Home Loans Made Affordable
Compare offers from leading banks and save on your EMI.
About Home Loans
Who it's for
- Salaried and self-employed buying a new home
- Home construction or renovation projects
- Balance transfer to reduce EMI or top-up
When to choose
- You want lowest possible rate with long tenure
- You're doing balance transfer to reduce EMI
- Need top-up for additional funding
Key Features
- Ticket sizes from ₹10L to ₹5Cr+ (property value dependent)
- Tenure up to 30 years
- BT + Top-up available
Eligibility Snapshot
- Income stability, FOIR norms (typically ≤ 40–50% of net income)
- Property legal/technical clearance
Documents
- KYC, income docs (salary slips/ITR), bank statements
- Property documents: Agreement to sell, chain of title, NOC, etc.
Home Loan Calculator
EMI Calculation
₹21,696
EMI / month
Total Interest: ₹2,707,040
Total Payable: ₹5,207,040
Amortization Table
| Month | EMI (₹) | Principal (₹) | Interest (₹) | Balance (₹) |
|---|---|---|---|---|
| 1 | 21,696 | 3,988 | 17,708 | 2,496,012 |
| 2 | 21,696 | 4,016 | 17,680 | 2,491,996 |
| 3 | 21,696 | 4,044 | 17,652 | 2,487,952 |
| 4 | 21,696 | 4,073 | 17,623 | 2,483,879 |
| 5 | 21,696 | 4,102 | 17,594 | 2,479,777 |
| 6 | 21,696 | 4,131 | 17,565 | 2,475,646 |
| 7 | 21,696 | 4,160 | 17,536 | 2,471,486 |
| 8 | 21,696 | 4,190 | 17,506 | 2,467,296 |
| 9 | 21,696 | 4,219 | 17,477 | 2,463,077 |
| 10 | 21,696 | 4,249 | 17,447 | 2,458,828 |
| 11 | 21,696 | 4,279 | 17,417 | 2,454,549 |
| 12 | 21,696 | 4,310 | 17,386 | 2,450,239 |
Partner Lenders
SBI Home Loans
Competitive salaried rates
HDFC Home Loans
Doorstep service
LIC Housing
Long tenure flexibility
PNB Housing
Quick sanction TAT
ICICI Home Loans
Balance transfer specialists
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Home Loan Handbook — save lakhs via balance transfer and rate hacks.
FAQs — Home Loan (unique)
How much can I borrow against my income?
Typically, you can borrow up to 80-90% of the property value. Your loan eligibility is calculated based on your income, existing obligations, and FOIR (typically 40-50% of net income). Higher income and good credit score can increase eligibility.
What is FOIR and how does it affect me?
FOIR (Fixed Obligation to Income Ratio) is the percentage of your monthly income that goes towards loan EMIs. Most lenders prefer FOIR below 40-50%. Lower FOIR means higher loan eligibility and better interest rates.
Balance transfer vs top-up — when to use?
Balance transfer helps reduce EMI with lower interest rates from a new lender. Top-up provides additional funds at home loan rates (lower than personal loans). Use BT for rate reduction, top-up for additional funding needs.
What documents are needed for property verification?
Property documents include Agreement to Sell, Chain of Title, Approved Building Plan, NOC from Builder/Society, Property Tax receipts, and Encumbrance Certificate. Legal and technical verification is mandatory.
Typical time for sanction and disbursal?
Home loan sanction typically takes 7-15 days with complete documentation. Disbursal happens in stages - after agreement execution, construction milestones, and final completion. Ready property loans disburse faster than under-construction.
Ready for Your Dream Home?
Get the best home loan rates and make your homeownership dreams come true
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