Your Dream Home Starts Here
Professional home loan guidance for Indian buyers — understand your borrowing power, compare what lenders actually offer, and build a file that stands up to scrutiny before you sign anything.
- Bank-agnostic advice
- Fees explained upfront
- Privacy-first process
The calculators on this page are illustrative estimates. Final interest rate, tenure and approval rest entirely with the lender.
Six borrowing routes, one honest conversation
Different goals need different structures. We help you pick the product that fits your income, your property and how long you plan to hold it.
Home Loan
Buy a ready or under-construction home with a repayment plan matched to your cash flow.
- Long tenures to lower the monthly outgo
- Fixed, floating or hybrid rate options
- Joint applicants can add income
Loan Against Property
Unlock the value of a residential or commercial property you already own, without selling it.
- Residential and commercial security
- Can be used for business or personal needs
- Property must be free of legal disputes
Personal Loan
For interiors, registration, GST or the small gaps that home buying always leaves behind.
- Unsecured — no property collateral
- Usually a higher rate than a secured home loan
- Short tenures, quick documentation
Home Construction Loan
Stage-wise funding for a self-built home on land you already own.
- Released in stages against progress
- Approved building plan is essential
- Site inspection support from the lender
Plot / Site Purchase Loan
Finance the land now and plan the build later, subject to the lender’s policy.
- Approved layouts and clear titles preferred
- Often shorter tenures than a home loan
- Combination options vary by lender
Home Loan Balance Transfer
Move an existing home loan to better terms — but only when the numbers genuinely work.
- Break-even check on fees and charges
- Top-up possibility on eligible files
- Remaining tenure and rate both reviewed
Product availability, interest rates and eligibility rules are set by individual lenders and change from time to time. Nothing here is an offer or a sanction.
A file that is prepared, not just submitted
Most delays in Indian home loans come from paperwork and mismatched lender policies, not from the borrower. Our job is to remove both.
Loan expertise
A dedicated home loan desk — not a side business. Purchase, construction, plot and transfer files are what we handle every week.
Bank selection guidance
We map your profile against lender policies on income, age, property type and location — then explain the trade-offs plainly.
Eligibility assessment
A realistic view of your borrowing power — including existing EMIs, dependants and other credit obligations that lenders count.
Documentation support
A checklist built for your employment type, so you know exactly what to arrange and in what format — before the file is logged.
Property verification guidance
What lenders actually check — title chain, approvals, valuation and encumbrance — explained before you pay a token amount.
Application assistance
From form filling to sanction letter and disbursement follow-up, someone stays accountable on your file until it closes.
Know your monthly EMI before you shortlist
Move any slider or type a value. The numbers update instantly using the standard reducing-balance EMI formula.
EMI assumes a constant rate for the whole tenure. Floating rates change, so your actual EMI or tenure may adjust over time.
for 240 months at 8.50% per annum
- Principal 50%
- Interest 50%
This is an illustrative calculation only and excludes processing fees, insurance and any other lender charges.
How much home loan could your income support?
An indicative borrowing estimate based on a 50% fixed-obligation-to-income assumption. Lenders apply their own rules on top of this.
Based on an EMI capacity of ₹ 35,000 per month
Five clear steps from first call to disbursement
No black boxes. You will always know which stage your file is at and what is pending from you.
-
1
Initial Consultation
We understand your goal, timeline, income pattern and the property you are considering.
-
2
Eligibility Assessment
Income, obligations and credit profile are reviewed to set a realistic loan range.
-
3
Bank Selection
We shortlist lenders whose policies actually fit your profile and compare the terms.
-
4
Documentation & Verification
Papers are organised, the property is technically and legally checked, and the file is submitted.
-
5
Sanction & Disbursement
After sanction, conditions are met and funds are released as per the lender’s schedule.
What you will need to arrange
A typical starting checklist. Your advisor confirms the exact list for your lender and state.
