Question 1

What is a home loan?

Accepted Answer

A secured loan from a bank or NBFC to purchase, construct, or renovate a home. Nivāsa Finance is an intermediary — we connect you with RBI-authorised partner lenders for loans from ₹5–35 lakh.

Question 2

Can I qualify with a ₹30,000 salary?

Accepted Answer

Yes. We support salaried, business, agriculture, and labour incomes. A ₹30,000 monthly income may qualify depending on loan amount and tenure.

Question 3

Who is eligible for a home loan?

Accepted Answer

Salaried employees, self-employed, business owners, farmers, and homemakers may be eligible. We match diverse income profiles with the right RBI-authorised partner lender.

Question 4

Does Nivāsa Finance charge commission?

Accepted Answer

No. Zero-commission policy. Advisory and doorstep services are completely free. We are compensated by our partner lenders, not by you.

Question 5

What is the maximum loan tenure?

Accepted Answer

Up to 20 years through our RBI-authorised partner Banks, NBFCs, and HFCs. Final tenure is at the lender's discretion.