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🚀 Special RBI Repo-Linked Home Loan Rates starting at 8.35% p.a.* | Zero Processing Fee Offers
📞 Helpline: 1800-266-9988 (Toll Free)
✓ Official Lending Partner with 30+ Leading Indian Banks

Your Dream Indian Home Begins With The Right Loan

Compare pre-approved loan sanctions from SBI, HDFC Bank, ICICI, and Axis Bank. Avail PMAY subsidies, up to 90% LTV financing, and transparent paperless disbursements.

Calculate Your EMI
₹4,200 Cr+
Disbursed Pan-India
8.35%*
Lowest Interest Rate
48 Hours
Fast Digital Sanctions

Check Free Eligibility

No impact on CIBIL score • Fast sanction

Empanelled with India’s Premier Lending Institutions
SBI Home Loans
HDFC Bank
ICICI Bank
Bank of Baroda
Kotak Mahindra Bank
Axis Bank
PNB Housing
Tata Capital
Smart Financial Planner

Home Loan EMI Calculator

Accurately estimate monthly repayment schedules, total interest outflow, and principal components before finalizing your lender.

Loan Amount ₹ 50,00,000
₹10 Lakhs ₹5 Crores
Interest Rate (p.a.) 8.50%
7.0% 14.0%
Tenure (Years) 20 Years
5 Years 30 Years

*Calculated on reducing monthly balance formula compliant with RBI guidelines.

Monthly Loan EMI
₹ 43,391
Principal Amount ₹ 50,00,000
Total Interest ₹ 54,13,879
Total Payment (Principal + Interest): ₹ 1,04,13,879
Customized Solutions

Indian Home Loan Products

Curated home financing packages tailored to salaried professionals, business owners, and non-resident Indians.

🏠

New Purchase Loan

Financing for newly launched, under-construction, or ready-to-move builder apartments and gated communities.

Rates Starting: 8.35% p.a.
🔄

Balance Transfer + Top-Up

Switch your expensive existing loan to a lower rate, plus obtain a high-value, multi-purpose top-up loan.

Save up to: ₹6.5 Lakhs*
🧱

Plot & Construction

Composite loans for buying residential plots followed by staged construction within 3 to 5 years.

Funding Up To: 80% of Cost
🌏

NRI Home Loans

Bespoke housing finance solutions for Non-Resident Indians investing in prime Indian real estate properties.

Tenure up to: 25 Years
Fast Clearance

Document Checklist & Eligibility

Keep these documents ready for a smooth, single-window 48-hour conditional sanction approval.

✓
KYC Documentation: PAN Card, Aadhaar Card, Passport or Voter ID proof.
✓
Income Proof: Latest 3 months salary slips showing statutory deductions.
✓
Bank Statements: Last 6 months bank statement with salary credit entries.
✓
Tax Records: Latest Form 16 (Part A & B) and 2-year ITR acknowledgments.
Simplified Pathway

From Application to Key Handover

Avoid bureaucratic delays with our tech-enabled end-to-end loan tracking process.

Digital Submission

Submit basic details online and receive instant eligibility insights across our partner banks.

In-Principle Sanction

Obtain an official conditional loan sanction letter within 48 hours for property negotiations.

Legal & Valuation

Our dedicated legal and technical specialists inspect property title deeds and clearances.

Disbursement

Sign digital loan agreements and enjoy smooth disbursement straight to the seller or developer.

TAX SAVINGS UNDER INCOME TAX ACT 1961

Maximize Up to ₹5,00,000 in Annual Deductions

Claim up to ₹1.5 Lakhs under Section 80C for principal repayment, and up to ₹2 Lakhs (or up to ₹3.5 Lakhs for affordable housing) under Section 24(b) for interest paid. Joint home loans allow both co-borrowers to claim these limits separately.

Got Questions?

Frequently Asked Questions

Everything you need to know about Indian housing finance criteria and terms.

What is the minimum CIBIL score required for a prime home loan? +
A CIBIL credit score of 750 or above is generally required to secure the lowest advertised interest rates (starting at 8.35% p.a.). Borrowers with scores between 650 and 749 can still qualify, but may incur slightly higher risk premiums.
How much maximum funding (LTV) can I receive against property cost? +
Under Reserve Bank of India (RBI) guidelines, loans up to ₹30 Lakhs qualify for up to 90% Loan-to-Value (LTV). Loans between ₹30 Lakhs and ₹75 Lakhs qualify for up to 80% LTV, and loans above ₹75 Lakhs qualify for up to 75% LTV.
Are there prepayment or foreclosure charges on floating rate home loans? +
No. In compliance with RBI mandates, banks and Housing Finance Companies (HFCs) cannot charge any prepayment penalties or foreclosure fees to individual borrowers holding floating-rate home loans.
Can I add a co-applicant to increase my loan eligibility? +
Yes. Adding an earning co-applicant—such as your spouse, parents, or son—pools income sources, significantly boosting your loan eligibility and providing tax rebate claims for both borrowers.

HomeNest Loans is a premier Indian digital mortgage advisor. We bridge aspiring homeowners with RBI-registered scheduled commercial banks and housing finance companies.

Corporate Desk

Level 7, BKC Horizon Plaza,
Bandra Kurla Complex, Mumbai, MH – 400051
Email: care@homenestloans.in

Important Disclaimers: HomeNest Loans operates as an independent direct sales associate and loan aggregator. We do not charge upfront consultation fees directly to borrowers. Loan sanctions, interest rate assignments, processing fees, and document approvals remain at the sole discretion of respective partner lending banks. Interest rates vary from 8.35% to 12.50% based on applicant risk profile and repo rate adjustments.
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