Home and property
Home Loan
The largest loan of your life deserves a second opinion before you sign.
Home loans from ₹5 lakh to ₹10 crore at floating rates from about 7.35% p.a., with up to 90% funding and tenures up to 30 years, across banks and housing finance companies.
- Rate from
- 7.35% p.a.
- Amount
- ₹5 L to ₹10 Cr
- Tenure
- 5 to 30 years
- Processing fee
- Nil to 0.5% of the loan amount plus GST
Check home loan eligibility
Free pre-screen across our lender panel. No bureau enquiry.
About home loans
A home loan is a 15 to 30 year relationship, and a difference of 0.25% in rate on a ₹75 lakh loan is worth several lakh rupees over its life. Yet most buyers take whatever the builder's desk or their salary bank offers, because the paperwork feels overwhelming and the decision feels urgent.
We slow it down just enough to get it right. We compare repo-linked rates, processing fees, legal and technical charges, and the fine print on rate resets across banks and housing finance companies, and we tell you which lender is actually cheapest for your property type, your income structure and your loan size. Then we run the documentation, legal verification and technical valuation so the sanction arrives before your booking deadline.
Whether you are buying a ready flat, an under-construction unit, a resale house or a plot to build on, or you want to transfer an expensive existing loan, our desk has processed that exact case before.
Rate note: Repo-linked floating rates for salaried borrowers with strong credit start near 7.35% p.a.; self-employed and lower-score profiles price higher. Funding: Up to 90% for loans up to ₹30 lakh, 80% up to ₹75 lakh, and 75% above ₹75 lakh, as per RBI norms.
Why borrowers choose it
What a home loan through LoansPartner gets you
Lowest effective rate, not lowest headline rate
We compare spreads over the repo rate, reset frequency and fee structure, which is what you actually pay.
Tax deductions on principal and interest
A self-occupied home attracts deductions on both, subject to the tax regime you choose. Section numbering changed with the Income-tax Act, 2025, so confirm the current limits with your tax adviser.
Up to 90% funding
Keep more of your savings for interiors and contingencies.
Builder and project tie-ups
For approved projects, lenders skip repeated legal checks and sanction faster.
Balance transfer and top-up
Move an old, expensive loan to a lower rate and raise extra funds against the same property.
End-to-end documentation
Chain of title, technical valuation, society NOCs: we chase every piece so you do not have to.
Common uses
- Buying a ready or under-construction flat
- Buying a resale house or independent floor
- Plot purchase and self-construction
- Home extension and renovation
- Balance transfer from a higher-rate lender
- Top-up for interiors or a second property
Eligibility
Who qualifies
Norms vary by lender. These are the ranges across our panel; we tell you precisely where your profile fits before you apply.
- Age
- 21 to 65 years at loan maturity (70 for some self-employed cases)
- Income
- Net monthly income of ₹25,000 or more; higher for larger loans
- Credit score
- 725 and above for the finest rates; 700 to 724 with most lenders; below 700 case by case
- Employment
- Salaried with 2+ years of total experience. Self-employed professionals and business owners with 3+ years of business continuity. NRIs with valid work permits, through select lenders
- Also
- Property must have clear title and approved plans
- Also
- Co-applicant income can be clubbed to raise eligibility
Documents
What to keep ready
A complete file is the single biggest driver of a fast sanction. We collect everything digitally in one go.
- PAN, Aadhaar and passport-size photographs
- Last 3 months' salary slips and 6 months' bank statement
- Form 16 for the last 2 years
- Property papers: agreement to sell, allotment letter, chain of title, approved plan, NOC from builder or society
- Own contribution proof (bank statements showing margin money)
- PAN, Aadhaar and photographs
- Last 3 years' ITR with computation, audited financials, and balance sheet
- Last 12 months' current account statements
- Business proof: GST, Udyam, partnership deed or MOA
- Property papers as above
How it works
Five steps, one point of contact
- 01
Tell us about the property (or your budget if you are still searching), your income and any existing loans.
- 02
We compute eligibility across lenders and share a comparison of rate, fees and sanction timeline.
- 03
Documents are collected digitally. Legal and technical verification of the property begins in parallel.
- 04
The lender issues a sanction letter and Key Fact Statement. Registration and disbursal are scheduled around it.
- 05
Funds go to the seller or builder directly. We help set up the EMI mandate and stay on for reset and top-up queries.
Indicative EMIs
What the instalment looks like
Computed at the lowest rate in this product's range. Run your own numbers in the EMI calculator.
| Loan amount | 10 yr | 15 yr | 20 yr | 25 yr |
|---|---|---|---|---|
| ₹5,00,000 | ₹5,896 | ₹4,593 | ₹3,982 | ₹3,646 |
| ₹10,00,000 | ₹11,792 | ₹9,185 | ₹7,964 | ₹7,293 |
| ₹25,00,000 | ₹29,480 | ₹22,963 | ₹19,911 | ₹18,232 |
| ₹50,00,000 | ₹58,960 | ₹45,925 | ₹39,822 | ₹36,463 |
| ₹1,00,00,000 | ₹1,17,920 | ₹91,851 | ₹79,645 | ₹72,926 |
Lenders
Where we place home loan files
A selection from our panel. The best lender for you depends on your profile, city and the property or asset involved.
