FAQ

A B Khata property is one that’s registered with BBMP but is still awaiting full regularisation or approval under local norms. It’s very common in Bengaluru — especially in fast-developing areas.
👉 Good news: Owning a B Khata property doesn’t mean you can’t get a home loan in Bangalore. We’ve helped many clients successfully get funding even for such properties.

Yes, absolutely! While many big banks hesitate, we work with a network of NBFCs, private banks and housing finance companies that actively provide B Khata loans in Bangalore.
Our team helps you choose the right lender, prepare documentation, and negotiate the lowest possible interest rate — so your dream home doesn’t have to wait.

Interest rates depend on your profile, credit score, and the property’s documentation. Typically, B Khata loan rates start from around 9.5% p.a.
At HousingLoanInBangalore.in, we directly negotiate with lenders to get you the most competitive deal, often 1–2% lower than what you might get by applying on your own.

While nationalised banks are selective, several reputed NBFCs and housing finance companies lend against B Khata properties.
We maintain direct tie-ups with these institutions and know exactly which lender suits which property type — ensuring faster approvals and better terms for you.

You’ll typically need:
📄 KYC proofs (PAN, Aadhaar, address proof)
📄 Income documents (salary slips or ITRs for self-employed)
📄 Property papers (sale deed, tax receipts, B Khata certificate)
📄 Layout or DC conversion papers (if available)
Don’t worry — our team guides you step-by-step and even helps arrange any missing documents to make your loan process smooth and stress-free.

Usually, lenders finance up to 70% of the property value, depending on income and documentation.
We evaluate your case and help maximize your loan eligibility — ensuring you get the highest sanction amount at the lowest rate.

Because B Khata properties are still awaiting full BBMP approval, some banks see them as higher risk.
That’s exactly where we come in — we connect you to specialized lenders who are comfortable funding B Khata projects and help you structure the file properly so it passes all checks.

Yes. Once you clear betterment charges and complete approvals, your property can be converted to A Khata.
If that happens during your loan tenure, we can help you refinance or balance-transfer your loan to a mainstream bank — often reducing your interest rate further.

If your documents are in order, approval can happen in 5 to 7 working days.
Since we already know which lenders are open to B Khata cases, you won’t waste time applying blindly.
Our back-end team follows up daily to make sure your loan moves fast and smoothly.

💡 Because we specialise exclusively in Bangalore-based property loans, especially B Khata and revenue site loans.
✅ We know the local regulations, lender preferences, and documentation shortcuts.
✅ We get you multiple loan offers to compare — all with zero extra cost to you.
✅ And we stay with you from application to disbursal till your dream home becomes a reality.
📞 Ready to know your loan eligibility?
Call us or request a free callback — our experts will guide you personally.

Anyone with a stable income — salaried or self-employed — can apply. Whether you’re a first-time buyer, NRI, or upgrading to a bigger house, our team helps you find the right bank or NBFC that fits your income, profile, and property type.
👉 Even if you’re unsure about eligibility, call us for a free eligibility check — it takes just 5 minutes!

Most lenders finance up to 80-90% of the property value (based on income, age, and CIBIL score). We help you calculate your exact eligibility instantly and guide you on how to increase your approval amount – sometimes by restructuring income or adding co-applicants.

Interest rates usually start around 8.4% p.a. and depend on your income, credit score, and lender. Because we work with multiple banks and NBFCs, we compare offers and help you lock in the lowest rate available, often saving clients ₹50,000-₹2 lakh in interest over time.

With the right documents, you can get a loan sanction within 3 to 5 working days. Our backend team coordinates with banks, does the paperwork, and follows up daily – so your loan doesn’t get delayed due to technical reasons.
✨ Fast-track approvals are our speciality!

You’ll need basic KYC and income proofs:
📄 PAN, Aadhaar, Address proof
📄 Salary slips / ITRs / Bank statements
📄 Sale deed or booking form for the property
📄 Employment proof or business registration (for self-employed)
Our experts help you organise and verify everything before submission to avoid last-minute queries from banks.

❌ No hidden charges! We don’t take any processing fee from clients. Banks pay us a standard referral commission for completed loans.
That means you get our expert support absolutely free — and still enjoy bank-direct rates or better.

Yes! If you already have a loan at a higher rate, we can help you balance transfer it to another bank/NBFC offering lower interest and flexible tenure.
Clients typically save 0.5% to 1.5% on interest — a big amount over long tenures. Ask us for a free refinance analysis today.

We arrange:
🏡 New purchase loans
🏗 Construction & plot + construction loans
🔁 Balance transfer / Top-up loans
💰 Home improvement or extension loans
Whether it’s a BBMP-approved apartment, villa, B-Khata site, or revenue property — we help you find the right lender for every case.

Absolutely! We’re among the few specialists in Bangalore who arrange loans for B Khata and revenue properties through our network of NBFCs and private lenders.
💬 So even if your property isn’t A-Khata, don’t lose hope – we can still help you fund your dream home.

Because we’re not just agents – we’re your loan partners.
✅ We compare 20+ banks & NBFCs to find your best match
✅ We ensure lowest possible rate, faster approval, and smooth disbursal
✅ We guide you personally – from the first enquiry to key handover
✅ And it’s all free of cost
📞 Call now or request a callback – let’s start your home loan journey today with complete transparency and confidence.