About HomeCapital

If you wish to know more about the HomeCapital Home Down Payment Assistance Program

General

  • Does HomeCapital guarantee timely and accurate completion of participating projects?
  • Are there any extra costs or hidden charges applicable to home buyers to avail HomeCapital’s home down payment assistance?
  • What if the project of my choice is not listed in the HomeCapital offerings?
  • What is HomeCapital’s criteria for listing a project?
  • What is the duration of repayment of the down payment assistance? Are there any prepayment charges?
  • Does HomeCapital negotiate the final property price for the home buyer?
  • How does HomeCapital make the home down payment assistance interest free for home buyers?
  • Who can apply for the HomeCapital home down payment assistance program?
  • What is HomeCapital?

Does HomeCapital guarantee timely and accurate completion of participating projects?

<div class="ewd-ufaq-faq-list ewd-ufaq-page-type-load_more" id='ewd-ufaq-faq-list'> <input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' /> <input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' /> <input type='hidden' name='orderby' value='date' id='ewd-ufaq-orderby' /> <input type='hidden' name='order' value='desc' id='ewd-ufaq-order' /> <input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' /> <input type='hidden' name='current_url' value='/wp-json/wp/v2/ufaq/?post_type=ufaq&amp;ufaq-category=2' id='ewd-ufaq-current-url' /> <div class='ewd-ufaq-faqs'> <div class="ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default" id='ewd-ufaq-post-28-166ZJRZx7W' data-post_id='28'> <div class='ewd-ufaq-faq-title '> <a class='ewd-ufaq-post-margin' href='https://cms.homecapital.in/ufaqs/does-homecapital-guarantee-timely-and-accurate-completion-of-participating-projects/'> <div class='ewd-ufaq-post-margin-symbol ewd-ufaq-square'> <span >A</span> </div> <div class='ewd-ufaq-faq-title-text'> <h4> Does HomeCapital guarantee timely and accurate completion of participating projects? </h4> </div> <div class='ewd-ufaq-clear'></div> </a> </div> <div class='ewd-ufaq-faq-body ' > <div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'> <p>No, we cannot guarantee project timelines. For any issues with project delivery, homebuyers can approach their state RERAs for timely redressal of their grievances.</p> </div> <div class='ewd-ufaq-faq-custom-fields'> </div> </div> </div> </div> </div>

Are there any extra costs or hidden charges applicable to home buyers to avail HomeCapital’s home down payment assistance?

<div class="ewd-ufaq-faq-list ewd-ufaq-page-type-load_more" id='ewd-ufaq-faq-list'> <input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' /> <input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' /> <input type='hidden' name='orderby' value='date' id='ewd-ufaq-orderby' /> <input type='hidden' name='order' value='desc' id='ewd-ufaq-order' /> <input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' /> <input type='hidden' name='current_url' value='/wp-json/wp/v2/ufaq/?post_type=ufaq&amp;ufaq-category=2' id='ewd-ufaq-current-url' /> <div class='ewd-ufaq-faqs'> <div class="ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default" id='ewd-ufaq-post-25-eeqoGnPxOD' data-post_id='25'> <div class='ewd-ufaq-faq-title '> <a class='ewd-ufaq-post-margin' href='https://cms.homecapital.in/ufaqs/are-there-any-extra-costs-or-hidden-charges-applicable-to-home-buyers-to-avail-homecapitals-home-down-payment-assistance/'> <div class='ewd-ufaq-post-margin-symbol ewd-ufaq-square'> <span >A</span> </div> <div class='ewd-ufaq-faq-title-text'> <h4> Are there any extra costs or hidden charges applicable to home buyers to avail HomeCapital’s home down payment assistance? </h4> </div> <div class='ewd-ufaq-clear'></div> </a> </div> <div class='ewd-ufaq-faq-body ' > <div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'> <p>There are no hidden charges to avail HomeCapital down payment assistance. Processing fees charged under the program will be disclosed upfront to the homebuyer.<br></p> </div> <div class='ewd-ufaq-faq-custom-fields'> </div> </div> </div> </div> </div>

What if the project of my choice is not listed in the HomeCapital offerings?

