Home Loan
Finance a new home, resale property or construction requirement with guided lender selection.
Who Can Apply?
Salaried
Eligibility commonly considers income, age, stability, credit history, existing obligations and repayment capacity. Exact criteria vary by lender.
Self-Employed Business
Eligibility commonly considers income, age, stability, credit history, existing obligations and repayment capacity. Exact criteria vary by lender.
Self-Employed Professional
Eligibility commonly considers income, age, stability, credit history, existing obligations and repayment capacity. Exact criteria vary by lender.
Loan Eligibility
- Income and repayment capacity
- Age and employment or business stability
- Credit history and existing obligations
- Requested amount and tenure
- Property value and documents where secured
Interest Rates
Interest rates vary by lender and applicant profile. They depend on credit history, loan amount, employment or business category, security, banking relationship and market conditions.
Compare OptionsLoan Tenure
Lower monthly EMI
Higher total interest
Higher monthly EMI
Lower total interest
Loan-to-Value / Funding
The percentage of a property's assessed value that a lender may finance depends on the property, loan category, borrower profile and applicable lender and regulatory policy. It is not a universal guaranteed percentage.
EMI Calculator
An estimated planning tool—not a lender offer.
Monthly EMI
₹24,168
Total Interest
₹28,00,271
Total Repayment
₹58,00,271
- Principal
- ₹30,00,000
- Interest
- ₹28,00,271
Documents Required
Salaried
- • PAN and KYC
- • Address proof
- • Salary slips and bank statements
- • Form 16 / income documents
- • Employment proof
- • Property documents where applicable
Self-Employed
- • PAN and KYC
- • Business proof and GST information where applicable
- • Bank statements and ITR
- • Profit & Loss and Balance Sheet
- • Property/security documents where applicable
- • Property documents where applicable
Final document requirements may vary by lender and applicant profile.
Fees & Charges
Possible costs include processing, documentation, valuation and legal charges where applicable, stamp duty, insurance where voluntarily or contractually applicable, and foreclosure or prepayment charges. Actual charges vary by lender and product.
Loan Process
- STEP 1
Submit Requirement
- STEP 2
Profile Review
- STEP 3
Document Collection
- STEP 4
Lender Selection / Application Login
- STEP 5
Credit Assessment
- STEP 6
Sanction
- STEP 7
Disbursement
Already Have a Loan?
Explore a balance transfer for possible interest-cost review, tenure restructuring, top-up needs or service improvement. Savings depend on the full cost comparison and are not guaranteed.
Check Balance Transfer OpportunityCompare Suitable Lending Options
FinanceGuru can help identify suitable participating lending options based on your profile. Maintained lender pricing is not currently available in a structured real-time source, so no fabricated rate table is shown.
Check My OptionsHome Loan FAQs
How is eligibility assessed?
Requirements and terms vary by lender and applicant profile. FinanceGuru can review your requirement and explain suitable available options.
What documents are required?
Requirements and terms vary by lender and applicant profile. FinanceGuru can review your requirement and explain suitable available options.
Can I add a co-applicant?
Requirements and terms vary by lender and applicant profile. FinanceGuru can review your requirement and explain suitable available options.
How do tenure and EMI affect total interest?
Requirements and terms vary by lender and applicant profile. FinanceGuru can review your requirement and explain suitable available options.
Can I prepay the loan?
Requirements and terms vary by lender and applicant profile. FinanceGuru can review your requirement and explain suitable available options.