Aadhya Financial ConsultancyMY HOME PLAN

HOME BUYER’S MONEY MAP

Our new home

Aadhya Financial ConsultancyFREE MONEY MAP

Your family’s home, without a last-minute money shock

Know your real cost, your loan, your own contribution and your monthly budget, before you sign. Even if you have already found the flat you love.

A family on the balcony of their new home in a gated society
Your plan in about 10 minutes
1

The right order · the step many buyers do too late

2

One-time cost · real cost, your loan, your own contribution

3

Monthly cost · your comfortable monthly budget

4

Your plan + checklist · download it, share it

Let’s begin. I am:
Venkatraman Iyer
By Venkatraman Iyer
25 years in home loans
★★★★★ 5.0 on Google · 27 reviewsRs 750 Cr+ arranged50 banks & NBFCs
THE RIGHT ORDER

Get your loan sanctioned before you sign

Many buyers sign first and arrange the loan later. Here is the order that protects you:

1Loan eligibility
2Cash flow plan
3Choose property
4Right lender
5Sanction before you sign
6Disbursal
7Keys
Get these 4 done before you sign
One-time cost plannedReal cost, with stamp duty, GST, interiors and your own contribution.
Monthly cost plannedAn EMI that fits your budget comfortably.
Loan sanctioned as per your needThe right amount, rate and tenure, from the right lender.
Bank’s sanction conditions metValuation, legal check and every condition in the sanction letter cleared.
A happy family in their new home, holding keys with an Aadhya key tag
Keys in hand, no last-minute surprises. My tip: a sanction letter also strengthens your hand when you negotiate the price.
Home Buyer’s Money Map · aadhyafinance.comWhatsApp +91 70395 35999
ONE-TIME COST
Part 1 of 3

What will the home really cost?

Leave blank what doesn’t apply; we work out the government charges.

Government charges

Stamp duty–
Registration–
GST–

Other purchase costs for a new flat

Setting up home

Venkatraman’s tipBanks lend only on the agreement price. Everything above it is your own contribution.
Home Buyer’s Money Map · aadhyafinance.comWhatsApp +91 70395 35999
ONE-TIME COST
Part 2 of 3

Your home loan: how much, and what it costs

One-time charges for the loan

Venkatraman’s tipThe final loan depends on the bank’s valuation, not your price. Get it done before you sign, and compare the full list of charges, not just the rate.

* Conditions apply. Loan: up to 75% of market value or 90% of agreement value, whichever is lower, within RBI limits and your eligibility. Interest rate depends on your CIBIL score. Processing fee, EM and NOI are typical; banks may differ.

Home Buyer’s Money Map · aadhyafinance.comWhatsApp +91 70395 35999
ONE-TIME COST
Part 3 of 3

Your own contribution

Everything the loan does not cover is your own contribution. Add what you can put in; we show if more is needed.

How much own contribution should I plan for?Banks fund 75–90% of the price (less on bigger loans). Plan the rest, plus stamp duty, registration, GST, interiors and loan charges.
Venkatraman’s tipPay your own share before the bank pays out, and read the token refund terms in case the loan is delayed.
Home Buyer’s Money Map · aadhyafinance.comWhatsApp +91 70395 35999
MONTHLY COST
Last step before your plan

Your monthly budget, comfortably planned

Add what comes in and what goes out; we do the maths.

Coming in, every month

Going out, every month

Your EMI comfort meteradd income & loan to see
ComfortableManageableStretched
0%40%55%80%+ of take-home
Venkatraman’s tipChoose the EMI you can pay comfortably, not the biggest loan on offer.
Home Buyer’s Money Map · aadhyafinance.comWhatsApp +91 70395 35999
YOUR PLAN AT A GLANCE
A couple planning their home purchase together

