About Home Loan

To make your home loan journey a smooth sail, Here we help you to know eligibility criteria, rates of interest, process, necessary documents, and transfer for lowest rates.

Buying a home is exciting — and stressful. And although homeownership has a greater payoff than renting because you’re paying to own the home instead of just live in it, it can be difficult to get started with the home-buying process.

Homeownership increases sustainability and stability. Moving from rental to rental is a major inconvenience and a financial and emotional burden.

For finding home loans, click below to get started. We can find lenders who offer online home loans that fit within your budget and fulfill your needs.

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Home Loans

Achieve all your goals and aspirations; with the right kind of help, exactly when you need it.

Loans for Purchase of Land

Several banks offer loans for land purchase. Purchasing a land is a flexible option, the buyer can save funds and construct a house whenever his finances allow or just have the land as an investment.

Loans for Home Purchase

The most popular type of home loan is the loan for purchase of a new or a pre-owned home. This loan is also commonly available and is offered by many banks in different variants. The interest rate is either floating or fixed.

Loans for Construction of a House

A Home Construction Loan is essentially a short-term loan that is given to people who are constructing a building over an empty plot of land. These loans are unique in the sense that your entire loan amount is not disbursed in one go. Depending on the stage of construction, you place draw requests with your lender who then releases the required funds. You pay interest only on the money that you use and not on the total loan amount.

Loans for Home Improvement

Renovation and repair works like external and internal repair, painting, construction of overhead water tank and electrical renovation certainly will make your house look better.

Get financing for whatever you need now

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Features of Home Loan

We at are delighted that you want to acquire your dream home. We want to help you to finance your home with our feature rich home loan financial product. Our home loan comes with numerous features that help you to minimize the cost of financing your home loan. Our lenders rates attractive, formalities minimal, loan process fast, repayment options several, EMIs under your control, disbursal quick, and our support timely.

Features :

  • Loan granted for purchase of site for construction, construction of house, purchase a built apartment or house, renovation, extension or transfer of your existing loan with another lender to available at
  • Inclusion of a family member as a co-applicant which enables you to take a higher loan amount
  • Option of choosing fresh loan, adding to existing loan with top up facility, and transfer a loan from another lender
  • Option of repaying through ECS, Post Dated Cheques , auto debit and deduction against salary
  • Option of choosing EMIs
  • Option to purchase or construct a house in rural areas under our rural housing finance scheme
  • Low home loan interest (4%) scheme under the Pradhan Mantri Yojna Scheme 2017
  • The (bouquet of home loan) features that make taking a home loan effortless

Benefits :

  • Maximum quantum of loan by adding co-applicants' income to your own income
  • Loan amount up to Rs 3 crore; can go up to Rs 10 crore in special cases
  • Attractive and affordable home loan interest rates choice of floating and fixed rates
  • Loan tenure up to 360 months
  • Option to choose your EMIs for repayment
  • Choice of standard home loan or flexi EMI loan
  • No foreclosure charges
  • No prepayment charges for floating rate loan
  • 2% prepayment charges if prepayment is in excess of allowed limits on fixed interest loan
  • Service at your doorstep
  • Fastest processing in the industry
  • Hundreds of approved projects

Home Loan - Eligibility

Any salaried, self-employed or professional Public and Private companies, Government sector employees including Public Sector is eligible for a home loan.


Maximum age of applicant at loan maturity: 60 years


Minimum Net Monthly Income: Rs 15,000

Credit Rating

Applicant should have the bank specified credit score.

Frequently Ask Questions

We have published some of the FAQ's for general guidance, information and assistance of users.In case your unable to get your answers please write to us at

Various family members like father, mother, siblings, etc. can co-sign a home loan with you. other than that your spouse or adult children can also be co-signors in case you are applying for a home loan.

Yes, Part payment or Full payment of home loan is possible according to institution terms and conditions.

In case of a floating rate home loan, lenders don't charge a pre-payment penalty as per RBI directives however a penalty may be applied in case of prepayment a fixed-rate home loan.

Yes, We offer home loan refinancing /balance transfer as per applicant financial eligibility and property value.

As soon as you have decided for a dream home, you should apply for home loan. Meet the Bank / NBFC requirement and get the home loan.

KYC Documents - PAN card,Passport,driving license
Income proof - Income tax return,Salary slips, Appointment letter,
Current loans - Account statements of current loans
Property documents - Sale deed,Property plan

You can apply for a Home Loan at any time once you have decided to purchase or construct a property, even if you have not selected the property or the construction has not commenced.

Below is our Registered Office Address:
A-8, 1st Floor Priyadarshni Vihar,
Above AU small finance Bank,
Delhi - 110092
Email -