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Home Loan
At KriShiv In.Tech Private Limited, we understand that a home is more than just a place—it’s a foundation for your dreams and a legacy for your family.
Turn Your Dream Home into Reality
Since 2004, we’ve been empowering individuals across Gujarat to achieve homeownership with our comprehensive range of home loan solutions. Whether you’re buying a new property, purchasing a resale home, seeking additional funds, or looking to optimize your existing loan, our tailored home loan products are designed to meet your needs with competitive rates, flexible terms, and exceptional service.
Our Home Loan Offerings
We offer a variety of home loan options to suit every stage of your homeownership journey. With our customer-first approach and partnerships with leading financial institutions, we ensure a seamless experience backed by transparency and efficiency.
1. New Home Loans
Dreaming of a brand-new home? Our New Home Loans provide financing for purchasing newly constructed properties, including apartments, villas, or independent houses.
Key Features
- Financing up to 90% of the property value (subject to eligibility).
- Competitive interest rates starting at 7.60% p.a.*
- Flexible repayment tenures up to 30 years.
- Minimal documentation for a hassle-free application process.
Ideal For
First-time homebuyers, salaried professionals, and self-employed individuals looking to invest in a new residential property.
2. Old/Resell Home Loans
Found the perfect pre-owned home? Our Old/Resell Home Loans make it easy to purchase resale properties with tailored financing solutions.
Key Features
- Loans for properties in established neighborhoods or ready-to-move-in homes.
- Quick approval process with online application options.
- Attractive interest rates and flexible repayment terms up to 30 years.
- Expert guidance to navigate property valuation and legal checks.
Ideal For
Homebuyers seeking affordable resale properties or those relocating to a different home.
3. Top-Up Home Loans
Need extra funds for home renovations, extensions, or other personal needs? Our Top-Up Home Loans provide additional financing alongside your existing home loan.
Key Features
- Access up to ₹1 crore or higher, based on property valuation and eligibility.
- Use funds for home improvements, medical emergencies, education, or weddings.
- Convenient repayment tenure up to 32 years.*
- Minimal documentation and fast disbursal.
Ideal For
Existing home loan borrowers needing additional funds for personal or property-related expenses.
4. Refinance Home Loans
Refinance your existing home loan with KriShiv In.Tech to benefit from lower interest rates, reduced EMIs, or better repayment terms.
Key Features
- Transfer your outstanding loan balance to us for rates as low as 7.60% p.a.*
- Combine refinancing with a top-up loan for additional funds.
- No prepayment or foreclosure charges for floating-rate loans.
- Streamlined process with minimal paperwork.
Ideal For
Borrowers looking to reduce their interest burden or optimize loan terms with a new lender.
5. Balance Transfer Home Loans
Switch your existing home loan to KriShiv In.Tech to save on interest and enjoy better terms with our Balance Transfer Home Loans.
Key Features
- Transfer your outstanding loan balance after paying at least 6 monthly installments with your current lender.
- Attractive interest rates starting at 7.60% p.a.*
- Option to combine with a top-up loan up to ₹1 crore or higher.
- Tax benefits on principal and interest, as per the Income Tax Act, 1961.
Ideal For
Borrowers seeking lower EMIs, better repayment flexibility, or additional funds through a top-up.
6. Secured Home Loans (Loan Against Property)
Unlock the value of your property with our Secured Home Loans, also known as Loans Against Property (LAP), to meet large financial needs.
Key Features
- Borrow against residential or commercial property for business expansion, education, or personal needs.
- Loan amounts up to 80% of the property’s market value.
- Competitive interest rates and tenures up to 15 years.
- Fast processing with transparent property valuation.
Ideal For
Self-employed individuals, business owners, or homeowners needing significant funds for diverse purposes.
Why Choose KriShiv In.Tech for Home Loans?
With a legacy of over 20 years in Gujarat’s financial sector, KriShiv In.Tech Private Limited is your trusted partner for home financing. Here’s what sets us apart:
Expertise You Can Trust
Our experienced team provides personalized guidance to help you choose the right home loan product.
Technology-Driven Convenience
Our advanced CRM and DMS systems ensure quick processing, easy tracking, and seamless policy management.
Trusted Partnerships
We collaborate with leading banks and NBFCs to offer you the best home loan products with competitive rates.
Customer-Centric Service
Our clients praise our prompt, courteous, and transparent approach, as reflected in testimonials from Ahmedabad and beyond.
Comprehensive Support
From application to disbursal and repayment, we’re with you every step of the way, ensuring a hassle-free experience.
Who Should Opt for Our Home Loans?
Our home loan products are designed for:
- First-time homebuyers looking for new or resale properties.
- Homeowners seek funds for renovations, extensions, or personal needs.
- Borrowers aim to reduce EMIs or optimize existing loan terms through refinancing or balance transfer.
- Self-employed individuals or business owners needing large funds via secured loans against property.
- NRIs, salaried professionals, and self-employed individuals seeking flexible financing options.
How It Works?
Reach Out to Us
Contact us via email at info@krishivintech.com or fill out our “Get Quote” form to discuss your home loan needs.
Personalized Loan Selection
Our experts assess your financial profile, property details, and goals to recommend the best loan option.
Hassle-Free Application
Apply online or offline with minimal documentation, supported by our streamlined, tech-enabled process.
Fast Approval and Disbursal
Get loan approval within 48 hours* in most cases, with funds disbursed quickly.
Ongoing Support
Manage your loan, track EMIs, and access support through our customer portal or dedicated team.