Your home plan

Your numbers, all in one place

Real cost of your home—from the one-time cost page
Home loan—from the loan page
Your own contribution—savings, family help, sale
Monthly EMI—from the monthly cost page
Ready to sign?0 of 5 done
One-time cost plannedMonthly cost planned
Want a second pair of eyes on your plan? Send it on WhatsApp. I’ll check it for free and reply personally. Estimates only; the lender decides final terms.
Home Buyer’s Money Map · aadhyafinance.comWhatsApp +91 70395 35999
BEFORE YOU SIGN

The home loan checklist

1. Cost of the flat

2. Bank charges

3. Your cash flow

4. Sanction letter terms

5. Property checks

6. Payment timeline

7. Protect your family before a 20-year loan

Home Buyer’s Money Map · aadhyafinance.comWhatsApp +91 70395 35999
WHO MADE THIS MAP

Why families trust us with their home loan

50 banks and NBFCsCompared for you; 2–3 shortlisted for your profile.
Sanction before you signLoan, valuation and legal check ready first.
Paperwork handledYour file prepared the way a lender reads it.
Tracked till the keysPayments matched to your builder or seller dates.
Venkatraman Iyer
Venkatraman IyerHome loan expert · Partner, Aadhya Financial Consultancy, Thane

I started in home loans in 2002, sourcing home loans for HDFC Ltd at HBL Global. Then came Axis Bank, Barclays, Standard Chartered and Aditya Birla Capital. Since 2017, at Aadhya Financial Consultancy, I’ve helped families and business owners get the right loan from the right lender.

25 yearsbanking & home loans
Rs 750 Cr+loans arranged
50banks and NBFCs
5.0 ★27 Google reviews
“Best home loan and mortgage loan consultant in Mumbai.”Dinesh Thotam, Google review
“Aadhya goes that extra mile to ensure that not only the deal is done…”Abhijit Bardhan, Google review

“The right loan, done the right way.”

Home Buyer’s Money Map · aadhyafinance.comWhatsApp +91 70395 35999
YOUR NEXT STEP

Two ways to get it right

Do it yourself

  • Use this map and the checklist
  • Visit lenders and compare offers
  • Track the bank’s checks and your payment dates
  • Get the valuation and legal check done before you sign
  • Ask each bank for its full list of charges

Let our home loan experts handle it

  • We check your eligibility across 50 banks and NBFCs
  • We shortlist the 2–3 that suit you
  • Sanction and valuation before you sign
  • Payments tracked until you get the keys
Book a callWhatsApp

We also help with everything around your home loan

Property papersWhat the bank checks, builder or resale
Payment datesMatching the builder’s or seller’s dates to the bank
InteriorsPlanning funds through a top-up loan
After you move inYearly rate review and a plan to repay sooner

Free 20-minute Home Loan Check

In a short call, I’ll tell you your realistic loan amount, the 2–3 lenders that suit you, and the exact papers you need.

No application, no credit enquiry, no fee.

WhatsApp +91 70395 35999

Just send “MONEY MAP” with a time that suits you, or book your call online →

Home Buyer’s Money Map · aadhyafinance.comWhatsApp +91 70395 35999
FOR YOUR CALL

Papers to keep ready

Keep these handy for the free Home Loan Check. It lets us give you a realistic loan amount in one call.

Salaried
  • PAN and Aadhaar
  • Last 3 salary slips
  • Form 16 (2 years)
  • 6 months’ bank statement
Business owners
  • PAN and Aadhaar
  • ITR with computation (3 years)
  • CA-certified financials (2–3 years)
  • 12 months’ bank statement and GST returns

Here’s to your family’s new home.

Book a free callWhatsApp usaadhyafinance.com

Aadhya Financial Consultancy is a loan consultant working with banks and NBFCs; it is not a lender. Final rate, amount and terms are decided by the lender. Stamp duty, GST and lending rules change; check current figures before you decide. General information, not legal or tax advice. Photos are illustrative.

Home Buyer’s Money Map · aadhyafinance.comWhatsApp +91 70395 35999
Tap Next, swipe, or use the arrow keys. Pages 3 to 8 are yours to fill in; we work out the totals for you.