Home Loans
Home loans are long-tenure secured loans used to buy a new home, resale property, or fund construction. Rates are among the lowest of any retail loan. We compare 25+ banks and housing finance companies so you lock in the cheapest EMI for a 20-30 year commitment.
Talk to an AdvisorInterest Rate
8.35% - 10.5% p.a.
Max Amount
Up to ₹5 Cr
Tenure
5 - 30 Years
Speed
7 day sanction
25+ lenders • Partner banks & NBFCs
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Key features
Lowest floor rates
Rates starting at 8.35% p.a. - among the cheapest retail credit in India.
Up to 90% funding
Loan-to-value up to 90% for properties under ₹30 L, up to 80% for higher values.
Tax benefits
Deduction up to ₹2 L on interest u/s 24(b) and ₹1.5 L on principal u/s 80C.
Balance transfer
Move an existing high-rate home loan to a lower-rate lender with zero foreclosure charges.
Eligibility
- Age: 21 to 70 years at loan maturity
- Minimum net monthly income: ₹30,000 (salaried) / ₹5 L annual (self-employed)
- Employment: 2+ years total work experience
- Credit score: 750+ recommended for lowest rates
Documents required
- PAN, Aadhaar and passport-sized photographs
- Latest 6 months' salary slips or 3 years' ITR
- 6 months' bank statement of salary account
- Property documents: sale agreement, title chain, approved plan
- Employer confirmation / business proof
Frequently asked questions
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