Home Loan

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    How it Works?


    1. Share your details and apply to one or multiple banks

    2. Our executive helps you choose the best offer for your requirement.

    3. We pick up documents at your doorstep and submit to the bank

    4. Bank reviews your application and confirms approval.

    Our Bank Partners

    From 8.6% Per Annum

    Max Tenure 25 Years

    From 9.3% Per Annum

    Max Tenure 30 Years

    From 9.15% Per Annum

    Max Tenure 30 Years

    From 8.85% Per Annum

    Max Tenure 30 Years

    From 8.85% Per Annum

    Max Tenure 30 Years

    From 8.6% Per Annum

    Max Tenure 30 Years

    From 8.5% Per Annum

    Max Tenure 30 Years

    From 8.45% Per Annum

    Max Tenure 40 Years

    Home Loans For You

    For Government Employees
    For Private Employees
    Irregular ITR Person
    Self Employee With ITR

    Home Loan Calculator

    Interactive Home Loan Calculator .calculator-container { display: flex; justify-content: center; align-items: center; flex-direction: column; padding: 20px; font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; background-color: #f0f8ff; } .calculator { background-color: #ffffff; padding: 30px; border-radius: 10px; box-shadow: 0 0 20px rgba(0, 0, 0, 0.1); max-width: 400px; width: 100%; text-align: center; } .calculator h1 { color: #333333; margin-bottom: 20px; } .calculator label { display: block; margin-bottom: 10px; font-weight: bold; } .calculator input { width: 100%; padding: 10px; margin-bottom: 15px; border: 1px solid #cccccc; border-radius: 5px; box-sizing: border-box; } .calculator button { width: 100%; padding: 15px; background-color: #007bff; color: #ffffff; border: none; border-radius: 5px; cursor: pointer; font-size: 16px; } .calculator button:hover { background-color: #0056b3; } .result-box { margin-top: 20px; width: 100%; max-width: 300px; padding: 20px; background-color: #ffffff; border-radius: 10px; box-shadow: 0 0 20px rgba(0, 0, 0, 0.1); display: flex; flex-direction: column; align-items: flex-start; text-align: left; font-size: 16px; } .result-item { display: flex; align-items: center; margin-bottom: 10px; } .result-item span { margin-left: 10px; } .check-circle { width: 24px; height: 24px; border-radius: 50%; display: inline-block; text-align: center; line-height: 24px; color: #ffffff; } .principal { background-color: #007bff; } .interest { background-color: #ff6347; } .emi { background-color: #28a745; } .tooltip { position: relative; display: inline-block; cursor: pointer; color: #007bff; } .tooltip .tooltiptext { visibility: hidden; width: 200px; background-color: #555; color: #fff; text-align: center; border-radius: 5px; padding: 5px; position: absolute; z-index: 1; bottom: 125%; left: 50%; margin-left: -100px; opacity: 0; transition: opacity 0.3s; } .tooltip:hover .tooltiptext { visibility: visible; opacity: 1; } /* Media Queries for Mobile */ @media (max-width: 768px) { .calculator { padding: 20px; } .result-box { padding: 15px; max-width: 100%; } } @media (max-width: 480px) { .calculator { padding: 15px; } .calculator h1 { font-size: 1.5rem; } .calculator button { padding: 10px; font-size: 14px; } .result-box { padding: 10px; max-width: 100%; } }

    Home Loan Calculator

    Eligible for EMI Amount: ₹0.00
    Principal Amount: ₹0.00
    Interest Amount: ₹0.00
    function calculatePayment() { var loanAmount = parseFloat(document.getElementById('loanAmount').value); var annualInterestRate = parseFloat(document.getElementById('interestRate').value); var loanTermYears = parseFloat(document.getElementById('loanTerm').value); if (isNaN(loanAmount) || isNaN(annualInterestRate) || isNaN(loanTermYears) || loanAmount <= 0 || annualInterestRate <= 0 || loanTermYears <= 0) { document.getElementById('emiAmount').innerText = "Eligible for EMI Amount: Invalid!"; document.getElementById('principalAmount').innerText = "Principal Amount: Invalid!"; document.getElementById('interestAmount').innerText = "Interest Amount: Invalid!"; return; } var monthlyInterestRate = annualInterestRate / 100 / 12; var numberOfPayments = loanTermYears * 12; var monthlyPayment = loanAmount * monthlyInterestRate / (1 - Math.pow(1 + monthlyInterestRate, -numberOfPayments)); var totalPayment = monthlyPayment * numberOfPayments; var totalInterest = totalPayment - loanAmount; document.getElementById('emiAmount').innerText = "Eligible for EMI Amount: ₹" + monthlyPayment.toFixed(2); document.getElementById('principalAmount').innerText = "Principal Amount: ₹" + loanAmount.toFixed(2); document.getElementById('interestAmount').innerText = "Interest Amount: ₹" + totalInterest.toFixed(2); }

    Required Documents For Home Loan

    1.  KYC documents (identity and address proof)

    2.  Proof of income (salary slips or P&L statement)

    3. Proof of business (for self-employed applicants), and

    4. Account statements for the last 6 months

    Home Loan FAQ's

    Home Loan for Purchase: This common type of loan is used to buy a residential property, whether it’s a resale home, a ready-to-move-in home, or an under-construction property.

