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Home Loan

Home loans that open the right door.

Buying a flat, building on your plot or moving your existing loan to a lower rate? We compare 70+ lenders and handle the paperwork from sanction to disbursement.

Get a free quote
6.5%Rates from*
90%Max funding
30 yrsMax tenure
EMI estimateIndicative · actual rate depends on your profile
Monthly EMI₹0
Total interest ₹0Total payable ₹0
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What it covers

Built around what you need.

Buy a ready or under-construction home

Flats, row houses and bungalows from approved builders or resale.

Plot + construction

Finance the land and the build in stages as construction progresses.

Renovation & extension

Add a floor, redo interiors or extend your existing home.

Balance transfer + top-up

Move your loan to a lower rate and take extra funds in the same step.

Joint home loans

Add a working spouse or parent as co-applicant to raise eligibility.

NRI home loans

Buy in Pune while working abroad, with documentation handled remotely.

Eligibility

Who qualifies.

Typical lender criteria. Every bank sets its own rules, and we know which ones fit your profile.

Age
21–60 for salaried, up to 65 for self-employed at loan maturity
CIBIL score
700+ to qualify; 750+ usually unlocks the best rates
Income stability
2+ years of work experience or business vintage
Repayment capacity
Total EMIs usually within 50–60% of net monthly income (FOIR)
Property
Clear title and approved building plan; legal and technical check by the lender
Documents

What to keep ready.

A starting list. We'll confirm the exact set for your lender before you collect anything.

  • PAN card
  • Aadhaar card
  • Passport-size photographs
  • Address proof (utility bill, rent agreement or passport)
  • Last 3 months' salary slips (salaried)
  • Last 6 months' salary account bank statement (salaried)
  • Form 16 or ITR for the last 2 years (salaried)
  • Self-employed: ITR, P&L and 12 months' bank statements
  • Sale agreement / allotment letter
  • Title documents and previous chain
  • Approved building plan and society / builder NOC
  • Own-contribution payment receipts
Why use a consultant

What we do that a bank won't.

01

Real rate, not the ad rate

Banks advertise their lowest rate; what you get depends on your profile. We check where your CIBIL and income actually land across lenders.

02

Builder & property checks

We confirm the project is approved by the banks you're considering before you pay the booking amount.

03

Fees negotiated

Processing fees, legal and valuation charges vary widely. We tell you the full cost up front.

FAQ

Home Loan questions.

How much home loan can I get?
Lenders fund up to 90% of the property value for loans up to ₹30 lakh, 80% up to ₹75 lakh and 75% above that (RBI limits). How much you actually get also depends on your income, existing EMIs and age. Share your numbers and we'll work out your realistic eligibility across lenders.
Should I choose a fixed or floating rate?
Most home loans in India are floating and linked to the repo rate, so your EMI or tenure moves when RBI changes rates. Fixed rates are usually higher and often fix only for the first few years. We'll show you both options side by side.
Can I transfer my existing home loan to a lower rate?
Yes. A balance transfer moves your outstanding loan to a new lender at a lower rate, often with a top-up. It's worth it when the rate gap is meaningful and you have a good number of years left. We calculate the actual saving after fees.
Are there charges for prepaying a home loan?
For floating-rate home loans taken by individuals, RBI does not allow prepayment or foreclosure penalties. Fixed-rate loans can carry charges, so check your sanction letter.
Do I get tax benefits on a home loan?
Under the old tax regime, principal repayment may qualify under Section 80C and interest under Section 24(b), within limits. Rules differ under the new regime, so please confirm with your CA.

Talk to Nandini about your home loan.

21 years, 70+ lenders, one conversation. Free, and no obligation.

Call 9881139990 Send an enquiry

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