Senior Living Citizens Foundation Emblem
Senior Living
Citizens Foundation · National
Home Loans & Finance Available

Home Loans, Made Straightforward.

We've structured financing to be as transparent as ownership. Plotted development loans up to 75–80% LTV, 3 structured payment plans, and tax deductions.

14, 15 & 16 • Pricing, Payment Options & Rental Proposition

Transparent Pricing. Straightforward Plans.

Down Payment Plan starting at ₹25 Lakhs for senior residences with ₹25,000/month rental return till possession, ₹12,500/month rental return after possession, and 100% direct freehold land registration.

Plan 1₹25,000/mo Rental Return
₹25 Lakh Upfront

Down Payment Plan (Assured Rental)

₹25 Lakh paid upfront with 100% direct freehold land registry share. Includes ₹25,000/month rental return till possession, and ₹12,500/month rental return after possession.

Down Payment on Booking₹25 Lakh (100%)
Rental Return Till Possession₹25,000 / Month
Rental Return After Possession₹12,500 / Month
Land OwnershipDirect Freehold Registry
₹25k/mo Till Possession • ₹12.5k/mo Post-Possession • 100% Freehold Registry
Plan 2Most Popular
50:50

50:50 Flexi Payment Plan

Split 50% (₹12.50 Lakh) prior to start of construction with ₹6,250/month rental return till possession, and 50% (₹12.50 Lakh) post completion of construction with ₹12,500/month rental return after possession.

Prior to Start of Construction (50%)₹12.50 Lakh
Rental Return Till Possession (1st Half)₹6,250 / Month
Post Completion of Construction (50%)₹12.50 Lakh
Rental Return After Possession₹12,500 / Month
₹6,250/mo Till Possession • ₹12,500/mo Post-Possession • 50:50 Staged
Plan 3Progressive Staging
5 × ₹5 Lakh Lenter Slabs

Construction Linked Plan (CLP)

Transparent 5-stage milestone payments tied directly to on-ground physical construction progress and slab (lenter) casting.

1. Booking & Plinth / Foundation₹5.00 Lakh (20%)
2. 1st Lenter (Ground Floor Slab)₹5.00 Lakh (20%)
3. 2nd Lenter (First Floor Slab)₹5.00 Lakh (20%)
4. 3rd Lenter (Roof Slab & Brickwork)₹5.00 Lakh (20%)
5. Finishing, Registry & Possession₹5.00 Lakh (20%)
5 Stages @ ₹5 Lakh Each • Total ₹25 Lakhs • Milestone Audited
Scan and Pay — Senior Living Citizens Foundation UPI QR (Collection Account ...0166)
Reserve with ₹1 Lakh EOI

Scan & Pay via UPI — M/S. Senior Living Citizens Foundation

Official ICICI Bank collection account (ending ...0166). We strongly recommend confirming your unit/plot selection with our sales desk on WhatsApp before paying, so we can send you a signed receipt and hold your allotment.

Assured Commercial Terms

Assured Monthly Rental Returns & Capital Safety Policy

Structured monthly returns credited directly to allottees during construction and post-possession.

Plan 1: Pre-Possession
₹25,000 / mo

Credited directly to your bank account every month until physical possession on ₹25L Down Payment.

Plan 2: Pre-Possession
₹6,250 / mo

Paid monthly on initial 50% payment (₹12.5L) from clearance until possession handover.

Post-Possession Return
₹12,500 / mo

Guaranteed monthly rental income under Foundation senior occupancy management pool.

Capital Exit Safety
₹25L + FD Rate

100% buyback of down payment plus prevailing FD rate interest on exit or emergency.

Rental returns and terms are governed by the Foundation's official booking agreement. ₹25,000/month is paid pre-possession until handover, followed by ₹12,500/month post-possession under an assured return policy with capital safety security.
Parking & Terrace Rights
Uncovered Parking
One uncovered parking space with every apartment.
Included Free
Covered Parking
Optional, purchased separately.
₹3,00,000 / slot
Terrace Rights
Registered separately from the apartment. Availability depends on floor.
₹3,00,000
Structured Buyback Exit Policy

If the owner wishes to exit or in case of an emergency, the Foundation offers a full buyback of the ₹25 Lakh down payment plus prevailing Fixed Deposit rate interest (7%–8% p.a.).

Capital Interest Rate:7% – 8% p.a. (FD Rate Indicative)
*Buyback terms are as per the Foundation's stated policy and are subject to a signed agreement at the time of purchase.
Interactive EMI Calculator

Estimate your monthly outflow.

Loan Amount₹30,00,000
₹5 Lakhs₹1.5 Crores
Interest Rate (% per annum)8.75%
7.5%12.0%
Tenure (Years)20 Years (240 Months)
5 Years30 Years
Estimated Monthly EMI
₹26,511 / month
Total Interest
₹33,62,717
Total Payment
₹63,62,717

* Indicative calculation. Actual loan rate depends on the applicant's credit score, bank guidelines, and down payment.

Loan Parameters & Eligibility

Loan-to-Value (LTV)Up to 75–80% of property value
Minimum Loan Amount₹5 Lakhs
Maximum TenureUp to 30 years
Eligibility AgeUp to 70 years at loan maturity
Income ProofSalary slips / ITR (3 years)
Processing Fee0.5% – 1% of loan amount
Part PrepaymentFree (floating rate loans)
ForeclosureFree after 6 months

Tax Deductions Under Indian IT Act

Section 80CPrincipal Repayment Deduction
Up to ₹1.5 Lakhs per financial year on principal loan repayment.
Section 24(b)Interest Payment Deduction
Up to ₹2.0 Lakhs per financial year on interest paid for self-occupied home.
Direct Banking & Registry Assistance

Our sales and finance desk provides end-to-end documentation assistance for home loans, registry drafting at Farrukhnagar Tehsil, and legal verification.