HOME FINANCE

Home Loan to Build Your Dream Home

Purchase • Construction • Renovation • Plot • Extension

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₹10 Crores
Maximum Loan
8.5%
Interest From
30 Years
Max Tenure
90%
LTV Ratio

Why Choose Our Home Loan?

Lowest interest rates with flexible repayment options

Lowest Interest Rates

Starting from 8.5% p.a. with competitive rates from 50+ lenders

High Loan Amount

Get up to 90% of property value as loan, maximum ₹10 crores

Long Repayment Tenure

Flexible tenure up to 30 years for comfortable EMI

Tax Benefits

Save up to ₹3.5 lakhs annually under Section 80C & 24(b)

Quick Approval

Fast processing and disbursal within 7-10 working days

Balance Transfer

Easy balance transfer and top-up loan options available

LOAN TYPES

Types of Home Loans

Home Purchase Loan
Home Construction Loan
Home Renovation Loan
Plot Purchase Loan
Home Extension Loan
Balance Transfer
Home Loan Top-Up
Under Construction Property

Eligibility Criteria

  • Age: 21 to 65 years (at loan maturity)
  • Income: Min ₹25,000/month (Salaried)
  • Employment: 2+ years experience (Salaried)
  • CIBIL Score: 750+ (Preferred)
  • Property: Clear & marketable title

Documents Required

Aadhaar & PAN Card

Salary Slips (3 months)

Bank Statement (6 months)

Property Documents

Address Proof

Passport Size Photos

FINANCIAL PLANNING TOOLS

EMI & Balance Transfer Calculator

Calculate your home loan EMI or compare balance transfer savings

₹50,00,000
₹1L ₹10Cr
8.5%
5% 15%
20 Years
1Y 30Y
Monthly EMI
₹43,391
Principal Amount
₹50,00,000
Total Interest
₹54,13,840
Total Payment
₹1,04,13,840
Principal: 48.0%
Interest: 52.0%
₹50,00,000
₹1L ₹10Cr
20 Years
1Y 30Y
8.5%
5% 15%
7.5%
5% 15%
Current EMI
₹43,391
New EMI
₹40,280
💰
Total Savings with Balance Transfer
₹7,46,640
Monthly Savings: ₹3,111 • Over 20 years
Current Total Payment
₹1,04,13,840
New Total Payment
₹96,67,200
Apply for Home Loan Get Expert Advice

HOME LOAN FAQS

Frequently Asked Questions

What is the maximum loan amount for home purchase?

You can get home loans up to ₹10 crores or 90% of the property value (whichever is lower). The exact amount depends on your income, existing liabilities, credit score, and property value.

What tax benefits do I get on home loans?

You can claim up to ₹1.5 lakhs deduction on principal repayment under Section 80C and up to ₹2 lakhs on interest payment under Section 24(b). First-time homebuyers get additional ₹50,000 under Section 80EEA.

Can I get a home loan for under-construction property?

Yes, home loans are available for under-construction properties from approved builders. The loan is disbursed in stages based on construction progress. You pay only interest during construction period; EMI starts after possession.

What is the processing time for home loan?

With complete documentation, home loan approval takes 5-7 working days. Technical and legal verification of property takes another 3-5 days. Total disbursal time is typically 10-15 working days.

Can I prepay my home loan without penalty?

Most banks do not charge prepayment penalty on floating rate home loans. For fixed rate loans, some banks may charge 2-3% prepayment charges. We help you choose loans with minimal or no prepayment penalties.

Ready to Buy Your Dream Home?

Get instant home loan approval with lowest interest rates

Apply via WhatsApp Email: ops.finarrow@gmail.com