Home loans, smooth as velvet
BuyingaflatorbuildingyourhomeinBangalore?
Velvet Finances is associated with all leading banks — compare offers, get the lowest rate, and fast approval. One advisor, no runaround.
- ✓Associated with all leading banks
- ✓Approval in as little as 48 hours*
- ✓Loans ₹10L – ₹50Cr
*Subject to document verification and lender policy.
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Your loan
Check Your Eligibility — Free
0+
Bangalore families helped
All
Leading banks & NBFCs
0 hrs*
Average approval time
₹10L–50Cr
Loan range
Why Velvet
Local Expertise. Honest Advice. Faster Approvals.
Velvet Finances is an authorised DSA (Direct Selling Agent) — not a bank. We're associated with all leading banks, so we find you the right loan and stay with you right through disbursal.
Local Know-How
We understand Bangalore's micro-markets, RERA approvals, and BBMP/BDA khata types — and which lenders move fastest for which localities.
Associated With All Leading Banks
No single-lender bias — we compare offers across every major bank so you get the best rate, not just the first one.
Transparent, No-Surprise Pricing
Clear breakup of interest rate, processing fee, and charges upfront. No hidden costs, no last-minute surprises.
End-to-End Support
From document checklist to legal & technical verification to disbursal — one point of contact throughout.
What we finance
Loans to Buy Your Flat or Build Your Home
Flat / Apartment Purchase Loan
Finance for ready-to-move-in or under-construction apartments across Bangalore — new bookings and resale. Loans up to 90% of property value.
Home Construction Loan
Own a plot and planning to build? Get financing for constructing your independent house or villa, disbursed in stages as construction progresses.
Try it yourself
Slide to see your EMI
Drag the sliders — the number updates instantly. This is a quick estimate; your exact offer depends on the bank and your profile.
Total interest
₹44.1L
Total payable
₹94.1L
Principal
53%
Estimated monthly EMI
₹39,216
from 7.15% p.a.*
*Indicative only. Actual rate and EMI depend on lender policy and your credit profile.
How it works
A Straightforward, 4-Step Process
Apply Online
Share basic details — loan type, amount, and locality. Takes under a minute.
Document Pickup & Verification
Our team collects documents and coordinates verification, digitally or in person.
Offer Comparison
We present offers from multiple banks side-by-side so you pick the best rate.
Disbursal
Legal & technical checks complete, and the loan is disbursed to the seller/builder.
Who can apply
Simple Eligibility. Minimal Paperwork.
Salaried professionals (21–60) and self-employed individuals/business owners (25–65) can apply, with co-applicants welcome to boost eligibility and loan amount.
Salaried Applicants
Age 21–60- ✓PAN & Aadhaar
- ✓Last 3 months' salary slips
- ✓Form 16 / last 2 years' ITR
- ✓Bank statements (6 months)
Self-Employed Applicants
Age 25–65- ✓PAN & Aadhaar
- ✓Last 2 years' ITR & financials
- ✓Business proof (GST/registration)
- ✓Bank statements (12 months)
A dedicated advisor will confirm your exact document list once you share your loan type.
Answers
Home Loan Questions, Answered
Generally, lenders offer loans where the EMI doesn't exceed 40–50% of your monthly income, subject to existing obligations. Talk to an advisor for an exact figure.
Last step
Let's Get You Home
Whether you're buying your first flat or building your dream home — our Bangalore-based advisors are ready to help, at no cost to you.
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Your loan