What is a Home Loan?
A Home Loan helps individuals and families purchase, construct or renovate a home without having to arrange the entire cost upfront. Buying a home is one of the biggest financial decisions a family makes, and the right home loan — with a competitive interest rate, suitable tenure and manageable EMI — can make that decision far less stressful.
We help salaried and self-employed applicants compare offers across multiple banks and NBFCs to secure a home loan that fits their income, repayment capacity and long-term financial goals.
How a Home Loan Benefits You
- Enables ownership of a home without a large upfront cash outlay
- Long repayment tenures keep EMIs affordable
- Tax benefits available on principal and interest repayment under applicable laws
- Can also be used for home construction, extension or renovation
- Builds a long-term asset while paying in manageable installments
Basic Eligibility for a Home Loan
- Indian resident, salaried or self-employed applicant
- Stable and verifiable source of income
- Good credit score (generally 700+)
- Property with clear title and approved by the lender for financing
- Age and income supporting the requested loan tenure
Loan Details
| Parameter | Details |
|---|---|
| Rate of Interest | 8.5% to 12% per annum |
| Professional Segment | 8% to 10.5% per annum |
| Minimum & Maximum Loan Amount | ₹5 lakhs to ₹5 crores+ |
| Minimum Work Experience | 2 years for self-employed / 1 year for salaried |
| Age Limit | Min 21 years – Max 65 years (at loan maturity) |
Documents Generally Required
- KYC (Aadhaar, PAN)
- Income proof (salary slips / ITR)
- Property documents / sale agreement
- Bank statements (last 6–12 months)