SM Financial Solutions

Know Exactly How to Get Your Home Loan Approved

A ₹29 guide + free consultation to help you understand fees, eligibility, and the right lender for your profile.

Get the Guide — ₹29 Refundable engagement deposit · No spam · 2 min setup
Why this exists

Most rejections aren't about eligibility

They happen because of information gaps. Different lenders have different rules on processing fees, legal charges, and credit score requirements — knowing which lender fits your profile can be the difference between rejection and approval.

What's inside

Six things you'll walk away with

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How processing, legal & technical charges actually work

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Understanding CIBIL score requirements across lenders

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Top 10 questions every applicant should ask

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Free WhatsApp consultation with an advisor

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Personalized lender-matching for your profile

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Refer a friend, earn up to 1% of their loan amount

The fine print, upfront

How the ₹29 works

Refundable deposit — not a purchase price

You get your ₹29 back when:

  • You refer a client whose loan gets disbursed through us, or
  • You use this guide to apply for your own loan and it gets disbursed

Refund process: Credited via UPI within 7 working days of loan disbursement confirmation.

This deposit does not guarantee loan approval, eligibility, or referral conversion. All loans are subject to lender credit assessment. Terms apply.
Pay ₹29 & Get the Guide
Refer & earn

What you earn when you refer someone

Loan Type You Earn Example
Home Loan, Mortgage & Balance Transfer 0.40% ₹30,00,000 loan → ₹12,000
Personal Loan 1% ₹5,00,000 loan → ₹5,000
Payout is calculated on the sanctioned loan amount and paid once the loan is disbursed. Actual earnings vary with loan size. No payout if the loan doesn't go through.

🧮 Calculate your payout

Estimated payout ₹0
Talk to a human first

Book your free consultation

Talk to a home loan advisor directly on WhatsApp. No obligation.

Who you'll be talking to
Siddhesh More

Siddhesh More

Home Loan Advisor, SM Financial Solutions

Years of experience helping salaried, self-employed, and mixed-income clients navigate the home loan process from application to disbursement.

Common questions

FAQ

Is this a loan offer?

No. This is an informational guide and consultation service. Loan approval and terms are determined solely by the lender based on your eligibility.

How do I get my ₹29 refund?

Once your referred client's loan (or your own) is disbursed, the refund is processed via UPI within 7 working days.

What if I don't refer anyone or apply for a loan?

The ₹29 is non-refundable in that case — it's what keeps this a genuine engagement deposit rather than a free giveaway.

Will my information be shared with anyone?

No. Your details are kept confidential and used only to provide you guidance and consultation.

What documents do I need to get started?

This varies by profile — your advisor will share a personalized checklist during your free consultation.