Frequently Asked Questions

For most retail loans our advisory is free to you — we are compensated by the partner lender on a successful disbursal. Any third-party or statutory charges, such as the lender's processing fee, legal and valuation charges, stamp duty and GST, are payable to those parties and are disclosed to you in writing upfront. You will never face a hidden charge from us.

We cover the full property-finance stack: home, plot, construction, extension, improvement, NRI home, commercial property, loan against property (LAP), lease rental discounting (LRD) and real-estate developer finance. We also offer guidance on personal and education loans, and our free calculators help you estimate EMIs and eligibility before you apply.

It is four simple steps. First, share your goal, income and the property. We then compare 30+ lenders and present a clear, written shortlist. Next we help you with documentation, and coordinate the lender's verification, valuation and sanction. Finally the loan is disbursed — and we stay available for queries and top-ups afterwards.

Home loan rates are indicatively 8.5%–10.5% p.a. and depend on the lender, your CIBIL score, the loan amount and whether the rate is floating or fixed. We compare 30+ lenders to find your sharpest rate; the final rate is always set by the lender.

Lenders use FOIR — typically 50%–65% of your net monthly income minus existing EMIs — to decide the EMI you can afford, then work back to a loan amount over your chosen tenure. Use our home loan eligibility calculator for an indicative figure in seconds; the lender confirms the final amount.

Most lenders offer a home loan tenure of up to 30 years, capped by your age at loan maturity (often around 70). A longer tenure lowers the EMI but increases the total interest you pay over the life of the loan.

RBI caps the loan-to-value (LTV) ratio at about 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh. So you typically arrange roughly 10%–25% of the property value as down payment, plus stamp duty and registration, which are usually not funded by the loan.

For a self-occupied home you can claim up to ₹1.5 lakh a year on principal repayment under §80C and up to ₹2 lakh a year on interest under §24(b). Eligible first-time buyers may also claim an additional deduction on interest under §80EEA, subject to the conditions in force. Benefits depend on your tax regime and individual circumstances.

For floating-rate home loans to individuals, RBI does not permit prepayment or foreclosure charges, so you can prepay penalty-free. Fixed-rate loans may carry charges — always check the sanction terms, which we walk you through before you commit.

Yes. NRIs and PIOs can take a FEMA-compliant home loan to buy property in India, with repayment through NRE or NRO accounts and a Power of Attorney (PoA) usually required for documentation. See our NRI Home Loan page for eligibility, documents and the indicative rate band.

Our calculators give indicative estimates based on the inputs and assumptions you provide, using standard monthly-rest EMI math. They are a helpful planning tool, but the lender confirms the final rate, EMI, eligibility and tax benefits at the time of sanction and disbursal.

Indicatively 3–10 working days once your documents are complete. The exact timeline depends on the lender, the property and legal verification, the valuation, and your credit profile. We prepare your file carefully to help avoid avoidable delays.

A single, well-prepared application to the right-fit lender avoids the multiple hard enquiries that can dent your CIBIL score when you apply to many lenders at once. Working with us means we shortlist the lender before applying. Note that the rate is set by the lender, not by us.