Shubham Housing Development Finance Company
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For many aspiring homeowners in India, especially those who are self-employed or work in the informal sector, getting a home loan can feel impossible—simply because they don’t have formal income documents like salary slips or IT returns.
But the good news is: you can still get a home loan, even without formal income proof. And at Shubham Housing Finance, we specialize in making that possible.
Who Faces This Challenge?
People without formal income proof often include:
- Street vendors, shop owners, and small traders
- Daily wage workers or contract laborers
- Auto drivers, plumbers, electricians, and other freelancers
- Home-based workers like tailors, tiffin service providers, or tutors
While they may have regular income, they often don’t have documented evidence like Form 16, ITRs, or bank statements to back it up.
How Shubham Makes Home Loans Possible Without Formal Proof
At Shubham, we understand that income is more than just paperwork. Here’s how we help:
1. Alternative Income Assessment
Instead of relying solely on documents, we do a cash-flow based assessment. Our field team visits your home or workplace to understand:
- Your monthly income and expenses
- Nature of work and consistency of earnings
- Number of earning members in the household
- Business sustainability (for shop owners, traders, etc.)
2. Simplified Documentation
We ask only for basic KYC documents, like:
- Aadhaar Card / PAN Card
- Address proof
- Photographs
- Business proof (if applicable, like shop rent agreement, bills, etc.)
No income tax return? No salary slip? No problem.
3. Customized Loan Plans
We offer:
- Loan amounts based on your repayment ability—not just your documents
- Affordable EMIs and flexible tenures
- Quick approval and disbursal with doorstep service
Why Choose Shubham Housing Finance?
Over 1,00,000+ families financed
Trusted by self-employed customers across India
Human approach to lending
Transparent process with zero hidden charges
Take the First Step
You don’t need to have a file full of paperwork to make your dream home a reality. You just need a trusted partner who understands your story.
Let us help you turn your dream into an address.