Home loan
Home loans, compared across lenders for you
Buying a flat, building on your plot, extending your home or moving an existing loan to a better lender — our consultants find the home loan that fits your income and plans.
- Purchase, construction, extension and balance transfer
- Top-up on an existing home loan
- Check for current government housing subsidies
- Guidance for NRI applicants
Home loans we arrange
Home purchase: for a new or resale flat or house.
Home construction: to build your home on a plot you own.
Home extension or renovation: to add space or improve your existing home.
Balance transfer with top-up: move your existing home loan to a lender with better terms, and borrow more if you need to.
NRI home loans: for Indians living abroad who want to buy a home in India.
Government schemes such as PMAY change from time to time. Your consultant checks whether you qualify for any subsidy that is currently available.
Documents usually needed
- PAN card and Aadhaar (or other address proof)
- Passport-size photographs
- Income proof: salary slips and Form 16, or ITRs with computation for the self-employed
- Bank statements for the last 6 to 12 months
- Property papers: agreement for sale, title documents, approved plan
Download the full home loan documents checklist (PDF)
Your consultant confirms the exact list for the lender you choose.
Who is eligible
Salaried and self-employed applicants can apply. Lenders mainly look at:
Income and stability
Your income, how long you have been in your job or business, and your other EMIs decide how much you can borrow.
Age and tenure
The loan usually has to be repaid before retirement, which sets the longest tenure available to you.
Credit history
A good credit score (generally 750 or above) and a clean repayment record give you more choice of lenders.
A co-applicant helps
Adding an earning co-applicant — such as your spouse or a parent — can raise the amount you are eligible for.
What you get
Long tenure
Home loans usually run for the longest tenure of any loan, which keeps the EMI manageable.
Tax benefits
Interest and principal repaid may qualify for income-tax deductions — check the current rules with your tax consultant.
Balance transfer
If your current lender’s rate is high, moving the loan can reduce your EMI or total interest.
Legal and technical check
We review the property papers before you commit, so problems surface early, not at sanction.
Work out your EMI
Change the amount, rate and tenure to see how the monthly instalment and total interest move. A longer tenure lowers the EMI but raises the total interest you pay.
Your consultant will show you the actual figures from each lender before you decide.
EMI calculator
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Example figures only. Your actual rate, fees and EMI depend on the lender and your profile.
Ready to compare offers?
Tell us what you need and a consultant will call you back — usually within one working day. The first consultation is free.