HDFC Bank
Private bankSalaried professionals seeking competitive personal, home and car loan pricing.
ICICI Bank
Private bankHome buyers in approved projects and businesses needing working capital lines.
Axis Bank
Private bankCorporate salaried borrowers and SMEs with strong banking.
Kotak Mahindra Bank
Private bankSalaried home buyers and self-employed borrowers with property.
State Bank of India
Public sector bankGovernment employees, home buyers seeking the lowest published rates, and education loan applicants.
Bank of Baroda
Public sector bankSalaried home and car buyers and MSMEs seeking bank pricing.
By city
Home Loans in your city
Local property rules, employer categories and lender appetite change what gets approved. Read the city-specific notes.
- Home Loan in Mumbai
- Home Loan in Delhi
- Home Loan in Bengaluru
- Home Loan in Hyderabad
- Home Loan in Chennai
- Home Loan in Kolkata
- Home Loan in Pune
- Home Loan in Ahmedabad
- Home Loan in Gurugram
- Home Loan in Noida
- Home Loan in Jaipur
- Home Loan in Lucknow
- Home Loan in Chandigarh
- Home Loan in Indore
- Home Loan in Surat
- Home Loan in Kochi
FAQs
Home Loan questions, answered
Should I choose a bank or a housing finance company?
Banks typically offer slightly lower repo-linked rates and are stricter on income proof and property approvals. Housing finance companies are more flexible on property types (older buildings, plots, informal income) at a small premium. For a salaried buyer of an approved project, a bank usually wins; for complex cases, an HFC often does.
How is my home loan eligibility calculated?
Lenders work out the EMI you can afford, generally 55% to 65% of net income minus existing EMIs, and convert it to a loan amount using the rate and tenure. The lower of that figure and the loan-to-value cap on the property becomes your eligible amount. Adding a co-applicant's income raises it.
What is a repo-linked or EBLR home loan?
Since October 2019, floating-rate retail loans from banks are linked to an external benchmark, usually the RBI repo rate, plus a fixed spread. When the repo rate moves, your rate follows within a quarter. It is more transparent than the older MCLR system, and we compare the spread, not just today's headline.
Are there prepayment charges on a home loan?
No prepayment or foreclosure charges apply on floating-rate home loans to individuals, as per RBI directions. Fixed-rate loans may attract charges; we highlight this in every comparison.
Can I get a home loan for an under-construction property?
Yes. Lenders disburse in tranches linked to construction stages, and you pay pre-EMI interest only on the amount released until possession. For RERA-registered, lender-approved projects, sanction is faster because the legal check is already done.
How long does a home loan sanction take?
Salaried applicants buying an approved project can see sanction in 3 to 7 working days. Resale and self-employed cases take 10 to 15 days because legal verification and financial assessment take longer.
Related products
Sometimes a different product is cheaper. We will say so.
Home Loan Balance Transfer
Move an existing home loan to a lender offering a lower rate, from about 7.35% p.a., with an optional top-up for renovation or other needs. Savings often run into lakhs over the remaining tenure.
- Rate from
- 7.35% p.a.
- Up to
- ₹10 Cr
Loan Against Property
Loans against residential, commercial or industrial property from ₹10 lakh to ₹15 crore at rates from about 8.75% p.a., with tenures up to 15 to 20 years and funding up to 70% of market value.
- Rate from
- 8.75% p.a.
- Up to
- ₹15 Cr
Personal Loan
Collateral-free personal loans from ₹50,000 to ₹50 lakh at rates starting around 10.25% p.a., with disbursal typically within 48 hours of approval.
- Rate from
- 10.25% p.a.
- Up to
- ₹50 L
Guides
Read before you apply
How to Become a Loan DSA in India (2026 Guide)
A practical guide to becoming a Direct Selling Agent for loans: who qualifies, how registration works, what you earn per product, and the RBI rules you must follow.
Home Loan Balance Transfer: When It Saves Money and When It Does Not
The arithmetic of switching lenders: rate difference, remaining tenure, costs and the repricing alternative, with a worked example and a simple break-even rule.
Understanding Your CIBIL Score and How to Improve It
How the score is built, what each range means to a lender, the five factors that move it, common myths, and a 90-day improvement plan.
Get your home loan shortlist.
Share your requirement in two minutes. Our credit desk pre-screens your profile and calls with lenders, rates and next steps. No fee, no bureau enquiry.