Product · Home Loan

Home loans from 7.15% p.a., compared across 60+ lenders

Whether you're buying your first flat or an under-construction unit, we shortlist lenders likely to approve your profile before you apply — so you're not collecting rejections.

Rate ledger

Current home loan offers

Lender
Rate (p.a.)
Max tenure
Processing fee
Union Bank of India
7.15% – 9.10%
30 years
₹15,000 + GST
Canara Bank
7.20% – 9.35%
30 years
0.5% + GST
HDFC Bank
7.25% – 8.85%
30 years
0.5%, max ₹15,000
State Bank of India
7.30% – 9.25%
30 years
₹10,000 + GST

*Indicative rates as of publish date. Final rate depends on credit profile, income and property.

Eligibility

Who qualifies

Age

21–65 years

At loan maturity, most lenders cap the borrower's age at 65–70 depending on employment type.

Income

₹25,000+ per month

Salaried or self-employed, with consistent income documentation for the last 2–3 years.

Credit

700+ CIBIL score

Below 700 isn't disqualifying — we know which NBFCs work with thinner credit files.

Documents

What you'll need to apply

PAN card and Aadhaar card
Last 3 months' salary slips (salaried)
Last 2 years' ITR (self-employed)
Bank statements, last 6 months
Property documents / sale agreement
Passport-size photographs
FAQ

Common questions

How much home loan can I get?

Most lenders finance up to 80–90% of the property value, subject to your income-based eligibility. Use our EMI calculator for a quick estimate, or check exact eligibility with an advisor.

Does checking my rate affect my credit score?

No. Our initial eligibility check uses a soft enquiry that does not impact your CIBIL score. A hard enquiry only happens once you formally apply with a chosen lender.

Can I switch lenders after disbursal?

Yes, through a balance transfer once your loan is a few months old. See our Balance Transfer page for details.

See your personalised home loan offers

Takes about a minute. No impact on your credit score.