Home loan
Buy, build or renovate your home, or move an existing loan to a lower rate, with tenures of up to 30 years.
- Rates from
- 7.35%
- Amount
- Up to ₹5 crore
- Tenure
- Up to 30 years
- Our charges
- Told upfront
Good for
- Buying a ready flat
- Under-construction property
- Building on your plot
- Renovation or extension
- Balance transfer with top-up
How we help
Whether you are buying your first flat, building on your own plot or transferring an existing loan, a small difference in rate adds up to lakhs over the tenure. We compare banks and housing finance companies on rate, processing fee and how they reset rates when the RBI moves.
We also coordinate the legal and technical checks the bank runs on the property, which is where most home loans get delayed.
Who can apply
- Resident Indian or NRI, aged 21 to 65
- Stable income: salaried, or self-employed with 2 to 3 years of returns
- A property with clear, marketable legal title
- Up to 90% of the property value for loans under ₹30 lakh
Documents to keep ready
- PAN, Aadhaar, and passport if you are an NRI
- Salary slips, 6 months of bank statements, and Form 16 or ITRs
- Sale agreement, title deed and approved building plan
- Builder NOC or allotment letter for under-construction property
- Proof of your own contribution towards the price
Criteria are indicative. The lender makes the final decision on eligibility, rate and amount under its own credit policy.
Estimate your EMI
Your home loan
Indicative. Your final rate depends on the lender and your credit profile.
Common questions
How much can I borrow?
Banks lend 75% to 90% of the property value, depending on the loan size, and keep your total EMIs within roughly 50% to 60% of your monthly income.
Is a balance transfer worth it?
Usually yes if your rate is 0.5% or more above current offers and you have 10 or more years left. We work out the saving after fees before you decide.
From a borrower
I moved my home loan through them and will save over ₹6 lakh in interest across the tenure. They coordinated the legal and valuation checks and kept me updated at every step.
