u/Accomplished_Yam_447

Attention all prospective home buyers looking at THE ADWAITH By SANJEEVINI: We have a very exciting home loan offer for this project.

Here's what we can offer on this property :

- Up to 90% funding on the property

- 7.00% interest for CIBIL 800+

- 7.15% interest for CIBIL 750-799

- Public sector bank

- Zero processing fees

- OD facilityavailable after handover

We've done several cases here, so legal and valuation clearances are usually quick. Rates and eligibility depend on your profile and the bank's approval.

Already have a home loan offer?

If we can beat it, we'll be happy to help you through the entire sanction process, start to finish, quickly.

+91 9667992644

Www.credwisefinserv.com

Attention all prospective home buyers looking at Godrej Park Retreat: We have a very exciting home loan offer for this project.

This project is still at underconstruction phase with handover in next two months. If you are planning to buy this through Assignment Deed, read below :

Here's what we can offer on Godrej Park Retreat:

-Up to 90% funding on the property based on MOU price

-7.00% interest for CIBIL 800+

-7.15% interest for CIBIL 750-799

-Public sector bank

- Zero processing fees

- OD facility available after handover

We've done several cases here, so legal and valuation clearances are usually quick. Rates and eligibility depend on your profile and the bank's approval.

Already have a home loan offer?

If we can beat it, we'll be happy to help you through the entire sanction process, start to finish, quickly.

+91 9667992644

Www.credwisefinserv.com

P.s. Credwise operates on Zero fee model.

​

Hi all. Your home loan advisory team from (CredWise) is back with another AMA on home loan related information.

So, Welcome back to another session of Second Opinion, where we help you figure out if your current home loan offer is actually good or just sounds good.

A professional second opinion whether the loan offer you are choosing is great or you can save more.

Post your Loan sanction details, and we can give you an honest assessment:

✅Are you missing on LOWER rate as per your CIBIL and profile?

✅Which banks might give you better terms?

✅ Assignment cases, B khata, Plot purchase with lower guidance values etc.

✅ How to structure Home Loan if there is a difference between guideline value and Purchase value

Paying LAKHS in unnecessary interest without knowing that they could have got better offer. Getting locked into prepayment penalties they don't understand.

This thread is about giving you the tools to make better decisions.

TAG WITH A FRIEND WHO IS HOME HUNTING!!

+91 9667992644

Www.credwisefinserv.com

NRI Home buyers across Gurgaon: if you're stuck with a higher rate on your running home loan, you can switch to a lower one, with rates starting as low as 7%.

Myth: "You need an 800+ CIBIL score to get a low rate."

Reality: Not true. A home loan advisor compares offers from multiple banks and finds the best rate for your profile.

How we can help:

✅ Balance transfer on your existing home loan, for both under-construction and ready-to-move properties

✅ New home purchase loans for ready-to-move homes. Home Loan rate 7% ownwards.

✅ Overdraft (OD) facility at 7.25% for CIBIL 725+

With Credwise Assisted Home Loans, we handle the entire process for you, from comparing offers to final disbursal.

📞 Message or call us today to check how much you could save on your EMI.

Additional benefits : We will arrange doorstep documents pickup and documents signing at your Home

*Rates are indicative and subject to bank approval, profile, and T&C.

www.credwisefinserv.com +91 9667992644

Home buyers across Gurgaon: if you're stuck with a higher rate on your running home loan, you can switch to a lower one, with rates starting as low as 7%.

Myth: "You need an 800+ CIBIL score to get a low rate."

Reality: Not true. A home loan advisor compares offers from multiple banks and finds the best rate for *your* profile.

How we can help:

✅ Balance transfer on your existing home loan, for both under-construction and ready-to-move properties

✅ New home purchase loans for ready-to-move homes

✅ Overdraft (OD) facility at 7.25% for CIBIL 725+

With Credwise Assisted Home Loans, we handle the entire process for you, from comparing offers to final disbursal.

📞 Message or call us today to check how much you could save on your EMI.

Additional benefits : We will arrange doorstep documents pickup and documents signing at your Home

*Rates are indicative and subject to bank approval, profile, and T&C.

#HomeLoan #BalanceTransfer #Gurgaon #Noida #Delhi #NCR #Credwise #HomeLoanAdvisor #LowInterestRate

We're Credwise, we work on NRI home loans and property funding — sharing this because it's one of the most common questions we get from NRI clients.

Seen a few posts here where people found out too late that a property type wasn't purchasable by NRIs. Laying out the actual FEMA rules since there's a lot of confusion (and some agents/developers aren't upfront about it).

---

✅ Residential property — fully allowed

Flats, houses, plots in approved layouts (DDJAY, GNIDA, CMDA, etc.). No RBI approval needed.

