A mortgage loan (Loan Against Property) lets you unlock the latent value in your property — residential or commercial — without selling it. ARK Capital Solutions helps you get the best LAP rates from 25+ banks and NBFCs across Hyderabad. Use the funds for any personal or business purpose — business expansion, medical expenses, education, or debt consolidation.
Purchase a ready-to-move or under-construction residential flat or house
Construct a home on your own plot or land
Renovate, extend, or repair your existing home
Balance transfer — move to a lender offering a lower interest rate
Top-up loan on an existing home loan for personal or business needs
NRI Home Loans for non-resident Indians investing in Hyderabad real estate
Plot + construction loans — purchase land and build simultaneously
Interest rates (floating and fixed options)
Loan tenure up to 30 years for comfortable EMI management
Finance up to 90% of property value (LTV ratio)
Tax benefits under Section 80C (principal) and Section 24(b) (interest)
Doorstep service and dedicated relationship manager assigned
Legal and technical property verification support included at no extra cost
Available for salaried, self-employed, and business owners
Joint home loan option to increase eligibility and enjoy combined tax benefits
Age: 21–70 years (at loan maturity)
Salaried: Minimum net salary ₹25,000/month; 2 years of stable employment
Self-Employed / Business: Minimum 3 years of business continuity with ITR proof
CIBIL credit score of 700 and above preferred
Valid property title deed with clear ownership
Identity proof: Aadhaar card, PAN card
Address proof: Utility bill, Voter ID, Passport
Income proof: Last 3 months salary slips or 2 years ITR with computation
Bank statements: Last 6 months
Property documents: Sale agreement, title deed, NOC from builder/society
Passport-size photographs (2 copies)
Form 16 (for salaried applicants)
How to Apply — Step by Step
1
Free Consultation
Speak to our advisor. We assess your income, CIBIL, and property.
2
Document Collection
Submit KYC, income, and property documents via WhatsApp or in-person.
3
Lender Matching
We shortlist 3–5 lenders offering the best rates for your profile.
4
Loan Sanction
Bank issues sanction letter within 5–7 working days.
Frequently Asked Questions
How long does home loan approval take? +
With ARK, most home loans are processed within 5–7 working days once all documents are submitted. In-principle approval is often available within 24 hours.
Can I apply for a joint home loan? +
Yes. Joint home loans with a spouse, parent, or co-owner increase your loan eligibility and allow combined tax benefits on interest repayment under Section 24(b).
Is a CIBIL score below 700 acceptable? +
We work with lenders who consider scores from 650 under certain conditions. We also assist clients in improving their credit profile before applying.
What is a balance transfer and should I consider it? +
A balance transfer moves your existing home loan to a new lender offering a lower interest rate. Even a 0.5% reduction can save lakhs over a 20-year tenure. We evaluate whether a transfer makes financial sense for you.
Can I get a home loan for an under-construction property? +
Yes. Home loans for under-construction properties are disbursed in stages linked to construction progress. You pay interest only on the disbursed amount during this period.
Ready to Apply for Mortgage Loans?
Talk to our expert advisors — zero fees, personalised guidance, and the best rates in Hyderabad.