<div class="ewd-ufaq-faq-list ewd-ufaq-page-type-load_more" id='ewd-ufaq-faq-list'> <input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' /> <input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' /> <input type='hidden' name='orderby' value='date' id='ewd-ufaq-orderby' /> <input type='hidden' name='order' value='desc' id='ewd-ufaq-order' /> <input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' /> <input type='hidden' name='current_url' value='/wp-json/wp/v2/ufaq/?post_type=ufaq&amp;ufaq-category=2' id='ewd-ufaq-current-url' /> <div class='ewd-ufaq-faqs'> <div class="ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default" id='ewd-ufaq-post-24-USpRr1I1YV' data-post_id='24'> <div class='ewd-ufaq-faq-title '> <a class='ewd-ufaq-post-margin' href='https://cms.homecapital.in/ufaqs/what-if-the-project-of-my-choice-is-not-listed-in-the-homecapital-offerings/'> <div class='ewd-ufaq-post-margin-symbol ewd-ufaq-square'> <span >A</span> </div> <div class='ewd-ufaq-faq-title-text'> <h4> What if the project of my choice is not listed in the HomeCapital offerings? </h4> </div> <div class='ewd-ufaq-clear'></div> </a> </div> <div class='ewd-ufaq-faq-body ' > <div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'> <p>In case the project of your choice is not listed in HomeCapital’s offerings, please write to us at <a href="mailto:wecare@homecapital.in">wecare@homecapital.in</a> or <a href="mailto:program@homecapital.in">program@homecapital.in</a>  with the project details. We will try to include the project of your choice with the best of our efforts. However, we cannot guarantee the same as onboarding projects and developers depend on a number of factors that may be beyond the control of HomeCapital.<br></p> </div> <div class='ewd-ufaq-faq-custom-fields'> </div> </div> </div> </div> </div>

What is HomeCapital’s criteria for listing a project?

<div class="ewd-ufaq-faq-list ewd-ufaq-page-type-load_more" id='ewd-ufaq-faq-list'> <input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' /> <input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' /> <input type='hidden' name='orderby' value='date' id='ewd-ufaq-orderby' /> <input type='hidden' name='order' value='desc' id='ewd-ufaq-order' /> <input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' /> <input type='hidden' name='current_url' value='/wp-json/wp/v2/ufaq/?post_type=ufaq&amp;ufaq-category=2' id='ewd-ufaq-current-url' /> <div class='ewd-ufaq-faqs'> <div class="ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default" id='ewd-ufaq-post-21-sx57WUg2Qp' data-post_id='21'> <div class='ewd-ufaq-faq-title '> <a class='ewd-ufaq-post-margin' href='https://cms.homecapital.in/ufaqs/what-is-homecapitals-criteria-for-listing-a-project/'> <div class='ewd-ufaq-post-margin-symbol ewd-ufaq-square'> <span >A</span> </div> <div class='ewd-ufaq-faq-title-text'> <h4> What is HomeCapital’s criteria for listing a project? </h4> </div> <div class='ewd-ufaq-clear'></div> </a> </div> <div class='ewd-ufaq-faq-body ' > <div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'> <p>We review the track record of developers to include them in the program and only partner with leading developers across major cities. Every property goes through systematic due diligence with key focus on the developer background, delivery track record, credit profile, corporate governance, real estate portfolio analysis, micro market review, supply and demand analysis and other related factors.</p> </div> <div class='ewd-ufaq-faq-custom-fields'> </div> </div> </div> </div> </div>

What is the duration of repayment of the down payment assistance? Are there any prepayment charges?

<div class="ewd-ufaq-faq-list ewd-ufaq-page-type-load_more" id='ewd-ufaq-faq-list'> <input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' /> <input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' /> <input type='hidden' name='orderby' value='date' id='ewd-ufaq-orderby' /> <input type='hidden' name='order' value='desc' id='ewd-ufaq-order' /> <input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' /> <input type='hidden' name='current_url' value='/wp-json/wp/v2/ufaq/?post_type=ufaq&amp;ufaq-category=2' id='ewd-ufaq-current-url' /> <div class='ewd-ufaq-faqs'> <div class="ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default" id='ewd-ufaq-post-20-6UtseANYSN' data-post_id='20'> <div class='ewd-ufaq-faq-title '> <a class='ewd-ufaq-post-margin' href='https://cms.homecapital.in/ufaqs/what-is-the-duration-of-repayment-of-the-down-payment-assistance-are-there-any-prepayment-charges/'> <div class='ewd-ufaq-post-margin-symbol ewd-ufaq-square'> <span >A</span> </div> <div class='ewd-ufaq-faq-title-text'> <h4> What is the duration of repayment of the down payment assistance? Are there any prepayment charges? </h4> </div> <div class='ewd-ufaq-clear'></div> </a> </div> <div class='ewd-ufaq-faq-body ' > <div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'> <p>The down payment assistance is to be repaid in 12 interest free equated monthly instalments by the homebuyer. There are no prepayment charges. The user can opt for foreclosure at any point of time during the repayment period.<br></p> </div> <div class='ewd-ufaq-faq-custom-fields'> </div> </div> </div> </div> </div>

Does HomeCapital negotiate the final property price for the home buyer?

