Expert Home Loan Services in Ahmedabad | CA-Assisted Eligibility & Approval
Home Loan Services in Ahmedabad are your pathway to owning property in this booming metropolitan city. Securing a home loan requires more than just meeting a checklist; it demands maximizing your eligibility, choosing the best interest rate, and perfectly organizing complex financial documentation.
A M Global, a trusted Chartered Accountant (CA) firm, offers specialized Home Loan Services in Ahmedabad. We leverage our deep financial expertise to assess your profile, prepare tax-compliant documents (like ITRs and P&L statements), and connect you with leading banks and Housing Finance Companies (HFCs) offering rates starting from as low as 7.35% p.a. onwards (as of November 2025). We act as your financial advocate, ensuring quick processing and approval of your dream home loan Services in Ahmedabad.
Maximizing Your Eligibility for Home Loan Services in Ahmedabad
Lenders in Ahmedabad—whether public, private, or HFCs—base their decisions on a stringent set of criteria. Our service focuses on optimizing these factors to secure the maximum loan amount and the best terms for you.
CIBIL Score Optimization: A score of 725 or higher is ideal. We advise on strategies to quickly improve your credit score and resolve any discrepancies that could delay your application.
Income Proof Verification: For salaried individuals, we verify your Form 16, ITRs, and salary slips. For the self-employed, our CA certification on your Profit & Loss (P&L) statements, Balance Sheets, and ITRs for the last two years provides unparalleled credibility to lenders.
Co-Applicant Strategy: We advise on strategically adding a co-applicant (spouse or immediate family) to boost your loan eligibility and potentially qualify for lower interest rates offered to women borrowers Home Loan Services in Ahmedabad.
Specialized Home Loan Services for Salaried and Self-Employed
Documents Required for Home Loan Services in Ahmedabad
The documentation requirements vary significantly based on your profession. A M Global simplifies this by preparing and verifying your entire file packet.
| Applicant Type | Key Financial Documents Prepared by A M Global | General Documents Required |
| Salaried | Latest ITR and Form 16 for the last year. | Last 3 months’ salary slips, last 6 months’ bank statements, KYC (PAN, Aadhaar), and employment proof. |
| Self-Employed/Professional | Audited Balance Sheet, P&L Statement, and ITRs for the last 2-3 years (attested by a CA). | Business Registration Proof (e.g., GST certificate), last 12 months’ business and personal bank statements, KYC (PAN, Aadhaar). |
Unlocking Maximum Tax Benefits on Your Home Loan
One of the most valuable aspects of owning a home is the significant tax savings available under the Income Tax Act. Our expertise ensures you fully utilize these benefits during your annual ITR Filing in Ahmedabad:
Section 80C: Deduct the principal repayment amount up to ₹1,50,000 per financial year.
Section 24(b): Deduct the interest paid on the home loan up to ₹2,00,000 per financial year for self-occupied property.
We help structure your loan and investments to maximize these deductions, significantly reducing your overall tax burden. This service integrates seamlessly with our core ITR Filing Services.
For the most current information regarding tax deductions on interest paid, we recommend referring to the official website of the Income Tax Department, India.
Frequently Asked Questions (FAQs) about Home Loan Services in Ahmedabad
1. What CIBIL score is required to get a Home Loan in Ahmedabad?
While different lenders have different cutoffs, a CIBIL score of 725 or above is generally considered good and highly recommended for securing the most competitive interest rates from top banks and HFCs.
2. Is it possible for a self-employed person to get a high loan amount?
Yes, absolutely. Lenders require a proven track record of business continuity (typically 3 years) and certified financials (P&L and Balance Sheet). Our CA-certified documentation helps the self-employed demonstrate strong repayment capacity, leading to higher loan sanctions.
3. Can I get a home loan with no income proof?
It is extremely challenging to get a standard home loan without formal income proof. However, we work with specialized HFCs that offer products tailored for individuals with informal incomes, such as small business owners or those receiving cash salaries, requiring alternative documentation and strong property value.
4. What is the maximum tenure for a home loan in Ahmedabad?
The maximum repayment tenure offered by most banks and HFCs is up to 30 years. Choosing a longer tenure reduces your Equated Monthly Instalment (EMI), making the loan more affordable, though it increases the total interest paid over the life of the loan.