Plan Smart, Finance Your Home Interiors on EMI!

Dreaming about your picture-perfect home interior, but worried about how much it’s going to cost? Well, you aren’t alone! Having shelled out the big bucks for purchasing their new home, many new homeowners like you are woefully short of funds when it comes to doing up the interiors. This is where home interiors on EMI plans make your home décor journey a whole lot easier.

We’re here to tell you all about Equated Monthly Instalments, or EMIs — flexible payment plans that make repaying loans a breeze. EMIs allow you to distribute the cost of repayment over months or years, as per your financial capability. This frees you up to buy that cosy sofa you’ve been eyeing since forever, or factor in a luxurious bathroom upgrade into your home interior plan!

With the flexibility of an EMI, you can think of moving into your dream home right away. Talk to a HomeLane advisor, and work on a plan with a time frame that works for you. Read on to know more!

Benefits of Interior Design on EMI Plans: How to Make Your Dream Home Possible!

When it comes to home interiors, you’ll find that EMIs truly are a game changer. Here’s why interiors on EMI payments make all the sense in the world:

• You might have run out of liquidity, and don’t know how you can pay for that Zen-inspired bedroom you’ve always wanted, or the modular kitchen that makes cooking a joy. Instead of emptying out your savings account—or breaking your FDs—you can distribute the cost into bite-sized monthly payments that are comfortable and manageable.
• Want to install luxe Italian floors? Or a high-end countertop in the kitchen? You will not have to sacrifice quality over affordability! These are all doable right away, if you opt for home interiors on EMI Don’t think twice—you can start your project immediately, without waiting to get your finances in better shape.
• Here’s an added bonus! You could, potentially, get tax benefits too, as you can claim a deduction on the interest paid for your home loan. Take the loan from a recognised financial institution, and consult with a tax professional about your specific situation.

As you can see, making payments for interior work on EMI plans will help you style your space easily and effortlessly, without any unwanted stress. Break down the costs, and don’t let budget restraints hold you back from the dream home you’ve always wanted!

EMI Vs Lump Sum Payments: Pros and Cons

You could choose to make a lump sum payment, or you can go down the EMI route. Which option should you pick, and why?

To help you make an informed choice, here are the pros and cons of each mode of payment:

As you can see, financing your interior on EMI plans is the smarter way to go. And if you can get interest-free EMI plans, then your payment decision is a no-brainer!

Getting Started with Your EMI Application

Ready to get started with the application for your interior work on EMI? Let’s walk you through our hassle-free interior design EMI options. Here’s what you can expect:

• Your designer will provide a detailed cost breakdown, ensuring complete transparency with no hidden charges or future escalations. This helps you plan your EMI amount perfectly.
• The team will help you understand the eligibility criteria and the terms of repayment.
• Next comes the documentation. Keep these handy for a smooth process:

• • ID proof (Passport/Aadhar/PAN)
  • Address proof
  • Recent income documents (Salary slips/ITR)
  • Bank statements (previous 6 months)
  • Project quotation from our team

• You can choose the duration of repayment and instalment value as per your financial capabilities.
• Once your documents are verified, the loan approval and disbursement happen swiftly, getting you closer to your dream home without delay!

Get Bespoke Design Services from HomeLane, with Easy Interior Design EMI Options!

Our personalised services are now more accessible than ever before with flexible interior design EMI options! Our designers will go the extra mile to understand your needs, lifestyle and budget, and will craft spaces that work perfectly for you.  We’re here to listen, suggest and fine-tune every detail till it feels just right.

Connect with our team to explore various options for your interiors on EMI, so that your home décor journey is as effortless and enjoyable as can be!

FAQs

Have questions? Here’s all that you need to know about home interiors on  :

●       Can we do our home interiors on EMI?

Yes, of course! HomeLane has tied up with reputed financial institutions in your city to offer you the most competitive EMI options in the market.

●       What are the processing fees involved for interior on EMI options?

You will be charged a processing fee for your interior on EMI, based on the project cost. This fee typically starts at INR 399 plus GST.

●       What is the minimum bill value for an EMI plan?

Interior on EMI options are available for purchases of any value. However, interest-free and low-interest EMI plans can only be applied when the product discount is 15% or less.

●       Can my entire bill value be financed?

Yes, it is possible to finance your entire bill amount for your interior on EMI. This could depend on the terms of your financial institution, and some conditions will apply. Check with your EMI provider to understand the details.

●       Can I get a no-cost EMI?

Yes, you can! We offer flexible interior design on EMI options to suit your needs:

• Interest-free no-cost EMI for up to 9 months
• Low-interest EMI plans for periods longer than 9 months

●       Can we do the interior for just one room on EMI?

Yes, you can choose to design just one room initially on your EMI plan, and then work on the interiors for the rest of your home at a later date.