<div class="ewd-ufaq-faq-list ewd-ufaq-page-type-load_more" id='ewd-ufaq-faq-list'> <input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' /> <input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' /> <input type='hidden' name='orderby' value='date' id='ewd-ufaq-orderby' /> <input type='hidden' name='order' value='desc' id='ewd-ufaq-order' /> <input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' /> <input type='hidden' name='current_url' value='/wp-json/wp/v2/ufaq/?post_type=ufaq&amp;ufaq-category=2' id='ewd-ufaq-current-url' /> <div class='ewd-ufaq-faqs'> <div class="ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default" id='ewd-ufaq-post-19-ZEvg9CqsBF' data-post_id='19'> <div class='ewd-ufaq-faq-title '> <a class='ewd-ufaq-post-margin' href='https://cms.homecapital.in/ufaqs/does-homecapital-negotiate-the-final-property-price-for-the-home-buyer/'> <div class='ewd-ufaq-post-margin-symbol ewd-ufaq-square'> <span >A</span> </div> <div class='ewd-ufaq-faq-title-text'> <h4> Does HomeCapital negotiate the final property price for the home buyer? </h4> </div> <div class='ewd-ufaq-clear'></div> </a> </div> <div class='ewd-ufaq-faq-body ' > <div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'> <p>HomeCapital does not get involved in the price discussions between the home buyer and the developer. Home buyers are supported with home down payment assistance to be able to select their property independently from the properties listed in the program. A homebuyer can check the eligibility for the HomeCapital Program before making a booking and complete the application after finalising their unit.</p> </div> <div class='ewd-ufaq-faq-custom-fields'> </div> </div> </div> </div> </div>

How does HomeCapital make the home down payment assistance interest free for home buyers?

<div class="ewd-ufaq-faq-list ewd-ufaq-page-type-load_more" id='ewd-ufaq-faq-list'> <input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' /> <input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' /> <input type='hidden' name='orderby' value='date' id='ewd-ufaq-orderby' /> <input type='hidden' name='order' value='desc' id='ewd-ufaq-order' /> <input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' /> <input type='hidden' name='current_url' value='/wp-json/wp/v2/ufaq/?post_type=ufaq&amp;ufaq-category=2' id='ewd-ufaq-current-url' /> <div class='ewd-ufaq-faqs'> <div class="ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default" id='ewd-ufaq-post-8-23DjqO8w8U' data-post_id='8'> <div class='ewd-ufaq-faq-title '> <a class='ewd-ufaq-post-margin' href='https://cms.homecapital.in/ufaqs/how-does-homecapital-make-the-home-down-payment-assistance-interest-free-for-home-buyers/'> <div class='ewd-ufaq-post-margin-symbol ewd-ufaq-square'> <span >A</span> </div> <div class='ewd-ufaq-faq-title-text'> <h4> How does HomeCapital make the home down payment assistance interest free for home buyers? </h4> </div> <div class='ewd-ufaq-clear'></div> </a> </div> <div class='ewd-ufaq-faq-body ' > <div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'> <p>HomeCapital combines finance, technology and real estate expertise to create a unique business proposition that derives value from all the business partners to make the program completely interest free for its users. Our business partners are real estate developers, NBFCs, banks, housing finance companies and insurance companies.<br></p> </div> <div class='ewd-ufaq-faq-custom-fields'> </div> </div> </div> </div> </div>

Who can apply for the HomeCapital home down payment assistance program?

