BASIC Home Loan & Ashiana Housing: Your Ticket to Easier Home Financing in Tier 2 & 3 Cities

At BASIC Home Loan, our goal remains constant – to make homeownership smooth, accessible, and trustworthy. That’s why our latest partnership with Ashiana Housing Ltd., a pioneer in thoughtfully designed living—whether it’s senior living or kid-centric homes in smaller towns—feels like a natural extension of our purpose.

If you’re looking to buy a 2 BHK or 3 BHK in Jaipur or Bhiwadi, here’s what’s exciting: our combined strengths bring digital-first, transparent, and faster home loan access to your fingertips—from registration to disbursement—without piles of paperwork or confusing delays.

And it’s not just about convenience. Through this partnership, we’re scaling up—aiming to disburse over ₹1,000 crore in nationwide home loans by FY 2026, with an initial focus on Ashiana’s high-opportunity regions. That means more trust, more support, and better reach for buyers looking beyond metro areas.

What Does this Partnership Mean for You?

1. Easy to Apply: Schedule a call with us, share a few essential details, and receive tailored loan options.
2. Broader Access, Better Alignment: Review home loan interest rates, fees, and prepayment terms from multiple banks and HFCs (Housing Finance Company) to find a loan that fits your budget and repayment timeline.
3. Quicker, Cleaner Processing: Complete digital KYC, upload documents securely without any hassle. This shortens approval timelines and helps disbursals happen on schedule.
4. Transparent Pricing: Get a full breakdown of EMI, processing fees, legal charges, valuation costs, and any other payable amount upfront. You know exactly what you will pay and when.
5. Support End-to-end: We guide you from eligibility and pre-sanction through sanction, documentation, and final disbursal. Expect proactive updates, reminders for pending items, and help resolving queries with the lender.

Suggested read: BASIC Home Loan Partners with Emperium Pvt. Ltd

Home Loan for 2 BHK in Jaipur: Let’s Do the Math

Let’s break down what it takes to afford a ₹60 lakh home in Jaipur—and how comfortably it can fit into your budget.

Homebuyer Profile

• Property Price: ₹60 lakh
• Loan Amount (up to 80%): ₹48 lakh
• Interest Rate: 8.3% p.a.
• Other Costs: ₹75,000 (~processing, legal, insurance)
• Loan Tenure: 20 years

Based on the standard EMI formula, this works out to around ₹41,050/ month.

Scenario 1: ₹10 LPA Household Income

• Monthly Take‑Home: ~₹83,000
• EMI: ₹41,050
• Leftover: ₹41,950

Bank’s View: EMI accounts for ~49% of your take-home pay, which is on the higher side but within limits. Some banks may request a co-applicant or additional documentation.

Your Reality: You’ll have ₹42,000 left—not much room for savings, emergencies, or leisure. This is still workable if you manage your budgets closely.

Scenario 2: ₹15 LPA Household Income

• Monthly Take‑Home: ~₹1.10 lakh
• EMI: ₹41,050
• Leftover: ₹67,000

Bank’s View: EMI is just ~37% of your take-home—well within the comfort zone for approvals. No co-applicant needed if your CIBIL and documentation are in place.

Your Reality: You’ll have ₹67,000 to cover lifestyle expenses, set aside an emergency fund, or invest for the long term. This makes the journey more sustainable and relaxed.

Suggested read: BASIC Home Loan Partners with SNN Raj Group

Smarter Financing for Every Buyer

A ₹60 lakh 2 BHK feels very different when your income changes from ₹10 LPA to ₹15 LPA. While both scenarios are achievable, the latter gives you breathing room for life beyond EMI.

That’s exactly what our partnership with Ashiana Housing brings to the table—tech-powered convenience, trusted communities, and a lending model built to support homebuyers in smaller cities, where processes are often slow and complex. 

From Jaipur’s upcoming families to seniors in Bhiwadi, our goal is simple: make your home-buying journey clear, supported, and empowering.