    Home Loan for Construction: This loan is specifically for building a house and is available to those who already own a piece of land.

    Home Loan for Renovation: This loan can be used for renovating or improving an existing home.

    Bridge Home Loan: This loan helps those looking to upgrade to a bigger or better home. It covers the funding gap that may occur due to the time lag between selling an existing home and buying a new one.

    Step-Up Home Loan: Aimed primarily at young salaried professionals, this loan allows you to borrow a larger amount than you might qualify for under regular home loans. The EMIs are kept lower during the initial years.

    Balance Transfer Home Loan: This option lets you transfer your existing home loan from one lender to another to benefit from better interest rates.


    Score Below 600: A score below 600 usually indicates high risk. Securing a loan with this score can be challenging. It’s advisable to improve your score before applying for a home loan if it is below 600.

    Score Between 600 and 749: While this range is not considered very good, it still offers a chance for loan approval. Some lenders might approve your loan with this score after considering factors like your income and employment or business status.

    Score of 750 and Above: A score of 750 or above greatly increases your chances of loan approval. Additionally, you are more likely to secure the loan at an attractive interest rate.

    Flexibility to Choose a Tenure: Most banks allow you to choose your home loan tenure, typically ranging from 15 to 30 years. The tenure you select directly affects the EMI you pay each month.

    Comparatively Cheaper than Personal Loans: Home loans generally have lower interest rates compared to personal loans because they are secured loans, whereas personal loans are unsecured.

    Tax Benefits: Home loans offer tax benefits on both the interest and principal amounts paid. You can claim a deduction of up to Rs 2 lakhs annually on the interest paid and up to Rs 1.5 lakhs per year on the principal amount.

    Home Loan Balance Transfer: This feature lets you transfer your outstanding loan balance from one lender to another to benefit from lower interest rates.

    Pay Your Dues on Time: Ensure that you pay all your dues on time, including credit card bills and other loans. Timely payments demonstrate your reliability in repaying loans.

    Keep Checking Your Credit Report: Sometimes, your score may be affected by errors in your credit report. Regularly check your report, and if you find any discrepancies, report them to the credit bureau for correction.

    Optimize the Loan Tenure: When taking a loan, consider choosing a longer tenure. This will keep your EMIs low and help you avoid defaulting on repayments.

    • Make sure your credit score is good. Higher the score, the better.
    • Check if you can afford to pay monthly EMIs from your current income.
    • Research all the loan options available before finalizing an offer.
    • Choose a repayment tenure that’s convenient for you. Shorter tenure means higher EMI, and vice versa.
    • Know the prepayment terms of the loan and the charges applicable.
    • Ask the lender for all the additional charges that may apply to the loan.
    • Lastly, read all the documents carefully before signing.

    The property is finished in terms of building. In other words, if a borrower chooses pre-EMI, they won’t be required to pay the principle until the property is prepared for occupancy. Therefore, the pre-EMI payments will stop and the EMI payments will begin as soon as the property is ready.

    For instance: A 30-year home loan is taken out by someone. The property will be finished in five years. This person will be required to pay interest every month for five years if he chooses to use pre-EMI. This person will begin making regular 30-year EMI payments (principal plus interest) after five years.

    Pay your dues on time: You must pay all your dues on time, including your credit card bills as well as other loans you may have. Timely payments indicate your reliability when it comes to loan repayments.

    Keep checking your credit report: At times, your score may get hit due to certain errors in your credit report. Keep an eye on the report and if there are any discrepancies, report to the credit bureau for correction.

    Optimize the loan tenure: If you are taking a loan, try to choose a longer tenure. This will keep your EMIs low and ensure that you never default on repayments.

    Maintain the right mix of loans: To have a right combination of secured and unsecured loans can also help improve your Credit score. Make sure you repay all the loans on time. This will help create a good credit history.

    Avoid too many loans: You should not take on too many loans at the same time. Having too many loans may indicate high repayment risk. Additionally, if you fail to repay any of the loans, your credit score may get seriously impacted.


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