A Home Loan DSA coordinates two connected reviews: the borrower's ability to repay and the lender's assessment of the property. The partner helps organize the enquiry, but the lender controls eligibility, pricing, legal acceptance, valuation, sanction and disbursal.
Start with the transaction type
Clarify whether the customer is:
- Purchasing from a builder.
- Buying a resale property.
- Constructing or renovating a home.
- Considering a balance transfer or top-up.
- Applying as a resident or under an available NRI product.
Each journey can require a different property and borrower file.
Borrower information
The lender may review KYC, verified income, banking, existing obligations, credit history and co-applicant information. Accepted documents and income methods vary for salaried and self-employed applicants.
A co-applicant does not automatically increase eligibility. The lender determines whose income can be considered and what ownership or relationship conditions apply.
Property information
Property review may involve title records, agreement or allotment papers, approvals, tax receipts, builder or society information and lender-led legal or technical checks. The DSA coordinates the initial information but does not certify title or value.
What LTV means
Loan-to-value is the loan amount compared with the value accepted by the lender. RBI guidance contains housing-finance risk limits, while each lender and product applies its own operating policy. A DSA should not quote one LTV percentage as a promise.
Why timelines vary
A home-loan journey can include borrower verification, property checks, valuation and sanction-condition closure. Missing information or property issues can add time. Communicate the current status rather than a fixed disbursal date.
Balance-transfer enquiries
A lower advertised rate does not by itself prove that a transfer is beneficial. The new lender may assess borrower eligibility, property acceptability, outstanding balance, remaining tenure and applicable costs.
Frequently Asked Questions
Q: Does the DSA approve the property?
A: No. The lender controls its legal, technical and valuation process.
Q: Is every residential property eligible?
A: No. Project, title, approvals, location and lender policy all matter.
Q: Can an NRI case be referred?
A: An available NRI product may consider it, subject to its country, KYC, income and property rules.
Q: Does a balance transfer always reduce total borrowing cost?
A: No. The new rate, fees, remaining tenure, outstanding balance and lender terms all need to be compared.
Review the commercial Home Loan DSA page for the partner path.
*Shreeji Finance is a DSA/referral partner platform and loan-assistance intermediary, not a lender. The relevant lender decides eligibility, pricing, sanction, approval, credit limit and disbursal. Product and lender availability varies by location, profile, serviceability and current policy. Commission structure and eligibility vary and become payable only under applicable terms after the relevant bank or lender confirmation; no approval, income or payout should be treated as certain.*
Ready to review partner onboarding?
Read the Shreeji Finance DSA Partner Program page before submitting your profile. Portal access and payout eligibility remain subject to internal review and applicable partner terms.
View DSA Partner Program