Build Your Dream Home from the Ground Up with Composite Loans
Planning to purchase a plot and build your dream home in one go? Finlane Capital Services helps you get hassle-free Composite Loans, a unique solution that finances both plot purchase and house construction under a single loan. This type of loan offers flexibility, lower interest rates compared to two separate loans, and streamlined disbursement aligned with your construction milestones.
At Finalane Capital Services, we work with top banks and NBFCs to provide you with customized Composite Loan options. From legal verification of the plot to approvals for construction stages, our team ensures end-to-end assistance with faster loan approvals, technical evaluation, and stress-free documentation. Build your dream home without financial delays or hidden costs.
Loan Process for Composite Loans
01Initial Consultation
We understand your land and construction plan, location, and cost estimates.
02 Eligibility Check & Lender Matching
We assess your income, CIBIL score, and budget to match with top lenders.
03Site & Construction Plan Verification
Lenders verify property legal documents and construction layout approval.
04 Sanction & Agreement
Loan is sanctioned for the total cost — disbursed in stages (plot first, then construction).
05 Disbursement in Phases
Disbursement happens as per construction progress and engineer’s certification.
Documents Checklist - Personal & Financial Documents
- KYC Documents: PAN Card, Aadhaar Card, Voter ID, or Passport
- Address Proof: Utility bill / Rent agreement / Passport / Aadhaar
- Income Proof (Salried: Salaried: Last 3 months Salary Slips, Form 16, Self-Employed: ITR (2–3 years), Business Proof, Financial Statements)
- Bank Statement (Last 6–12 months)
- Passport-size Photographs
Documents Checklist -
Property & Construction Documents
- Sale Agreement of Plot
- Khata/RTC/E-Khata
- Tax Paid Receipts of Plot
- Layout Approval Plan
- Building Plan Sanction Copy (From local authority)
- Cost Estimate from Engineer/Architect
- Encumbrance Certificate
- Construction Schedule with Stages