SUM8 Services

Ashtamaya- The Sum of Trust

BMR Enclave, Kudlugate, Bangalore, Karnataka,IN

admin@sum8.in

Make Your Dream Home a Reality

Affordable home loans with low interest rates, quick approval and flexible EMI options tailored for your family’s future.

✔ Loan up to ₹5 Crore
✔ Minimal Documentation
✔ Quick Approval
✔ Interest Rates starting from 8.35%*

Our Trusted Banking Partners

Get Instant Home Loan up to ₹2 Crore — Quick Approval & Lowest EMIs

Easy process, minimal documentation, and attractive interest rates starting at just 8.35% p.a.

✔ Minimal Documentation

✔ Quick Loan Approval

✔ EMI as per your convenience

Get Your Loan Now!

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Find Best Home Loan Offers

100% Digital Process* Quick Disbursal

Max. Loan Amt. ₹1cr +

Rate of Interest 7.9% p.a onwards/span>

Tenure upto 1-7 Years

Processing Fee upto 2%

100% Digital Process* Quick Disbursal

Max. Loan Amt. Upto ₹2cr

Rate of Interest 7.65% p.a onwards

Tenure upto 1-7 Years

Processing Fee Upto 2%

Low Processing fee

Max. Loan Amt. ₹2cr+

Rate of Interest Starting From 8.1%

Tenure upto 1-7 Years

Processing Fee Upto 2%

Max Loan Amount 100% Digital Process

Max Loan ₹2cr +

ROI Starting from 8.8%

Tenure 1-7 Years

Processing Fee Upto 3%

Lowest Income requirement Quick Disbursal

Max Loan ₹1cr +

ROI 7.5 % p.a onwards/span>

Tenure 1-7 Years

Processing Fee up to 2%

Lowest Income requirement 100% Digital Process*

Max Loan ₹2cr +

ROI Starting From 7.7%

Tenure 1-8 Years

Processing Fee Upto 2%

100% Digital Process Quick Disbursal No Hidden Charges

Max Loan ₹2cr +

ROI 8.5% p.a. onwards

Tenure 1-8 Years

Processing Fee upto 2%

Secured Business Loan Minimum Document Quick Processing

Max Loan ₹2cr

ROI 8.8% onwards

Tenure 1-10 Years

Processing Fee Up to 2%

Lowest Income requirement Quick Disbursal

Max Loan ₹2Cr +

ROI 7.3% onwards

Tenure 1-8 Years

Processing Fee upto 2%

Lowest Income requirement Quick Disbursal

Max Loan ₹1cr +

ROI Starting from 8%

Tenure 1-7 Years

Processing Fee Upto 3%

100% Digital Process Quick Disbursal

Max Loan ₹2Cr +

ROI Starting from 7.7%

Tenure 1-7 Years

Processing Fee Up to 2%

100% Digital Process Quick Disbursal

Max Loan ₹2Cr +

ROI Starting from 8.2%

Tenure 1-7 Years

Processing Fee Up to 2%

100% Digital Process Quick Disbursal

Max Loan ₹2Cr +

ROI Starting from 8.2%

Tenure 1-7 Years

Processing Fee Up to 2%

Calculate Your EMI

Loan Amount

₹

₹1,00,000₹2,00,00,000

Loan Tenure

Years Months

yrs

1 year10 years

Interest Rate

%

7% p.a.30% p.a.

Monthly EMI

₹ 0

Principal ₹ 0

Interest ₹ 0

Total ₹ 0

● Principal ● Interest

Repayment Schedule

Month	EMI	Principal	Interest	Balance

Why Choose Our Home Loan?

Make your dream home a reality with affordable interest rates, long repayment tenures, and a smooth, transparent home loan process.

Quick Approval Process

Get faster home loan approvals through a streamlined digital process, reducing wait times and ensuring timely disbursal.

Safe & Transparent

Bank-grade security and complete transparency in interest rates, charges, and loan terms.

Low Interest Rates

Enjoy competitive home loan interest rates designed to keep your EMIs affordable over the long term.

Long & Flexible Tenure

Choose repayment tenures of up to 30 years, giving you financial comfort and flexibility.

Minimal Documentation

Simple documentation and a fully digital application process ensure a smooth home loan journey.

Property-Based Financing

Home loans are secured against property, helping you access higher loan amounts at lower interest rates.