---

✅ Commercial property — allowed, but funding is different

• Fewer lenders finance commercial, especially under-construction

• LTV caps around 75% (vs 90% for residential) — plan for 70-75%

• Ready-to-move is easier to fund than under-construction (lenders underwrite on rental income)

---

❌ Agricultural land, farmhouses, plantation property — NOT allowed

The one people get wrong most. NRIs can inherit this, but cannot purchase it — even with NRE/NRO funds.

---

Payment rules:

• Must go through NRE/NRO accounts or inward remittance — no cash

• NRE-funded purchases: repatriable on sale (up to 2 properties)

• NRO-funded purchases: repatriable up to USD 1M/year with documentation

---

Documents you'll typically need:

| Category | Documents |

|--- |---|

| Identity | Passport + visa, OCI/PIO card, PAN |

| Income | Salary slips/contract, bank statements (6mo), Form 16/tax return |

| Banking | NRE/NRO statements, notarized PoA (if not signing in person), CIBIL if available |

| Property | Sale agreement, title docs |

Requirements vary by bank/country, so confirm with whoever's processing your loan.

Happy to answer questions if anyone's navigating something similar — DM open too.

+91 9667992644

Www.credwisefinserv.com

Hi all. Your home loan advisor (CredWise) is back with another byte on home loan related information.

Starting something new today, and I hope it helps at least a few of you save some serious money.

You know how difficult it is to not know about latest info about home loan offer for you and miss out on lowest roi.

To get lowest roi, it is believed that you need to have perfect 800+ score which is incorrect. If you apply at right bank even at 770+ score, you can get lowest 7.0%. This is how correct information can help.

So, enough said Welcome back to reboot of FIRST Saturday Second Opinion, where we help you figure out if your current home loan offer is actually good or just sounds good.

A professional second opinion whether the loan offer you are choosing is great or you can save more.

Post your Loan sanction details, and I'll give you an honest assessment:

✅Is the rate LOWEST as per your CIBIL?

✅Which banks might give you better terms?

✅ Red flags, if any like nbfc trap of prepayment penalty?

#Why I'm doing this publicly:

Had couple of interactions with people here.I see the same mistakes repeatedly. People accepting the builder suggested bank offer they get.

Paying LAKHS in unnecessary interest without knowing that they could have got better offer. Getting locked into prepayment penalties they don't understand.

This thread is about giving you the tools to make better decisions.

TAG WITH A FRIEND WHO IS HOME HUNTING!!

+91 9667992644

Www.credwisefinserv.com

​

Wanted to share a recent win that our team is pretty proud of.

Our client, an NRI, was investing in multiple units (commercial + residential) in the Godrej Crown Residency project in Greater Noida. Total purchase value was around ₹3.5 Cr.

The challenge: his credit profile was barely 7 months old, and he already had a couple of existing loans for commercial purposes. On top of that, we were working under a tight timeline to get this funded.

Despite that, we managed to get him:

• Funding of ₹1.93 Cr from Bank at a rate of 8.5%

• A preferential commercial rate, below standard offerings, from one of the leading private banks

A quick note for anyone considering a commercial purchase:

Commercial property funding is inherently trickier than residential. A few things to keep in mind:

• Fewer lenders play in this space — very few banks fund under-construction commercial property.

• For NRIs specifically, the paperwork and approval challenges go up significantly.

- LTV is lower — where home loans can go up to 90% LTV, commercial purchases typically max out at 75%. A safe planning number is 70-75% LTV, not more.

- Ready-to-move commercial property is easier to fund — lenders can assess based on expected/current rental income, which makes underwriting more straightforward than under-construction projects.

So if you're planning to invest in a commercial shop or unit, go in with the right expectations on funding percentage and lender options.

Happy to answer questions if anyone's navigating something similar.

www.credwisefinserv.com

+91 9667992644

Hey everyone, Your home loan advisor with Credwise is back to help you answer the most confusing topic of underconstruction resale. This question comes up a lot on this sub, so I wanted to break down how this transaction actually works, in plain simple terms.

The scenario

A builder is still building a project (no Occupancy Certificate yet). The person who originally bought a flat there (let's call them the Reseller) wants to sell it to you, even though it's not registered in their name yet. This is different from buying a normal resale flat that's already complete and registered.

Why this is different

In a normal resale, the seller already owns the flat and hands it over to you with a sale deed. Here, the reseller doesn't fully own the flat yet. The unit is unregistered in seller's name.

How the deal is structured

1. MOU between you and the reseller — this is where you agree on the actual price you're paying them

2. Tripartite Agreement (TPT) between the builder, the reseller, and you — this legally transfers the reseller's rights to you

3. Any amount still owed to the builder becomes your responsibility going forward

How the home loan works

Here's a tip most buyers don't know, and it can really affect your loan amount:

• Private banks are usually willing to fund based on your latest MOU price, since that reflects the actual current transaction, even if the final sale deed hasn't happened yet.

