Know what you can save by switching your home loan.

Your summary updates as you answer. = 18 && Number(input.ageYears) ; if (isImprovement || isLap) return How do you earn? RiteAssetz loan assessment Answer what you know. We’ll do the arithmetic. Which number do you know? Requested loan is about above the current property-value reference. Your funding plan adds up. Next we’ll check repayment capacity.

Where are you in the property journey? Family-owned / other Hybrid / unsure No existing mortgage Will be closed / refinanced Business / professional When would you like to move? Your result is an assessment, not a sanction. For Home Purchase, signing in and continuing starts the canonical RiteAssetz application; later lender-marketplace entry remains subject to consent, documents, eligibility and the active marketplace gates.

= 80 && requested = 65 && requested Edit my answers This RiteAssetz eligibility and readiness assessment is based on the information you entered. Final lender sanction remains subject to lender underwriting, verification and applicable policy. Loan check status Request buffer / gap Use the simulator below to estimate a property budget.

Estimated EMI for request Using the assessment assumptions shown below. Based on the checklist stage you selected. whenever income, EMI, co-applicant or property details change What is driving your loan readiness Every factor in this assessment is shown below. What to do next Prioritised actions from the current assessment.

Your current profile is well prepared for the next application step. Improve my eligibility Change one assumption. See the impact immediately. This simulation does not change your saved loan check unless you edit and save the underlying details. See the effect if my current EMI is cleared

0 ? 'text-emerald-700' : capacityDelta 0 ? 'text-emerald-700' : readinessDelta The simulation recalculates from the same RiteAssetz readiness model. 0 ? 'improves' : capacityDelta Start your Home Loan application Save this assessment and continue from My Account. We’ll attach this assessment to your Home Loan application. When the application is ready and you’ve completed the required consent and documents, eligible participating banks can respond through RiteAssetz.

Nothing is sent to a bank just by starting your application. View my application → Your Home Loan application has started. Track your application, complete the next steps and review bank responses from My Account. Participating banks set their own offer terms, and you decide which offer to proceed with.

RiteAssetz assesses eligibility and readiness using the information you provide. Final eligibility, pricing, sanction amount and property acceptance remain subject to lender underwriting, bureau, documents, policy and property checks. Proceed to verified lender matching This step runs only after you have started a Home Loan application. RiteAssetz uses the normalized verification result for lender-policy matching; it does not submit your application to a bank.

Date of birth 1. PAN / identity verification Application-stage identity gate I agree to this identity-verification purpose for this Home Loan application. 2. Credit verification Paid/regulated lender-matching gate after PAN Why RiteAssetz requests this check: to verify credit facts used for application readiness and governed lender matching. Participating bankers do not receive the raw bureau report, exact credit score, tradeline/lender names, raw enquiries or provider evidence from this step.

Approved soft-enquiry wording: the configured bureau product is a soft enquiry and does not impact your credit score. RiteAssetz does not currently make a “soft enquiry” or credit-score-impact claim for this configured product. That wording appears only after provider evidence is explicitly approved. I agree to the credit-verification purpose for this application and lender matching.

I understand this provider-backed check may be chargeable when production pricing is enabled. No production fee amount is represented in UAT until the approved commercial policy is configured. Masked lender matching Credit verification does not automatically share your application with banks. After verification, you choose separately whether RiteAssetz may show a masked profile to eligible participating lenders.

What consent-authorised lenders may see Loan product, requested amount/property budget and service area. Application/document readiness and lender-safe credit bands. Lender-specific Sentinel fit verdict and a safe rule-count explanation. What stays hidden before you choose a lender Your name, phone, email, PAN, Aadhaar, date of birth and address.

Your exact credit score, raw bureau report, tradelines, enquiries and provider references. Your private documents and document storage paths. This permission becomes actionable after the verified credit step is complete. ) : lenderPoolGranted ? ( Withdrawal blocks future masked lender reads. It does not erase historical audit evidence for access that lawfully occurred before withdrawal.

I agree that RiteAssetz may use this verified application for masked lender matching under the policy shown above. PAN, date of birth and mobile are not saved in this page or the normal assessment record. The server stores only a one-way identity fingerprint, normalized outcome and audit references. Lender documents remain locked. You can review current permissions and consent history in Profile settings; selected-lender data release is managed separately after you choose an offer.

