Secured Segment
Affordable Housing Loan (AHL)
From Dreaming of a Home to Owning One
Owning a home is more than a financial milestone, it’s a foundation for your family’s future. At DigiMoney Finance, we understand that many hardworking individuals have the income to own a home but struggle to meet traditional lending requirements.
As an RBI Licensed NBFC, we look beyond rigid checklists to understand your real earning capacity and help you access structured housing finance with confidence.
WHY CHOOSE DIGIMONEY FOR YOUR HOME LOAN?
Making homeownership more accessible.
We believe buying a home shouldn’t feel complicated. Our housing loan solutions are designed around real income realities, transparent processes, and responsible lending practices.
Faster Processing
A structured evaluation process designed to help eligible borrowers move forward without unnecessary delays.Beyond Traditional Documentation
We look at your overall financial profile and repayment ability.
Simple & Transparent
Clear communication, straightforward requirements, and no hidden surprises.Technology-Enabled Efficiency
Digital workflows help simplify verification and improve turnaround times.
OUR HOUSING FINANCE PHILOSOPHY
A home loan built around your reality.
Every family has a unique journey. That’s why we focus on creating structured housing finance solutions that align with your income, aspirations, and long-term goals.
Personalized Assessment
We evaluate your financial situation with a practical and balanced approach.
Stress-Free Experience
A simplified application journey designed to make home financing easier to understand and access.
Responsible Lending
Transparent terms and disciplined lending practices that support sustainable homeownership.
Loan Parameters
Clear terms
Confident decisions.
Know exactly what to expect before you apply.
Loan Amount
₹3 – 25 Lakhs
Repayment Tenure
Up to 20 Years
Interest Rate
As per applicable eligibility and internal assessment.
Property & Eligibility Guidelines
Eligible Properties : Residential Houses, Individual Homes, Flats & Apartments, Eligible Residential Plots (as per policy)
Minimum Eligibility :Applicants should demonstrate stable income and repayment capacity as per internal assessment guidelines.
Who Can Apply?Salaried Individuals, Self-Employed Professionals, Small Business Owners, First-Time Homebuyers
Service Areas Focused across Tamil Nadu and Puducherry.
- Flat 4% + GST: A transparent processing fee with absolutely zero hidden surprises.
One Loan. A Lifetime Of Security.
Helping families build stronger futures.
First Home Purchase
Take the first step toward owning a home for your family.
Home Construction
Build your dream home with structured financial support.
Home Improvement
Upgrade, renovate, or expand your existing home.
Long-Term Asset Creation
Turn monthly repayments into ownership of a valuable family asset.
CLEAR LENDING GUIDELINES & TRANSPARENCY
Honest lending starts with clarity.
Digital Verification
Applications undergo identity verification and eligibility assessment through our structured evaluation process.
Responsible Credit Assessment
Every application is reviewed carefully to ensure borrowing remains manageable and sustainable.
Got more questions?
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FAQ
Frequently Asked Questions
What is an Affordable Housing Loan?
An Affordable Housing Loan helps individuals and families purchase, construct, or improve a home through structured financing with comfortable repayment options.
Who can apply for an Affordable Housing Loan?
What types of properties are eligible for financing?
We finance eligible residential houses, flats, apartments, and approved residential properties, subject to legal and technical verification.
Can first-time homebuyers apply?
Yes. Our housing loan solutions are designed to support aspiring homeowners, including first-time buyers looking to build a long-term family asset.
Quick Access To Credit. Responsible Borrowing.
Financial support designed for life’s unexpected needs.
Apply Through the DigiMoney App
A simple digital process designed for convenience.
Borrow With Confidence
Transparent terms and responsible lending practices.
Stay Financially Prepared
Access structured credit solutions when you need them most.