursement of the loan, monthly interest is payable only on the disbursed amount. This interest is called Pre-EMI interest and is payable monthly till the final disbursement is made, after which the EMIs would commence.
  • What is the security for the loan?
    You need to provide security of the property and/or such other additional /collateral security as may be mutually agreed.
  • Dharitri Infraventure Pvt Ltd
    Dharitri Infraventure Pvt Ltd is Real Estate Company approved and registered. Currently we are having 2 offices, one in Kolaghat and the other one in Lake Town (HQ). Currently, we have 15 team members which carry out mainly real and project marketing tasks.
    Dharitri Infraventure Pvt Ltd is a licensed real estate Company.
  • Our two associates named Dream Paradise Properties and Endeavor Realtors Pvt. Ltd.
  • Real Estate Agencies:
    The service provided by the company includes the followings: -
    • Sales and letting of residential, commercial, industrial, agricultural, development land and auction (LACA or Land Offices/High Courts) based properties.
    • Sourcing for suitable properties for the purposes of investment or owner occupation.
    • Securing tenants, negotiating leases and to conduct rental reviews.
    • Advice and assist on asset acquisition and relocation
    • Lands include agricultural and development lands;
    • Residential properties (stratified and landed properties);
    • Commercial Properties (shop, retail, etc); and
    • Factories.
    • Residential properties (stratified and landed properties);
    • Commercial Properties (shop, retail, etc); and
    • Factories.
  • Key Personnel
    We strive to meet our clients’ expectation in today’s demanding and challenging business environment, we are delighted to build a team of well trained professionals to provide the highest level of professional services in the real estate and property sector. We always agree that “good is the enemy of the great”. We cannot just content with being good, but we must strive to be the best we can be. We aim to build with a dedicated team of full time professionals; we believe our approach will help us to serve our clients and associates more efficiently and effectively.