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Compare Interest Rates, EMI & other details and choose the best Loan.

*PF & ST - Processing Fee & Service Tax , ROI - Rate Of Interest,
EMI - Equated monthly Installment
Below Bank Eligibility      Meets Bank Eligibility

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Based on your net Take Home salary and loan amount

ROI

Loan Eligibility

EMI

Proceesing Fee & Service Tax

Total Loan Cost
Total Interest Payable

Prepayment Charges

Total Loan Cost

* Rates are subjected to change.
* Rates are indicative only. Final rates may depends on the customer profile.

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Now apply for a Home Loan online, All you need to do is provide your details below application form.

Loan Eligibility

EMI

Proceesing Fee & Service Tax

Total Loan Cost

Rate Of Interest
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About Home Loan

A loan that is offered by a bank or financial institution when you intend to purchase or construct a house

  • Home loans begin at Rs. 4 lakhs and can cover up to 80% of the cost of property or construction with an interest rate of 8.5-11.00%
  • The loan can be repaid over a period of 5 to 30 years.

Home Loan Products

Achieve all your goals and aspirations; with the right kind of help, exactly when you need it.

House Purchase Loans

Home Purchase loans are used to finance the purchase of a new residential property or an old house from its previous owners. Get loan amount up to 80 percent of the value of the property. These loans are provided either on fixed interest rates or floating interest rates.

House Construction Loans

House construction loan used to finance the construct a home according to your wish,the process of loan approval is different from normal new purchase loan to constriction home loan.

Home Improvement Loan

Home Renovation/Home Improvement loan is used to finance if you already own a home but lack the funds to renovate your home, a home improvement loan can help. With this loan, you can improve your home like repairs, replacement, painting etc.

Home loan Top Up

Top up loans are taken in order to finance take additional amount on existing home loan during the repayment tenure based on your eligibility. You can avail this option any time during the tenure.

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Features of Home Loan

Choose your amount and Tenure

Get Loan up to 80% (may be 90%) based on the customer repayment capacity,home loan tenures allow easy repayment options to the borrower. Banks provide Home loans for 30 Years subject to the age of retirement.

Applicable for Individuals or Joint

Home Loans can be applied by individual or jointly. Proposed owners of the property will have to be co-applicants. However, the co-applicants need not be co-owners

Best Interest Rates for Women Borrowers

Some Banks offers special interest rates for women borrowers compared to others.

Income Tax Benefit:

Principal repayment under section 80c – Principal can be claimed up to the maximum of Rs. 150,000 under Section 80C. This is subject to the maximum level of Rs 200,000 across all 80C investments. Home loan interest repayment under Section 24 -Interest can be claimed as a deduction under Section 24. You can claim up to Rs. 2,00,000 or the actual interest repaid whichever is lower. This is only allowed when you live in that house.

Home loan- Eligibility

  • 21 years of age for salaried individuals and 25 for self employed
  • 58 years of age for salaried individuals and 65 for self employed
  • Resident Indian/NRI
  • Rs 10,000
  • Salaried/ Self-employed professionals and nonprofessionals
  • *These are general terms only. Policy norms vary from bank to bank and customer to customer.
  • Down payment and repayment of loan :
    Banks require the borrower to fund at least 20% of the entire loan amount as the down payment.
    Home Loans are repaid through Equated Monthly Installments (EMIs) that comprise both the principal and interest.
  • PAN Card, Passport, Driving License, Voter ID, Aadhar Card, Ration Card.
  • PAN Card, Passport, Driving License, Bank Verification Form.
  • Passport, Driving License, Voter ID, Aadhar Card,Mobile/Land line Bill, Rental Agreement, Ration Card, Gas Bond with Bill, Sale Deed, Property Tax,Electricity Bill, Aadhar Card.
  • 6 Months Bank statement.
  • Latest 3 Months Payslips.
  • Company 3 years ITR's- Saral copy, Computation of Income, Profit and Loss Account, Balance Sheet with Schedules.
  • Business Registration certificate, Business Continuity Proof,OD/CC Sanction Letter.
  • Company PAN Card, Individual ITR's, Patnership Deed, Provisional or VAT return copies along with VAT Certificate Copy, OD/CC Sanction Letter.
  • Company PAN Card, Individual ITR's, MOA/AOA, Share holding Pattern, Board Resolution.
  • Sale Deed Copy/Agreement Of Sale, 15 Years Link Documents, 15 Years Encumbrance Certificate, Municipal Sanction Plan, Latest Property Tax Receipt (incase of resale property) and Vendor Pan Card, LRS required for plot loans, Layout copy for plot loans.
  • One Photograph.

Frequently Ask Questions

A:It is not required to finalize the property if you can get pre-approval eligibility. It is valid for 6 months from the date of approval.
A: Fees are essentially costs to be borne by you in addition to the interest on the loan. The fees may be one-time fees or periodic fees (such as quarterly fees) and may depend on the loan amount. The different fees are Processing Fees, Administrative Fees, Prepayment Fees/Penalty etc.

It is possible for a personal loan to be transferred to another bank. The conditions for this transfer are:

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