Buying a home is one of the most significant financial decisions in one’s life. For many, this means opting for a home loan to turn that dream into reality. If you’re planning to take a home loan of ₹50 lakh with a tenure of up to 30 years, it’s important to make an informed decision. Among the various lenders in the market, Shubham Housing Finance stands out as a trusted and customer-centric choice, especially for first-time borrowers and individuals with informal income profiles.

1. Tailored to Your Financial Reality

Unlike traditional banks that focus heavily on paperwork and credit scores, Shubham Housing Finance understands the financial situations of India’s real economy—self-employed individuals, small traders, and those without formal income proof. Their home loan products are designed to suit your actual income, not just what’s on paper.

2. Competitive Interest Rates with Flexible Repayment

Shubham offers highly competitive interest rates, keeping monthly EMIs within your reach. With loan tenures of up to 30 years, you can opt for a comfortable repayment plan. They even support flexible EMI options that adjust with your cash flow.

3. No Credit Score? No Problem!

If you don’t have a credit score or formal loan history, Shubham doesn’t hold it against you. Through in-depth personal assessments and home visits, they evaluate your real ability to repay—making the dream of owning a home possible for thousands of first-time borrowers.

4. Transparent and Simple Process

Shubham’s process is transparent and easy to follow. They guide you through each step—right from eligibility checks to documentation and disbursement. With minimal paperwork and no hidden charges, you can trust that you’re getting a fair deal.

5. EMI That Matches Your Budget

For a ₹50 lakh loan, EMI can vary depending on tenure and interest rate.
For example:

• ₹50 lakh at 9% interest for 30 years: EMI ≈ ₹40,231
• ₹50 lakh at 9% interest for 20 years: EMI ≈ ₹44,986

Shubham helps you select the best tenure and interest combination to fit your monthly budget while keeping long-term interest costs in mind.
Use online EMI calculator :- https://www.shubham.co/emicalculator

6. Special Benefits for Women Borrowers

Shubham Housing Finance encourages homeownership among women by offering special terms and preferential processing for female applicants. This aligns with the goal of empowering women through financial independence and property ownership.

7. Inclusive Eligibility Criteria

While banks often impose rigid conditions, Shubham offers loans based on realistic eligibility:

• Age: 21–60 years
• Informal or formal income
• Monthly income from various sources (even cash-based)
• No prior loan history required

This inclusive approach ensures that a wider population segment can access home loans easily.

8. Personalized Loan Advisory

Shubham goes beyond just offering a home loan—they help you understand it. Trained relationship managers provide one-on-one advisory to ensure that you’re choosing the right loan amount, tenure, and repayment plan for your needs.

9. Proven Track Record of Trust

With thousands of happy homeowners across India, Shubham Housing Finance has a strong reputation for integrity, compassion, and innovative lending. They’ve helped vegetable vendors, housemaids, auto drivers, and small business owners achieve their homeownership goals.

10. Financial Literacy Support

Shubham doesn’t just disburse loans—they educate borrowers. Through workshops and personalized support, they build awareness about EMIs, repayment planning, budgeting, and long-term financial well-being.

This added value ensures that you’re not just getting a loan—you’re gaining financial confidence for the future.

Final Thoughts

A ₹50 lakh home loan is a big decision—and choosing the right partner makes all the difference. While there are many options in the market, Shubham Housing Finance offers something unique: a combination of empathy, inclusivity, and financial expertise.

If you’re looking for a lender that looks beyond paperwork and sees your potential, Shubham is your ideal choice. With flexible terms, supportive service, and a commitment to empowering underserved communities, Shubham makes homeownership accessible for all.

Turn your dream home into a reality with Shubham Housing Finance—where your story, not just your salary slip, matters most.