Alphazee offers a variety of features and a range of options flexible enough to fit your home finance needs. We can help you choose finance that is right for you if you:

Home Loans

Adjustable Interest Rate Home Loans

Alphazee Home Loans offer you simple ways to pay for that house you’ve been saving up for along with the flexibility of tenure, amount and payment options. Upgrading to a more spacious home is easier than ever before and the speed of Alphazee Home Finance ensures you move without a hitch. Finally you can own the home you always wanted

Why Alphazee Home Loans?

If you are currently paying rent for a house, you can take a Home loan to use the amount of rent to create an asset for yourself. You might want to consider taking a Home Loan so that you can:

Get Income tax benefits
With a Home Loan, you are eligible for certain tax benefits on principal (Sec 88) and interest (Sec 24) components of the loan under the Income Tax Act, 1961.Even if your installment is more than what you pay for rent, the potential overall tax savings can make owning less expensive than renting.

Acquire an asset which can appreciate
Unlike some of the other assets like cars and other durables, a house does not generally depreciate in value. While there are no guarantees that your home will appreciate in value, it's true that real estate can be a good investment over the long haul. Depending on market conditions and how long you own your home, you could very well make a profit.

Build equity
As you pay down a Home-Loan, you build equity, or value, in your home. Like jewellery, your home can make money available to you whenever you need it. You can use the value of your home to secure a home equity loan for a wide variety of things, from a college education to a holiday for you and your Family.

Get Pre-approved

You can get a sanction for your loan amount based on the income, assets and employment information you provide during your consultation with Kotak Mahindra Bank. You may come across a property which you need to close at a short notice. In such a situation, this sanction can help so that you don’t miss the opportunity. Finding a good home is not easy, so the sanction is good for 6 months, giving you time to shop for the home of your choice.

Home LoansTransfer

Alphazee Home Loan Transfer offers you the same home on better terms to suit your needs. You may not have got the benefit of the reducing interest rates scenario. You might have bought your home when the rates were higher and would like to obtain different terms. In these cases a Kotak Home Loan Transfer would be ideal.

What is Alphazee Home Loan Transfer?

Home Loan Transfer is taking a home loan to pay off the existing home loan(s). Future payments are made to Kotak Mahindra Bank. Typically, the choice to transfer is made when interest rates are lower than the original loan. A Top-up over the existing Loan can provide you ready cash for any of your needs.

Why Alphazee Home Loan Transfer?

• You are trying to reduce your interest rate and lower your payments.
• You are trying to reduce your home loan term to pay off your loan faster.
• You want to use the equity in your house to get money for any of your needs. You can take a top-up over the existing loan to get the much needed cash to fulfill your needs.
  

Alphazee Home Loan Transfer is based on your convenience. The procedure of acquiring the loan is made easy, and the amount payable for your installments are designed to make you feel comfortable. The terms of the loans are as per your unique requirements.

Loans Against Property

LAP is a loan given against the security of your existing property. The Benefit is that interest Rates on LAP are generally lower than rates on other consumer/personal loans.

One can use this loan for a variety of purposes, like Funding existing business#, Debt Consolidation#, Emergencies, Education etc.

Alphazee LAP provides the advantage of High eligibility for Businessmen#
Free personal Accident Insurance
Loans amounts ranging from Rs.10 lacs to Rs.3 Crore!
Loans against Residential as well as Commercial Properties

Home Improvement Loans

With Alphazee Home Improvement Loans, you can now borrow against your existing home to decorate, paint, renovate, furnish, extend or simply change the way your home looks.

You can use the Alphazee Home Improvement Loan to build up equity in your home by making improvements in the Property.