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Home Loan in India for Salaried & Self-Employed
Home Loan
Buy your home with advisor-led clarity
A home loan is a long-tenure secured loan to buy a ready or under-construction residential property — with attractive tax benefits and EMIs spread over up to 30 years. As an intermediary, we compare 30+ banks and housing-finance companies so you get the right structure, a sharp rate, and a clear cost picture before you commit.
We are not a lender — the loan is sanctioned and disbursed by our partner bank or HFC at their discretion. Our advisory is free to you for most retail home loans; we are compensated by the lender, never by hidden charges.
Loan amount*₹5 L – ₹10 Cr
Interest rate*8.5%–10.5% p.a.
Max tenure*Up to 30 yrs
Processing fee*0.25%–1% + GST
Funding (LTV)*Up to 90%
*Indicative and subject to change — the actual amount, rate, tenure, fees and LTV are set by the lender per RBI norms and your profile. See the full disclaimer in the footer.
Who it's for
A home loan that fits your profile
First-time buyers
Stepping out of rent — often with §80EEA benefits available for an eligible first home.
Salaried professionals
The longest tenure and lowest EMI relative to your take-home income.
Self-employed & business
ITR and cash-flow-based underwriting for entrepreneurs and professionals.
Ready & under-construction
Resale, ready-to-move or under-construction homes with stage-wise disbursal.
Features & benefits
Why borrowers choose a home loan with us
Tenure up to 30 years
Spread your EMI over a long tenure to keep monthly outflow comfortable.
Up to 90% funding
Finance up to 90% of property value (RBI LTV bands) — arrange the rest as down payment.
Strong tax benefits
§80C, §24(b) and §80EEA can together save a meaningful amount each year.
Balance transfer & top-up
Move an existing loan to a lower rate and unlock a top-up for renovation or needs.
No prepayment penalty
On floating-rate loans to individuals, RBI does not allow prepayment or foreclosure charges.
30+ lenders compared
One application, a written comparison, and an advisor you can reach by name.
Eligibility
Who qualifies for a home loan
| Criteria | Salaried | Self-employed |
|---|---|---|
| Age | 21–60 years (at maturity) | 21–70 years (at maturity) |
| Income / vintage | Stable monthly income; usually 2+ years of work | Profitable business; usually 3+ years of ITRs |
| Nationality | Resident Indian (NRIs & PIOs — see our NRI Home Loan) | |
| CIBIL score | Typically 700+ helps you qualify for sharper rates; we can still help if it's lower | |
| Property | Clear, marketable title; approved by the lender's legal & technical team | |
| Co-applicant | Optional — adding an earning co-applicant can raise eligibility | |
Eligibility is indicative and finally determined by the lender's policy and credit assessment.
Documents
What you'll typically need
Salaried
- PAN & Aadhaar (KYC), recent photographs
- Latest 3 months' salary slips
- Last 6 months' bank statements (salary account)
- Form 16 / latest 2 years' ITR
- Employment / appointment proof
- Property documents (agreement, chain, approvals)
Self-employed
- PAN & Aadhaar (KYC), recent photographs
- Last 3 years' ITR with computation of income
- Audited financials / P&L & balance sheet
- Last 12 months' bank statements (business & personal)
- Business proof (GST, registration, licence)
- Property documents (agreement, chain, approvals)
Exact documents vary by lender and profile — we share a personalised checklist once we understand your case.
Rates, fees & charges
Indicative cost of a home loan
| Item | Indicative* |
|---|---|
| Interest rate | 8.5% – 10.5% p.a. (floating, linked to repo) |
| Processing fee | 0.25% – 1% of loan amount + GST |
| Prepayment / foreclosure | NIL on floating-rate loans to individuals (RBI) |
| Legal & technical / valuation | ₹2,500 – ₹10,000 (lender / property dependent) |
| Stamp duty & registration | As per state — paid by you, usually not funded |
| Late payment / bounce | Penal interest + flat charge as per sanction |
*Indicative as of the current period and subject to change without notice. Final rates and fees are set by the lender in the sanction letter.
How it works
From first call to disbursal —
four simple steps.
01
Share your goal
Tell us your budget, income and the property — by phone or our web form.
02
Compare & choose
We compare 30+ lenders and present a clear, written shortlist.
03
Documentation & sanction
We prepare your file and coordinate verification, valuation and sanction.
04
Disbursal & beyond
Funds are disbursed — and we stay available for top-ups and queries.
Tax benefits
Save tax on your home loan
§80C — up to ₹1.5 L
Deduction on the principal you repay each year (within the overall §80C limit), for a self-occupied home.
§24(b) — up to ₹2 L
Deduction on the interest paid each year on a self-occupied property. Largest in the early, interest-heavy years.
§80EEA — extra ₹1.5 L
An additional interest deduction for eligible first-time buyers — subject to the sanction-date and other conditions in force, so it is not available to every borrower today. We'll confirm what you can claim.
Tax benefits depend on your situation and the law in force. This is general information, not tax advice — please confirm with a tax professional.
See your EMI and what you could borrow
Free, instant and built for Indian borrowers — with RBI LTV context and §80C / §24(b) tax-saving estimates.
FAQs
Home loan — questions, answered
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 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. The amount is also capped by RBI's LTV limits. Our home loan eligibility calculator gives an indicative figure in seconds.
Most lenders offer 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.
RBI caps the loan-to-value ratio at about 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh, so you arrange roughly 10%–25% as down payment, plus stamp duty and registration which are usually not funded.
For a self-occupied home you can claim up to ₹1.5 lakh a year on principal under §80C and up to ₹2 lakh a year on interest under §24(b). Eligible first-time buyers may also claim an additional ₹1.5 lakh on interest under §80EEA, subject to the conditions in force.
Yes. For an under-construction home the loan is usually disbursed in stages against construction milestones, and you pay pre-EMI interest on the amount disbursed until possession, after which full EMIs begin.
For floating-rate home loans to individuals, RBI does not permit prepayment or foreclosure charges. Fixed-rate loans may carry charges — always check the sanction terms, which we walk you through before you commit.
Indicatively 3–10 working days once your documents are complete. Final timing depends on the lender, property and legal verification, and your credit profile.
Ready to buy your home?
Get a tailored home-loan plan — free, with no obligation.
Tell us your goal and we'll compare 30+ lenders and come back with an honest cost picture.