Home Loan Eligibility & Documents Required

For Salaried Individuals

✔ Age: 21 to 60 years
✔ Minimum monthly income: ₹25,000
✔ Minimum 1 year total work experience
✔ Minimum 6 months in current job
✔ Credit Score: 730+ preferred

For Self-Employed

✔ Age: 25 to 65 years
✔ Minimum annual income: ₹3,00,000
✔ Business vintage: Minimum 3 years
✔ ITR for last 2 years required
✔ Credit Score: 730+ preferred
✔ Consistent business turnover records

Documents Required

✔ Aadhaar Card & PAN Card
✔ Latest 6 months Bank Statements
✔ Salary Slips (Salaried) / ITR 2 years (Self-employed)
✔ Address Proof (Utility Bill / Rental Agreement)
✔ Property Agreement / Title Deed
✔ Passport-size Photograph
✔ Employment Proof / Business Proof
✔ Additional documents if required by lender

Benefits of Home Loan

Enjoy exclusive advantages that make your home-buying journey smoother and more affordable.

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Affordable Interest Rates

Get competitive interest rates starting from 8.35%* with flexible repayment options.

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Quick Loan Approval

Fast processing and approval with minimal documentation required.

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Flexible EMI Plans

Choose an EMI plan that suits your budget with tenure up to 30 years.

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Tax Benefits

Enjoy tax deductions on principal and interest repayments under Sections 80C & 24.

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Balance Transfer

Shift your existing home loan to lower interest rates and reduce EMI burden.

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Co-Applicant Advantage

Add a co-applicant to increase your loan eligibility and maximize benefits.

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Easy Prepayment Options

Reduce loan burden early with hassle-free part prepayment & low foreclosure charges.

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High Loan Eligibility

Get loan up to ₹5 crore depending on your income, property value & credit profile.

Key Highlights of Home Loan

Finance your dream home with loans for purchase, construction, renovation, or extension of residential property.
Get high loan eligibility based on your income, repayment capacity, credit score, and property value.
Home loan amount is assessed through a combination of income analysis and property evaluation, ensuring affordable EMIs.
Enjoy competitive interest rates depending on loan amount, applicant profile, property type, and lender policy.
Benefit from a long and flexible repayment tenure of up to 30 years, helping you manage EMIs comfortably.
The property purchased or constructed serves as primary collateral, ensuring lower interest rates and better terms.
Avail tax benefits on principal and interest payments as per applicable Income Tax laws.
Transparent charges with processing fees usually capped at up to 3.5% of the loan amount.
Prepayment and foreclosure charges range from 0% to 6%, depending on the lender and loan type.
Simple application process with minimal documentation and faster approvals through leading banks and NBFCs.

Key Features & Benefits of a Home Loan

Securing a home loan is more than just borrowing money; it is a strategic financial move toward building your future. Here is why our home loan solutions stand out:

Financial Flexibility & Affordability: We offer extended tenures up to 30 years to ensure affordable EMIs. Benefit from competitive interest rates starting at 8.25% p.a., with exclusive interest concessions for women applicants and a choice between Fixed, Floating, or Hybrid interest regimes.
High Value, Low Barrier: Access substantial funding of up to ₹5 Crores or more for purchases, construction, or renovations. Preserve your liquidity for capital appreciation and enjoy repayment holidays or "interest-only" periods for under-construction properties.
Smart Tax Savings: Maximize your wealth with deductions under the Old Tax Regime. Claim up to ₹1.5 Lakh on Principal (Section 80C) and up to ₹2 Lakh on Interest (Section 24(b)) annually.
Borrower-Centric Freedom: Enjoy Zero Prepayment Penalties on floating-rate loans. Our services include seamless Balance Transfers, Top-Up loans for immediate needs, and versatile structures like Overdraft facilities to save on interest.