• Government/PSU banks tend to look at the registration value instead. With major builders like Godrej, Prestige, Sobha, etc., the registration often happens at the original price the first buyer paid the builder, not the current MOU price. Since this older value doesn't reflect what you're actually paying, PSU banks are often hesitant to fund the full gap, and may not factor in the new price at all.

• So if the MOU price is meaningfully higher than the original agreement price, a private bank may get you a bigger loan than a government bank would, for the exact same property.

• Also, many banks hold back a portion of the loan (usually around 5-10%, depending on the bank) until construction is complete. This held-back amount is released to the seller only after registration happens, or after the title deed is deposited with the bank.

Documents you'll need

• The original Agreement of Sale between builder and reseller

• NOC from the builder allowing the resale

• The Tripartite Agreement (TPT)

• MOU between you and the reseller

• Proof of payments the reseller already made to the builder

• RERA registration for the project

• Encumbrance Certificate for last 10 years

Happy to answer any questions if you're going through this right now.

+91 9667992644

Www.credwisefinserv.com

Attention all prospective home buyers looking at **Trifecta Vento**: We have a very exciting home loan offer for this project.

Here's what we can offer on Trifecta Vanto:

- **Up to 90% funding** on the property

- **7.00%** interest for CIBIL 800+

- **7.15%** interest for CIBIL 750-799

- **Public sector bank

- **Zero processing fees**

- **OD facility available after handover

We've done several cases here, so legal and valuation clearances are usually quick. Rates and eligibility depend on your profile and the bank's approval.

Already have a home loan offer?

If we can beat it, we'll be happy to help you through the entire sanction process, start to finish, quickly.

+91 9667992644

Www.credwisefinserv.com

Sharing this for anyone in Bangalore sitting on a large home loan and wondering if they're overpaying interest.

Bank of Maharashtra is currently offering loan takeovers for 10Cr+ ticket sizes with the following terms:

- Interest rate: 7% (floating) [Special offer for rate]

- No processing/other charges for Home Loan Takeover

- Overdraft facility available

- Zero part-payment charges

- Zero prepayment charges

- Past CIBIL issues considered case-by-case (deviations possible)

-Top Up applicable based on eligibility

- Overdraft Facility available

The entire sanction process — end to end — will be assisted by Credwise, so you're not left navigating paperwork and bank coordination on your own.

If you're currently paying a higher rate with a private bank or NBFC, this could be worth a serious look — especially with no lock-in penalties on prepayment or part-payment, which is rare at this ticket size.

Happy to answer questions in the comments on eligibility, documentation, or how the takeover process typically works. DM if you want details on how to proceed.

+91 9667992644

Www.credwisefinserv.com

Special Home Loan Offer — Bangalore, Loans above ₹15 Cr (with woman co-applicant)

Sharing this for anyone in Bangalore looking at a high-value property purchase — there's a limited-period offer worth checking out if your loan requirement is above ₹15 Cr and you have a woman co-applicant on the loan.

This is the lowest home loan offer available at present and possible with Credwise only.

Key highlights:

- Interest rate: 6.9% (with a woman co-applicant)

- Zero foreclosure charges — no penalty if you want to prepay/close the loan early

- Online prepayment process — no branch visits needed for part-prepayments

- Applicable for both ready-to-move properties and takeover/balance-transfer loans in Bangalore

- Repo rate linked Home Loan

- Offer is with a Public Sector Bank

Happy to help if anyone wants to check eligibility or has questions.

+91 9667992644

Www.credwisefinserv.com

So many people think "unapproved property = no home loan." Not true, and it comes up constantly, so figured I'd clear it up.

What "pre-approved" actually means

"Pre-approved" just means the builder went to a bank ahead of time and got the project's papers checked, so buyers get faster processing there. That's it. Doesn't mean unapproved properties have legal issues or it will take more time — people just assume that.

Why "unapproved" isn't a dealbreaker

At Credwise, honestly most of the loans we do are for unapproved properties. Builder never tied up with a bank, so what? We just get the legal and technical check done ourselves with whichever bank makes sense. A bit more work, same result — loan gets sanctioned.

A recent win (7.3% → 7.15%)

A first time homebuyer came to us already sanctioned at 7.3% with a big private bank. Same loan amount, same CIBIL, we got him 7.15% with a PSU bank instead, plus free online prepayment, no forced insurance, zero foreclosure charges. Property wasn't pre-approved there, didn't matter, we handled the legal/technical ourselves and he got sanctioned and disbursed right on schedule.

