Eligibility
FOIR Explained
Understand how banks compute fixed obligations to income ratio and what improves it.
Delhi NCR • Multi-bank guidance • Advice-first
Home Loan Expert. Complete Financial Guidance.
15+ Years in Home Loans | 20+ Years in Financial Products. Transparent, bank-ready guidance for your next decision.
- Zero push. Advice mapped to your repayment comfort.
- Documentation coaching to reduce back-and-forth.
- Multi-bank comparisons with fee and rate clarity.
- Post-disbursement check-ins for rate resets & BT.
Arun Singh
Home Loan & Financial Consultant
15+ yrs
Home Loans
20+ yrs
Financial Products
Banks
Shortlisted for you
Advice-first
Zero push
Multi-bank comparison
Transparent rate + fee grid before you decide.
End-to-end support
From documentation to disbursement and beyond.
Advice-first approach
Recommendations mapped to your repayment comfort.
Post-disbursement care
Balance transfers, top-ups, and proactive check-ins.
Services
Bank-ready, advice-first solutions across loans, investments, and protection.
Curated to your repayment comfort, property stage, and life goals.
Loan Solutions
- Home Loan with eligibility coaching
- Balance Transfer & Top-Up to reduce outflow
- Loan Against Property, Personal, Car, Business
- Bank negotiations & documentation curation
Investments & Wealth
- Mutual fund shortlisting by goals and risk
- Long-term planning with rebalancing cadence
- Guidance to read statements & market moves
- Aligned with loan timelines to avoid surprises
Insurance & Protection
- Life cover sizing by liabilities and goals
- Health plans mapped to hospital access
- General insurance for assets and business
- Clear view on premiums vs. coverage gaps
Kids & Family Tools
- Education planning with realistic inflators
- Goal tracking templates you can reuse
- Family protection review without jargon
- Simple calculators for future milestones
Process
How it works
Simple, accountable steps with proactive follow-ups.
1
Share details
Quick form or WhatsApp. Income, city, property stage, and comfort range.
2
Eligibility + bank shortlist
Cross-check FOIR, credit patterns, and provide 3-4 bank options with reasoning.
3
Documentation + login
Curated document pack, application filing, and proactive underwriting follow-ups.
4
Approval → disbursement → follow-up
Coordinate legal/technical, disbursement plan, and post-sanction check-ins.
Testimonials
Clients across Delhi NCR
Stories focused on solving problems, not selling products.
Rohit Mehra
Noida
Need: Needed home loan with existing business loan and variable income.
Approach: Mapped bank options to cash-flow pattern, packaged docs, and clarified credit narrative.
Result: Approval in 6 days with stepped-up EMI structure that stayed within comfort range.
Shalini Gupta
Delhi
Need: High outstanding rate; wanted balance transfer without heavy fees.
Approach: Compared BT offers, negotiated processing fee waiver, and coordinated property valuation.
Result: Shifted to lower rate, reduced EMI by 12%, and set reminders for future rate resets.
Ankit Verma
Ghaziabad
Need: First-time buyer; unclear on eligibility and required documents.
Approach: Explained FOIR, organized salary proofs, and aligned builder payment schedule with bank.
Result: Smooth approval with timely part-disbursements; guidance continued after possession.
Resources
Learn the essentials before you decide
Short, practical explainers. No logins needed.
Read more →
Credit Hygiene
Common Rejection Reasons
From bureau issues to property gaps—what to fix before you apply.
Smart Moves
Balance Transfer Checklist
Fees, MOD, insurance, and timing your switch to actually save.
Documentation
Income Types & Proofs
Salaried vs. self-employed documentation that keeps underwriting smooth.
Planning
Down Payment Planning
How much to park upfront without straining liquidity for emergencies.
After Disbursement
Rate Reset Playbook
When and how to negotiate rate cuts or shift to another bank.
Cash Flow
Top-Up vs. Personal Loan
Choose the right product for renovations or consolidating liabilities.
Due Diligence
Property Verification Basics
Technical and legal checks to avoid surprises at disbursement stage.
FAQ
Answers to common questions
If you have a unique scenario, message me and I'll map it to the right bank.
What documents do I need for a home loan?→
Typically: KYC, income proofs (salary slips/ITR), bank statements, property documents, builder-buyer agreement, and employment/business continuity proofs. I share a curated checklist per case.
How long does approval take?→
Salaried: 3-7 working days once documents are complete. Self-employed: 7-12 days depending on financials and property stage. I coordinate underwriting follow-ups to keep it moving.
Will a lower credit score stop my loan?→
Not always. We map to banks that handle your profile type, align bureau explanations, and fix quick wins before login to avoid surprises.
Can I do a balance transfer later?→
Yes. After 6-12 EMIs, we can review your rate, remaining tenure, and costs to see if a transfer or internal rate reset saves meaningfully.
How do you handle self-employed cases?→
We position business stability, cash-flows, and GST/ITR data upfront. Bank choice depends on industry type, margins, and repayment comfort.
What charges should I plan for?→
Processing fees, valuation/legal, insurance (if chosen), MOD/registration where applicable, and any rate conversion charges. I present a transparent fee grid before you commit.
Contact
Tell me about your requirement
Share the basics and I'll respond with bank options, timelines, and next steps.
Other ways
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Working hours: 9:30 AM – 7:30 PM (Mon–Sat)
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Location: Delhi NCR
Clarity first call
In the first 10 minutes we will map eligibility, shortlist banks, and outline documentation to avoid surprises.