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Get a loan

  • Introduction  

    We don’t just fund houses, we help build homes

    Getting you a home is our aim. We provide loans to salaried and self-employed individuals for the purchase of ready/under construction residential property. Our simple and hassle-free process, quick loan approvals, and service, will make your housing loans experience a great one. With Clix you enjoy:

    • Loans up to Rs. 50 Lacs
    • Long tenure loans up to 25 years
    • Option of floating and dual rate of interest
    • Simplified documentation
  • Eligibility 

    You’re definitely eligible to get a home loan with us if you are:

    • Over 18 years when applying for the loan and under 65 years at the end of the loan tenure
    • A salaried employee or self-employed individual
  • Documents Required 

    We just need a few documents to make sure your application is processed smoothly:

    • Completed application form
    • A recent passport-size photograph
    • Identity (ID) Proof:  Any one of these ID proof - Aadhaar card, Passport, Voter’s ID, Ration Card, Driving License, PAN card or Government ID (for government employees)
    • Address proof: Any of the above ID proofs or your last 2 months’ utility bills

    Income Proof

    • For Salaried Individuals:
    • Address proof: Any of the above ID proofs or your last 2 months’ utility bills
    • Latest Form 16
    • Updated Bank Statements showing salary and saving entries for the last 6 months

    For Self-Employed:

    • Business profile: A note with information on the nature of the business/profession, form of organization, clients, suppliers, etc.
    • Latest 6 months’ bank statement
    • Last 3 years Income Tax Returns and financials including balance sheets, profit/loss accounts of the business/profession along with Schedules

    Property documents, if property has been identified

    *It is important to note that while only scans or photocopies of your documents are required while applying for a loan, we advise you to carry original documents in case of verification. Approving the loan application is at the sole discretion of Clix; we may seek any further documents as deemed necessary to assess the loan application better.
  • Frequently Asked Questions 

    How do I avail home loan from Clix?

    We’re glad you liked us!Click here [MB2] to avail our home loan now.

    What will be the tenure, down-payment, EMI and interest rate for my loan?

    With our simplified loan experience, you can choose from our multiple combinations of down payment and EMIs. You can also customize repayment schedule over a period of 25 years. The interest rate, however, will depend on a lot of factors including your application, age, income, etc. We will be able to inform you the final applicable interest rate only after we have assessed your completed application form and supporting documents.

    What are the different types of home loans offered by Clix?

    We are all about making your housing-related dream come true. Here are a few types of housing-related loans we offer:

    1. Home Loan: This means finance to purchase ready or under-construction residential property.
    2. Home improvement/extension loan: With this loan, you can finance the renovation (flooring, roofing, plastering, painting, plumbing electrical, etc) or extension (construction of new floor or rooms within permissible building plan) of your existing property.
    3. Loan against property (commercial or residential): You can get this loan by mortgaging a residential/commercial property.
    4. Balance transfer and top-up: If we’ve given you enough reason to like us, you may transfer, and optionally top-up, your existing loan from any other housing finance company or banks.

      What is an EMI?

      You repay a loan in Equated Monthly Installments (EMIs) comprising principal and interest. This form of repayment commences from the month after you get a full disbursement.

      What is Pre EMI?

      Pre EMI is the interest paid on the loan amount availed in part before the start of the actual EMI. This generally occurs in self construction or construction stage linked/partly disbursed cases. The EMI does not start until the loan is disbursed in full and hence, interest is charged on partially disbursed loan amount.

      What is an amortization schedule?

      An amortization schedule is a table with details on how your loan amount is being repaid along with the division between principal and interest charged in each monthly installment. The amortization schedule gives the break-up of every EMI towards repayment interest and outstanding principal of your loan.

      What governs my home loan repayment?

      Loan Repayment is through NACH Debit Mandate.

      What are the types of interest rates offered?

      There are two ways in which interest rates can be determined:

    a) Floating rate of interest

    b) Fixed rate of interest for the first 2 to 3 years, followed by a floating rate.

    How can I reach Clix for any other information on my loan?

    We’ll be happy to help you. You can reach out to us by:

    How can I reach out to Clix for any other information on my two-wheeler loan?

    Calling us at 0124-4545965,0124-3817400 between 9:30am-6:30pm from Monday to Saturday (except public holidays)

    Writing to us at - hello@clix.capital

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