Gaur Bento Home Loan Guide — Financing Your ₹85 Lac Studio

Do Banks Fund Studio Apartments?

Yes — with conditions. Lenders fund studios readily when the project is RERA-registered (Bento: UPRERAPRJ342117), the developer has an approved-project relationship with the bank (standard for Gaurs projects), and the unit has clear residential classification. Under-construction disbursal follows the construction-linked plan once you convert EOI to booking (EOI process here).

The Eligibility Math

Indicative; rates and LTV vary by lender and profile. Rental income potential is generally not counted at sanction for a first unit.

Timing: EOI vs Loan

EOI is paid from your own funds (it's refundable pre-allotment). Get a pre-sanction letter during the EOI window so the booking payment schedule never squeezes you — pre-sanctions are typically valid 3–6 months and cost little or nothing.

Documentation Checklist

• KYC, 6-month bank statements, 3-month salary slips / 2-year ITR (self-employed)
• Existing loan statements (for FOIR calculation)
• EOI receipt and, later, allotment letter + builder-buyer agreement

Adhunik Prop Mart's loan desk works with leading banks and HFCs on Gaurs approvals — we arrange competitive-quote comparisons at no cost. Start your eligibility check, and see the wider Greater Noida home-loan guide for rate-negotiation tactics.