Owning a home is a dream for many, and with a doctor’s home loan, it becomes easier for medical professionals to achieve it. Designed exclusively for doctors, this specialised loan offers attractive terms, competitive interest rates, and flexible repayment tenures. Both salaried and self-employed practitioners can benefit from a doctor housing loan in India.

What Is a Doctor Home Loan?

A doctor’s home loan is a specialised financial product designed to help practising medical professionals purchase or construct a residential property. Based on eligibility and other factors such as property value, applying for a home loan for doctors is a convenient and hassle-free process.

Key Benefits of Home Loan for Doctors

A home loan for doctors comes with several exclusive advantages that make financing your dream home simpler and more cost-effective.

• Competitive home loan interest rates that help reduce overall borrowing costs.
  
• A high loan-to-value (LTV) ratio of up to 90%* of the property’s market value.
  
• Simplified documentation under the doctor home loan program.
  
• Flexible repayment tenures of up to 30 years* on the doctor's house loan.
  
• Access to online tools such as the home loan EMI calculator to plan your repayments effectively.

Eligibility Criteria for Doctor Home Loan in India

To apply for a home loan for a doctor, you’ll need to meet the following criteria:

• Citizenship: You must be an Indian resident.
  
• Age Limit: The minimum age requirement is 21 years, and you should not exceed 65 years at the time of loan maturity.
  
• Credit Score: A CIBIL score of 700 or above is required.
  
• Professional Background: You should be a salaried or self-employed medical professional with proof of a stable and consistent income.

Tip: Use the home loan eligibility calculator to estimate how much you may be able to borrow before applying.
*Please note that this is the basic doctor house loan eligibility criteria. The final eligibility will depend on several factors, including our policies at the time of loan application.

Documents Required for a Doctor's Home Loan

Before you apply for a doctor housing loan, keep the following documents ready to ensure a smooth and timely process:

• PAN card
  
• KYC documents (proof of identity and address)
  
• Income proof such as salary slips, Form 16, or CA-audited financials for self-employed professionals
  
• Evidence of ongoing medical practice, if applicable
  
• Bank statements for the past six months
  
• Property-related documents

*Additional documents for a doctor's house loan may be requested based on your individual profile and our policies at the time of application.

How to Apply for a Home Loan for Doctors

Follow these steps to easily apply for a doctor's home loan online with SMFG Grihashakti:

• Check your doctor’s home loan eligibility.
  
• Collect all necessary home loan documents required.
  
• Click here to start your doctor’s housing loan application and upload the necessary details and documents.
  
• Once your application is submitted successfully, a representative will contact you to guide you through the next steps.

Why Choose SMFG Grihashakti for Your Doctor’s Home Loan

SMFG Grihashakti offers one of India’s most trusted and convenient doctor home loan programmes. With dedicated services for medical professionals, you get end-to-end support from application to repayment.

Here’s why you should choose us:

• Competitive interest rates on home loans for doctors.
  
• Hassle-free digital application process.
  
• No hidden fees and complete transparency at every stage.
  
• Dedicated customer support throughout your doctor’s house loan journey.

Apply for a Doctor’s Home Loan Today!

If you’re a medical professional planning to buy a home, a doctor's housing loan from SMFG Grihashakti can help make that dream a reality. Check your eligibility online and apply today for a convenient and hassle-free doctor’s home loan.

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