For salaried applicants
Keep these ready in clear scans — most lenders ask for the last three months to three years.
- PAN card and Aadhaar
- Address proof (utility bill, rental agreement)
- Latest 6 months’ salary slips
- 12 months’ bank statement (salary account)
- Form 16 for the last 2 years
- Employment or offer letter
- Existing loan statements, if any
- Passport-size photograph
For self-employed applicants
Business proof and income proof carry the most weight in a self-employed file.
- PAN card and Aadhaar
- Business registration / GST certificate
- ITR with computation for the last 3 years
- Audited financials or profit & loss statements
- 12 months’ current account bank statement
- Business address proof
- Existing loan or credit card statements
- Ownership proof or partnership deed, if applicable
For the property
Property paperwork is where most files slow down — collect these before paying any token amount.
- Sale deed or registered agreement to sale
- Chain of previous title deeds
- Approved building plan and permit
- Encumbrance certificate (EC)
- Property tax paid receipts
- Khata, 7/12 extract or state land record
- NOC from society or builder
- Latest valuation report from the lender’s panel
Requirements vary by lender, employment type and state. Always confirm the final list in writing.
How borrowers describe the process
Illustrative examples showing the kind of support a home loan file usually needs.
“The clarity on processing fees and paperwork was the difference for us. We knew what was pending at every stage instead of chasing the branch for updates.”
“As a self-employed applicant I was worried about income proof. The checklist they built for my business made the file easy to put together and easy to explain.”
“For a balance transfer, they actually showed me the break-even before recommending a switch. That honesty is why I stayed through the whole process.”
These are fictional demo testimonials created for this page layout. They are not real customer reviews, endorsements or claims about outcomes.
Questions borrowers ask us most
Practical answers about eligibility, rates, costs and paperwork in India.
Lenders typically allow total EMIs of up to about 50–60% of your net monthly income, depending on the lender and your profile. Existing EMIs, credit card dues and other obligations are deducted from that limit. Add a co-applicant’s income and the eligible amount usually rises — which is why our eligibility calculator is only a starting point, not an answer.
Most lenders prefer a score of 750 or above. A lower score does not automatically disqualify you, but it can affect the rate offered or lead to additional conditions. Check your report for errors before applying — a wrongly reported closed loan can cost you real money over a 20-year tenure.
Yes, in most cases a spouse, parent or adult child can be added even without independent income. They will not add to your repayment capacity, but they do become a co-owner and a co-borrower, which some lenders prefer. Note that a co-borrower is equally liable for the loan.
A fixed rate gives certainty but usually starts higher and may reset after a fixed period. A floating rate moves with the lender’s benchmark — it can fall as well as rise, and it usually allows cheaper prepayment. For a 20-year horizon, most borrowers choose floating and budget for some movement. The right answer depends on how much certainty you need.
In the early years, most of your EMI goes towards interest and only a small part reduces the principal. The split gradually reverses over the tenure. Use the split chart in the EMI calculator above to see this ratio for your amount, rate and tenure — it is often the single most useful number for a first-time borrower.
Floating-rate home loans taken by individuals generally do not carry prepayment penalties, and part-prepayment can shorten your tenure or reduce your EMI. Fixed-rate loans may have a charge, so read the schedule. Always ask for the revised amortisation in writing after a prepayment.
Plan for stamp duty and registration (state-dependent), processing fee, legal and technical valuation charges, property insurance, and the lender’s documentation charges. On a purchase you should also keep a buffer for interiors and any society dues. These one-time costs are separate from the EMI and are not included in this calculator.
Yes. A balance transfer moves your outstanding loan to another lender, usually for a lower rate. It only makes sense if the interest saved over the remaining tenure comfortably exceeds the new lender’s processing, legal and valuation charges. We run that break-even calculation with you before recommending anything.
Tell us what you are planning
Share a few details and we will come back with a realistic view of your options — no obligation, no pressure.