Home Loan
Competitive rates and easy balance transfers to own your space.
Finance the purchase, construction or transfer of your home with tailored home-loan solutions from 60+ partner banks and NBFCs, at some of the most competitive rates available.
Interest rates and terms are indicative and subject to lender approval.
Home Loan
Key features
- Loans up to ₹25 Cr
- Tenure up to 30 years
- Attractive balance-transfer & top-up options
- Minimal documentation, quick sanction
Eligibility
- Salaried or self-employed, aged 21–65
- Stable income and repayment capacity
- Satisfactory credit history
Documents
- KYC (Aadhaar, PAN)
- Income proof (salary slips / ITR)
- Bank statements (12 months)
- Property documents
In depth
Understanding Home Loan
A Home Loan is a secured financing option provided by banks or financial institutions to help individuals purchase, construct, or renovate residential property.
- The Mechanism
- Loan Amount = Property Value - Margin/Down Payment. The purchased property serves as collateral.
- Key Components
- Principal amount, Interest rate, Tenure, and Down payment.
- What the Results Mean
- Approval grants you the funds to acquire property immediately, while making you liable for long-term monthly repayments.
- Smart management
- Maintain a strong credit score to negotiate better interest rates, and make part-prepayments whenever surplus funds are available.
Regulatory source
Regulated by the Reserve Bank of India (RBI) and the National Housing Bank (NHB), which dictate Loan-to-Value (LTV) ratios and risk weights.