---

Don't rule out a bank just because the builder hasn't "approved" it there. You could be leaving a better deal on the table for no real reason.

Happy to answer questions if anyone's dealing with something similar.

+91 9667992644

Www.credwisefinserv.com

Hello

Buying your first home? Choosing the right bank matters just as much as choosing the right property.

We at Credwise help you pick the bank that fits your profile — so you get the loan amount you actually need, a better rate of interest, and more flexible terms. Whether it's a ₹60 lakh property or a ₹5 Cr property, every purchase is different, and so are the terms that work best for you.

Here's what we help with:

• Home loans for first-time buyers — ready to move or under construction

• Balance transfer cases (move to a lower interest rate)

• Loan against property (LAP)

• Refinance — already bought the property from your own pocket? We can help you get a loan against it now.

---

How Credwise helps (Steps)

- Share your property details | We check your Project pre-approval and confirm Home Loan amount as per cost sheet to avoid last minute surprises

- Sharing best quotes from Atleast 3 banks as per requirement

- Make you aware about hidden fees, insurance requirement if any

- Documents collection over Google drive or mail

- Sharing In-principle sanction by next day to confirm rate and loan amount

- Our team follows up with banker for sanction process

- Final documents signed at home or branch

- Disbursement to builder

---

Home Loan Rates

• Upto 90% funding : 7% ownwards from public sector banks

• Assignment agreement cases

---

No question is too small. Drop your queries below — happy to help. 🙌

+91 9667992644

Www.credwisefinserv.com

Hey. Your home loan advisor from CredWise is back with another financial byte.

Today, we are looking at best offers, available in September-2026 with major Indian banks.

1. Bank of Maharashtra - Upto 90% Funding(Under-Construction & Resale)- Roi 7.0% ownwards. OD facility is available.

2. Central Bank of India: 75%-% funding (Under-Construction + Resale) + Renovation amount 15% extra: 7.0 % ownwards

3. Canara Bank: 75% funding (Under-Construction + Resale) + 15% more as renovation : 7.15% ownwards

4. Bank Of India : upto 90% funding (Under-Construction + Resale) : 7.10% ownwards. OD available but active after handover

5. Bank Of Baroda: Upto 75% funding : 7.20% ownwards. Good roi discount for homebuyers. OD facility available from Day 1.

6. HDFC Bank: 85%-90% loan on property value (Under-Construction +Resale) :7.20% onwards

7. ICICI Bank : 80% funding (Under-Construction +, Resale) : 7.30% ownwards. OD facility available for underconstruction

8. HSBC bank: 80% funding (Select listed Underconstruction +Resale). Good offers available for transactions above 3CR. Very good for NRIs and HNIs. Other borrower benefits. Dedicated team to Handle transactions above 15cr.

Note: The processing fees varies across all Bank. Watch out for good offers from this quarter in all banks.

These are some of the leading top government and private banks with their current offerings. Each bank has its own unique offers and conditions.

With right guidance, you can qualify for lowest offers as per your profile and find a home loan product that suits you.

We work by finding right banks by analyzing your financial profile and requirement with following benefits for you:

✅ Doorstep Documentation pickup/digital process

✅ Multiple branch visits to bank not required

✅ Zero extra fees

Share With A Friend Who Is Home Hunting In Bangalore!!

Project already processed/under process for Home Loan :

✅ DSR The Address

✅ Svamitva SoulSpring

✅ Brigade Valencia

✅ Brigade Avalon

✅ Godrej Vanantara

✅ Adarsh Parkland Phase 1 & 2

✅ Trifecta Vanto

✅ DSR The Courtyard, Gunjur

✅ Sobha Sentosa

✅ Adarsh Park Heights Phase 2

✅ Amogaya Adorit & etc.

DM WhatsApp : +919667992644 for 1:1 consultation

www.credwisefinserv.com

Sharing this for anyone in Bangalore sitting on a large home loan and wondering if they're overpaying interest.

Bank of Maharashtra is currently offering loan takeovers for 10Cr+ ticket sizes with the following terms:

• Interest rate: 7% (floating)

• No processing/other charges for Home Loan Takeover

• Overdraft facility available

• Zero part-payment charges

• Zero prepayment charges

• Past CIBIL issues considered case-by-case (deviations possible)

-Top Up applicable based on eligibility

• Overdraft Facility available

The entire sanction process — end to end — will be assisted by Credwise, so you're not left navigating paperwork and bank coordination on your own.

If you're currently paying a higher rate with a private bank or NBFC, this could be worth a serious look — especially with no lock-in penalties on prepayment or part-payment, which is rare at this ticket size.

Happy to answer questions in the comments on eligibility, documentation, or how the takeover process typically works. DM if you want details on how to proceed.

+91 9667992644

Www.credwisefinserv.com