Comparison at a Glance

Feature	Home Loan	Personal Loan
Typical Interest Rate	~8.25% onwards	~10.50% onwards
Max Tenure	Up to 30 Years	Up to 5–7 Years
Tax Benefits	Significant (80C, 24b)	None
Purpose	Asset Creation	Consumption

Types of Home Loan

Explore the different types of home loans available to suit your housing needs:

Home Purchase Loan: Designed for buying ready-to-move-in, under-construction, or resale residential properties such as apartments, villas, or independent houses.
Home Construction Loan: Ideal for individuals who own a residential plot and wish to construct a house based on approved plans and local authority permissions.
Plot Purchase Loan: Helps finance the purchase of residential land or plots, with the option to build a home within a specified time period as per lender guidelines.
Home Renovation Loan: Suitable for renovating, repairing, or upgrading an existing house, including structural improvements and modern enhancements.
Home Extension Loan: Enables existing homeowners to expand their living space by adding extra rooms, floors, or extensions to accommodate growing family needs.
Home Loan Balance Transfer: Allows borrowers to transfer their existing home loan to another lender for better interest rates, lower EMIs, or improved loan terms.
Top-Up Home Loan: An additional loan over your existing home loan that can be used for personal expenses, home improvement, or other financial requirements.
Overdraft / Flexi Home Loan: Offers flexibility to deposit surplus funds and withdraw when required, helping reduce interest burden while maintaining liquidity.

Factors to Consider Before Taking a Home Loan

Compare home loan options from multiple banks and NBFCs to find the best interest rates, features, and repayment terms.
Evaluate the total cost of the loan, including interest rate, processing fees, and other charges, to ensure overall affordability.
Check your home loan eligibility in advance using an eligibility calculator to avoid rejection and delays.
Keep all required documents ready, such as KYC, income proof, bank statements, and property papers, for a smoother application process.
Choose an EMI amount that fits comfortably within your budget. Ideally, EMIs should not exceed 40–45% of your monthly income.
Make a higher down payment if possible to reduce your loan amount, EMIs, and total interest burden.
Select the right loan tenure. While longer tenures lower EMIs, shorter tenures help reduce the overall interest cost.
Maintain a stable financial discipline and plan your expenses carefully, as home loan EMIs are long-term commitments.
Ensure you have a good credit (CIBIL) score by paying credit card bills and existing loan EMIs on time to improve approval chances.
Adding a co-applicant with stable income can improve loan eligibility, reduce interest rates, and increase approval chances.
Understand the prepayment and foreclosure terms of the lender to stay prepared for future loan closure or early repayment.
Carefully read the loan agreement and terms & conditions before signing to avoid hidden clauses or surprises later.

Frequently Asked Questions

01

Why should I choose your home loan services?

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We offer competitive interest rates, fast approvals, minimal documentation, and personalized guidance at every step. Our customer-first approach ensures a smooth and stress-free home loan experience.

02

How much home loan can I get approved for?

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You can get a home loan covering up to 90% of the property value, depending on your income, credit score, and repayment capacity. Use our EMI calculator to instantly estimate your eligibility.

03

How fast can my home loan be approved?

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With our streamlined process and strong lender partnerships, approvals can be completed in as little as 24–48 hours after document verification.

04

Do I need a perfect credit score to get a home loan?

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While a higher credit score helps secure better interest rates, we also assist applicants with average scores by matching them with suitable lenders and flexible loan options.

05

Can I get tax benefits on my home loan?

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Yes. Home loan borrowers can enjoy attractive tax benefits on principal repayment and interest paid under applicable sections of the Income Tax Act, helping you save more every year.

06

Is part-payment or foreclosure allowed?

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Absolutely. Most floating-rate home loans allow part-payment and foreclosure with zero or minimal charges, helping you reduce interest and close your loan faster.

07

How do I apply for a home loan with you?

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Applying is quick and simple. Fill out our online application, upload basic documents, and our loan experts will guide you through approval, verification, and disbursal — all at no extra cost.

08

Can self-employed individuals apply for a Home Loan?

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Yes. Self-employed professionals and business owners can apply for home loans by submitting ITRs, financial statements, and bank statements that show stable income and repayment capacity.

Ready to Get Your Home Loan?

Join thousands of satisfied customers who got instant approval and quick disbursal

Apply Now - It's Free!

— CONTACT US —

Don’t Bother Yourself with Loan Queries!

Talk to our experts for any assistance.

SUM8 Services provides reliable loan advisory & financial assistance. Reach out to us anytime for queries related to Personal Loans, Business Loans, or Instant Credit solutions.

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Phone Number

+91 9345678900

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Email

admin@sum8.in

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Address

BMR Enclave, Kudlugate, Bangalore, Karnataka

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Working Hours

Mon – Sat: 10 AM – 7 PM