Home Loan
Own your home sooner, with the lowest total cost we can find.
Whether it is your first flat, a plot with construction, or a renovation, we compare home loan offers from leading banks and housing finance companies. We look beyond the headline rate at processing fees, insurance bundling and reset terms, so you choose the loan that costs least over its full life.
- Loan amount
- ₹5 lakh to ₹10 crore+
- Tenure
- Up to 30 years
- Funding
- Up to 90% of property value
- Processing
- 7 to 15 working days
Choose the home loan that fits you
Not sure which one is right? Tell us your situation and we'll recommend the best fit.
Home purchase loan
For a ready-to-move or under-construction flat, villa or independent house.
Plot + construction loan
Buy a residential plot and fund construction in stages as the house is built.
Home construction loan
Build on a plot you already own, with disbursal linked to construction progress.
Home renovation loan
Repairs, interiors, flooring, painting or an extra room for your existing home.
Balance transfer
Move your current home loan to a lender with a lower rate and cut your EMI or tenure.
Top-up loan
Extra funds on your existing home loan at home loan rates, for any personal need.
Why people choose our home loan advice
- Long tenures that keep EMIs affordable
- Floating and fixed rate options explained clearly
- Help with property legal and technical checks
- Tax benefits under Sections 24(b) and 80C
- Joint loans with spouse or parents to raise eligibility
- Doorstep document collection
Who can apply, and what it costs
We check your eligibility before applying, so there are no surprises and no unnecessary hits to your credit score.
- Salaried and self-employed individuals, NRIs included
- Age 21 to 65 years at loan maturity
- Stable income with a credit score of 700 or above
- Property with a clear title and approved plan
- Processing fee, usually up to 0.5% to 1% of the loan
- Legal and technical valuation charges
- Stamp duty and registration on the mortgage
- No prepayment penalty on floating-rate loans for individuals
Home Loan interest rate: what decides it?
Home Loan interest rates change with the market and differ from lender to lender, and even between two applicants at the same bank. These are the factors that decide the rate you are offered.
What it depends on
- Credit (CIBIL) score: 750 and above usually gets the best rates
- Income, job or business stability and employer profile
- Existing EMIs compared with your income (FOIR)
- Loan amount, tenure and, for secured loans, the loan-to-value ratio
- Fixed or floating rate, and the lender's benchmark (repo / EBLR / MCLR)
- Processing fees and offers running at that lender
How to get a lower rate
- Compare several banks and NBFCs before applying; we do this for you
- Improve your credit score and clear small dues first
- Add an earning co-applicant to raise eligibility
- Negotiate the processing fee, not only the interest rate
- Review your loan every year and switch if a better rate is available
Documents required for Home Loan
Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.
Document Proof
9 items- Aadhaar Card
- PAN Card
- Voter Card
- Driving Licence
- Utility Bill (Electricity / Water)
- Passport
- Agreement to Sell
- Proposed Property Papers
- Login Cheque
Income Proof
4 items- Income Tax Return (2 yrs)
- Bank Statement (12 months)
- Current Salary Slip (if salaried)
- Form 16 (if salaried)
Document Proof
10 items- Utility Bill (Electricity / Water / Telephone)
- Bank Statement
- GST Certificate
- Udyam Certificate
- Aadhaar Card
- PAN Card
- Passport
- Agreement to Sell
- Proposed Property Papers
- Login Cheque
Income Proof
3 items- Income Tax Return (2 yrs)
- GSTR (3 yrs)
- Bank Statement (12 months)
Document Proof
9 items- Utility Bill (Electricity / Water)
- Bank Statement
- GST Certificate
- Company PAN Card
- MOA / AOA / COI
- Udyam Certificate
- Agreement to Sell
- Proposed Property Papers
- Login Cheque
Income Proof
5 items- Income Tax Return (2 yrs)
- GSTR (3 yrs)
- Bank Statement (12 months)
- Audited Balance Sheet (2 yrs)
- Complete Balance Sheet with Audit Report (3 yrs)
The exact list can vary by lender and your profile. Not sure what applies to you? Our advisor will confirm in one call.
From first call to disbursal
Scroll through the steps to see what we do at each stage.
Expert tips before you apply
- 1Compare the total cost (rate plus fees) over the full tenure, not just the EMI.
- 2Add a co-applicant with income to qualify for a bigger loan.
- 3Make part-prepayments early in the tenure; that is when they save the most interest.
Home Loan: common questions
Talk to an expert today
Share a few details and we will call you back. The first consultation is free.
- Call us+91 92122 66375
- WhatsAppChat with an advisor
- Office hoursMon to Sat, 10:00 am to 7:00 pm
Request a call back
We usually respond the same working day.
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Speak to an advisor today. Free consultation, honest advice, and help with every document.