<div class="ewd-ufaq-faq-list ewd-ufaq-page-type-load_more" id='ewd-ufaq-faq-list'> <p> <input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' /><br /> <input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' /><br /> <input type='hidden' name='orderby' value='date' id='ewd-ufaq-orderby' /><br /> <input type='hidden' name='order' value='desc' id='ewd-ufaq-order' /><br /> <input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' /><br /> <input type='hidden' name='current_url' value='/wp-json/wp/v2/ufaq/?post_type=ufaq&amp;ufaq-category=2' id='ewd-ufaq-current-url' /></p> <div class='ewd-ufaq-faqs'> <div class="ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default" id='ewd-ufaq-post-6-s5PVHnHi11' data-post_id='6'> <div class='ewd-ufaq-faq-title '> <p> <a class='ewd-ufaq-post-margin' href='https://cms.homecapital.in/ufaqs/who-can-apply-for-the-homecapital-home-down-payment-assistance-program/'></p> <div class='ewd-ufaq-post-margin-symbol ewd-ufaq-square'> <span >A</span> </div> <div class='ewd-ufaq-faq-title-text'> <h4> Who can apply for the HomeCapital home down payment assistance program? </h4> </p></div> <div class='ewd-ufaq-clear'></div> <p> </a></p> </div> <div class='ewd-ufaq-faq-body ' > <div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'> <p>Any resident Indian within the age group of 25 &#8211; 58 years with a stable income and sound credit track record looking to buy a home for their family can apply for the HomeCapital Program.</p> </div> <div class='ewd-ufaq-faq-custom-fields'> </div></div> </div></div> </div>

What is HomeCapital?

<div class="ewd-ufaq-faq-list ewd-ufaq-page-type-load_more" id='ewd-ufaq-faq-list'> <p> <input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' /><br /> <input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' /><br /> <input type='hidden' name='orderby' value='date' id='ewd-ufaq-orderby' /><br /> <input type='hidden' name='order' value='desc' id='ewd-ufaq-order' /><br /> <input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' /><br /> <input type='hidden' name='current_url' value='/wp-json/wp/v2/ufaq/?post_type=ufaq&amp;ufaq-category=2' id='ewd-ufaq-current-url' /></p> <div class='ewd-ufaq-faqs'> <div class="ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default" id='ewd-ufaq-post-5-8KW9sXqqIK' data-post_id='5'> <div class='ewd-ufaq-faq-title '> <p> <a class='ewd-ufaq-post-margin' href='https://cms.homecapital.in/ufaqs/what-is-homecapital/'></p> <div class='ewd-ufaq-post-margin-symbol ewd-ufaq-square'> <span >A</span> </div> <div class='ewd-ufaq-faq-title-text'> <h4> What is HomeCapital? </h4> </p></div> <div class='ewd-ufaq-clear'></div> <p> </a></p> </div> <div class='ewd-ufaq-faq-body ' > <div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'> <p>HomeCapital is an Indian Company that has pioneered India’s first Down Payment Assistance (DPA) Program that provides interest free down payment assistance to home buyers. Our program endeavours to help millions of homebuyers accelerate their journey of home ownership with a focus on those who want to buy their first home early in their lives. The down payment assistance in the form of interest free unsecured personal loans with the HomeCapital Program bearing the interest burden.</p> <p>HomeCapital is not a lending institution. The down payment assistance is provided by our partnering financial institutions. The financial assistance will be repayable in 12 equated monthly payments without any interest.</p> </div> <div class='ewd-ufaq-faq-custom-fields'> </div></div> </div></div> </div>

Data Security

We use bank-level security for your protection.

Your information is encrypted with an AES 256 bit symmetric key.
Your connection to HomeCapital is always encrypted over HTTPS with Transport Layer Security (TLS). HomeCapital applications and data are physically located in multiple secure data centers. We utilize Amazon Web Services for our hosting which is compliant with numerous security certifications.

Disclaimer

The HomeCapital "Portal" and all its contents are only for the purpose of providing information regarding the HomeCapital Down Payment Assistance Program and should not be construed as binding. By using this website, you accept our Terms of Use and Privacy Policy. We are not a lending institution. All loans are made by our financial institution partners. The real estate properties listed on the Portal are not an advertisement or a solicitation and the customer shall independently review and verify the credentials of the project and/or the developer.

HCPL and it's partners reserve the right to reject any application at any time in accordance to its policies. To qualify, a borrower must be a Indian citizen and meet our financial partners underwriting requirements. To check for an applicant’s eligibility, our lending partner will request your full credit report from one or more credit bureaus. Not all applicants receive the down payment assistance. To qualify for the program, you must have a responsible financial history and meet other conditions. Assistance limits displayed are indicative, actual limits will depend on number of factors. If approved, your program assistance tenure will depend on a variety of factors, including down payment assistance amount, repayment capacity, a responsible financial history, years of experience, income, home-loan to value ratio and other factors.

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