WishON Finserv Solutions
Home Loan
Purchase, construction, and balance-transfer on ready or under-construction homes. Tickets typically ₹15–20 crore depending on lender and property. Home loans are the desk we file with nationalised banks. Housing finance companies sit beside them. Rate from 7.25% p.a.
- Eligibility from partner banks and NBFCs
- Indicative rates from 7.25% p.a.
- Official CIBIL report — free once a year on cibil.com
State Bank of India
Punjab National Bank
Bank of Baroda
Canara Bank
Union Bank of India
Bank of India
Who it suits
- Salaried
- Government employees
- Self-employed
- NRI (select lenders)
Documents
- KYC and PAN
- 6-month bank statement
- Salary slips / ITR of 2 years
- Property papers
On this product
- Tickets typically ₹15–20 crore, depending on lender, property, and profile.
- Rate from 7.25% p.a., depending on customer profile.
- Nationalised banks are used on this desk. Personal loans are not filed with PSU banks.
- LTV typically 75–90% depending on ticket size.
- Women co-applicants often receive a small rate concession at PSU banks.
- Indicative rate
- 7.25% – 9.60% p.a.
- Amount
- ₹10 L – ₹20 Cr
- Tenure
- Up to 25 years
- Sourcing fee
- ₹0 from the applicant
Lending partners
Full legal names and marks for identification. WishON originates. The institution sanctions, prices, and disburses.
State Bank of India
Punjab National Bank
Bank of Baroda
Canara Bank
Union Bank of India
Bank of India
Indian Bank
Bank of Maharashtra
Central Bank of India
Indian Overseas Bank
LIC Housing Finance Limited
PNB Housing Finance Limited
Indicative EMI
Priced at the floor rate for Home Loan. Your offer will move with bureau, FOIR, and the lender.
Home Loan: every year from 1 to 25. Subject to lender and age at maturity.
Type with a point — 9.99, 11.50, 14. Type it; do not use 999. Floor for this product is 7.25% p.a.
₹75,000 and above: FOIR / DBR generally 70–75%, bank to bank. You may type a figure inside the band (60.5 is allowed).
- ₹20,000 – ₹35,000: 50%
- ₹35,000 – ₹50,000: 55%
- ₹50,000 – ₹75,000: 60–65%
- ₹75,000 – ₹1 lakh & above: 70–75%
Sum of EMIs already due — housing, auto, personal, cards minimum due if revolving. Deducted from FOIR before a new loan.