Realize Your Dream

Build Your Future With a
Housing Loan

Turn your dream home into a reality with Meghalaya Rural Bank. From buying a new property to constructing or renovating, we provide the financial foundation you need with highly competitive rates.

Explore Housing Loans

Why Choose Our Housing Loan?

Experience hassle-free financing designed for homeowners, builders, and renovators alike.

High Financing Value

Get up to 90% financing of your property value with flexible options exclusively tailored for construction, home extension, or purchase.

Extended Tenures

Enjoy incredibly comfortable EMIs with extended repayment tenures stretched up to 30 years, designed to seamlessly fit your long-term financial situation.

PMAY Subsidies

Specialized and robust subsidized components available under the Pradhan Mantri Awas Yojana encouraging home ownership across all demographic segments.

Eligibility Criteria

Eligible Demographics

Salaried Employees: With a minimum continuous service record of 2 years.
Self-Employed / Professionals: Doctors, engineers, and chartered accountants with defined IT returns.
Agriculturalists: Based on historical land holdings and cropping returns.

Financing Purposes

We approve loans for the outright purchase of ready-to-move-in homes, under-construction properties, or raw plots meant strictly for residential development.

Additionally, funding is readily available for home enlargement, significant renovation projects, or balance transfers from existing high-interest lenders.

Required Documents

Fast-track your validation process by keeping these essential records organized before meeting with our loan officers.

Financial Verification

Last 6 months salary slips & latest Form 16 (for salaried).
Last 3 years Income Tax Returns along with audited P&L (for self-employed).
Comprehensive Bank Statements for the past 6-12 months.

Property & Legal

Agreement to Sell / Registration documentation.
Approved building/construction plan.
Title deed or NOC from housing society / builder.

Build Your Future With a Housing Loan