Home Loan
Buy, build or renovate your home. We match you with lenders from our network of 170+ banks and NBFCs.
Step 1 of 3Loan amount
- Loan amount
- Your details
- Work and address
How much do you need?
Tell us how much you need. We will verify your mobile number with an OTP.
Home Loan
A home loan helps you buy, build or renovate a home and repay over many years. The home itself is the security for the loan.
What is a home loan?
A home loan is a secured loan from a bank or housing finance company. The lender pays part of the property's value and you pay the rest as a down payment. The amount you get depends on your income, age, credit score and the property.
How to apply
- 1Enter the loan amount and verify your mobile number with an OTP.
- 2Share your personal details, then your work and address.
- 3See lenders that match your profile and choose one. Our team calls you to take it forward.
Good to know
- Long repayment periods keep monthly EMIs manageable
- Rates are usually lower than unsecured loans because the home is the security
- Choose a fixed or floating rate, where the lender offers both
- You may be able to claim tax benefits under the Income Tax Act
- Adding a co-applicant, such as your spouse, can raise your eligibility
Frequently asked questions
How much home loan can I get?
It depends on your income, age, credit score, existing EMIs and the value of the property. Lenders fund part of the property's value and you pay the rest as a down payment.
What documents do I need?
Usually your PAN, Aadhaar, address proof, income proof (salary slips or ITRs), bank statements and the property papers.
What is the difference between fixed and floating rates?
A fixed rate stays the same for the agreed period. A floating rate moves with the lender's benchmark rate, so your EMI or tenure can change.
Can I apply with my spouse?
Yes. Adding a co-applicant, such as your spouse or a parent, can raise the amount you are eligible for.
Can I prepay my home loan?
Yes, in part or in full. Whether a charge applies depends on the lender and the type of interest rate, so check your loan terms.
Are there tax benefits?
You may be able to claim deductions on the interest and principal you repay under the Income Tax Act. The rules depend on your tax regime, so check with a tax professional.
Can I move my home loan to another lender?
Yes. This is called a balance transfer. The new lender may charge a processing fee and other costs.
Will applying affect my credit score?
When a lender processes your application, it may check your credit report. Each check is recorded. Many applications in a short time can lower your score, so apply only where you plan to borrow.
Can I finish my application later?
Yes. Open the resume application page, enter the mobile number you applied with and verify the OTP. You continue from the step where you stopped.