RiteAssetz Balance Transfer Review Know what you can save by switching your home loan. Compare your current loan against a different rate and tenure. See the EMI, savings, break-even and top-up impact clearly. Edit my details Current loan vs transfer The comparison rate is the rate you entered for this assessment. A lender's final rate and offer remain subject to underwriting.

Transfer Opportunity Score Your current home loan At the comparison rate EMI without top-up Monthly EMI saving Before any optional top-up Net repayment difference After transfer costs entered Current remaining interest Transfer + top-up Know what the extra funding does to your EMI Total refinance amount

New EMI with top-up Change vs current EMI The top-up analysis separates savings on your existing balance from the incremental EMI created by additional funding. Why this opportunity looks this way Your transfer comparison is ready for a RiteAssetz review. Test another transfer scenario Change rate, tenure or top-up. See the effect immediately.

This scenario does not change your original saved details. EMI change vs current Net saving vs original scenario Continue with RiteAssetz Take the transfer opportunity forward with an advisor Your advisor receives the current outstanding, rate, EMI, remaining tenure, savings comparison and top-up requirement so you do not have to repeat the basics.

No lender application is submitted until you decide to proceed. Your balance-transfer request is saved. A RiteAssetz advisor can call with this transfer and top-up context already available. RiteAssetz calculates the transfer comparison from the information and comparison rate you provide. The comparison rate is not a lender quote. Final savings, eligibility, top-up, pricing, fees and terms remain subject to lender underwriting, bureau, repayment track, documents, property checks and final offer.

This RiteAssetz eligibility and readiness assessment is based on the information you provided. Final lender sanction remains subject to lender underwriting, valuation, verification and applicable policy. Property value entered Requested property leverage What is driving this result Every factor is visible — no black-box score. What you can improve

Test practical changes before speaking with an advisor. Next best actions Continue with an advisor Take this assessed case forward with RiteAssetz. Your advisor receives the same property, income, funding and readiness context so the call starts with the actual decision points instead of repeating the form.

By continuing, you consent to RiteAssetz using the information entered here to respond to this loan enquiry and arrange an advisor follow-up. Lender application, KYC or bureau consent is separate and will only be requested when required. Your one-page RiteAssetz loan assessment Branded summary with your key numbers, funding mix, readiness and next steps.

Check your purchase budget, eligible loan range and EMI comfort. Build or renovate Plan funding for construction, reconstruction or major improvement. Switch my home loan Compare your current loan with a possible balance transfer. Loan against property Estimate funding backed by a property you already own.

I know the property I want to buy. I have a few properties in mind. I am actively looking. I want to understand my budget first. I still need to collect the basics. A few income / KYC documents are available. Most of the core file is available.

Core set ready The main documents are ready to review. Within 30 days I want to move quickly. I am actively preparing. I am planning ahead. I am exploring my options. Let’s find your home-buying range. A few simple answers. We’ll keep the numbers clear as you go.

Let’s structure your project funding. Tell us the project, property and income picture. We’ll show the funding range as you go. Let’s see if switching your loan makes sense. Compare the loan you have with the transfer you are considering. Let’s estimate your property-backed funding. We’ll combine property value, current charge and repayment capacity.

Complete the details Complete the loan requirement to compare it with your assessed borrowing capacity. Comfortably within range Your requested amount is comfortably inside your current assessed borrowing range. Your requested amount is within your current assessed borrowing range. Close to range Your requested amount is slightly above the current range. Profile optimisation may help close the gap.

Above current range Your requested amount is above the current assessed range. Use the simulator to see which changes may narrow the gap. Know your home-buying power before you start one application. Know your construction-funding capacity before a lender application. Know your refinance position before you approach a new lender.

Know your renovation-funding capacity before a lender application. Know your borrowing position before a lender application. Know your project-funding capacity before a lender application. RiteAssetz assesses the funding position from the information provided. Lender legal/title checks, technical valuation, approvals where applicable and stage-linked disbursement can still apply.

Own contribution / amount already invested Other continuing EMI Know your property-backed borrowing capacity before a lender application. RiteAssetz assesses the borrowing position using the property and financial details provided. Final lender eligibility remains subject to valuation, title/encumbrance checks, income assessment, permitted end-use and lender policy.

Additional funds required Existing mortgage outstanding