Turn Your Dream Home
Into an Address
HomeNest Loans brings you flexible Indian home loans starting at just 8.45% p.a.* — with sanction in as fast as 48 hours, zero hidden charges, and a dedicated relationship manager from application to registration.
Check Your EMI in 10 Seconds
Drag the sliders — instant, no login needed.
Bank-Grade Loans, Delivered Like Family
Everything you expect from a top-tier lender — transparent pricing, digital paperwork, and people who actually pick up the phone.
Up to 90% Funding
Finance up to 90% of your property value — the highest LTV in the market for salaried and self-employed professionals alike.
Digital Sanction in 48 Hrs
End-to-end paperless journey. Upload once, e-sign anywhere, and receive your sanction letter within two working days.
Zero Hidden Charges
One flat processing fee of 0.35% (max ₹10,000). No prepayment penalties on floating-rate home loans, ever.
Free Balance Transfer
Shift your existing high-rate loan to HomeNest at 8.45% p.a. and save lakhs over your remaining tenure.
Dedicated Loan Manager
A single point of contact from application to registration — no call-centre runaround, no repeated document requests.
Complete Protection
Optional creditshield cover and property insurance bundled at group rates, so your family’s home stays secure.
Home Loan EMI Calculator
Fine-tune every rupee. See your exact EMI, total interest and total payable — updated live as you move the sliders.
EMI = P × r × (1+r)n / ((1+r)n − 1), where r = monthly rate, n = months.
Current Home Loan Interest Rates — Nov 2026
Repo-linked rates (RLR) revised monthly. Final rate depends on CIBIL score, income profile and loan value.
| Loan Product | Interest Rate (p.a.) | Max Tenure | Best For |
|---|---|---|---|
| Home Purchase — Salaried | From 8.45% | 30 years | ITR-filing professionals with CIBIL 750+ |
| Home Purchase — Self-Employed | From 8.75% | 25 years | Business owners, doctors, consultants |
| Home Construction | From 8.65% | 25 years | Building on your own plot — staged disbursal |
| Plot + Construction Combo | From 8.85% | 20 years | Land purchase with construction within 2 years |
| Balance Transfer + Top-Up | From 8.50% | Remaining tenure | Switching from higher-rate lenders |
| Home Improvement / Extension | From 9.10% | 15 years | Renovation, interiors, solar & upgrades |
*Rates indicative as of 03 Nov 2026 and subject to revision. Processing fee 0.35% (max ₹10,000). No foreclosure charges on floating-rate loans per RBI guidelines.
From Application to Keys in 4 Steps
A fully digital process with human support at every stage.
Apply Online
Fill a 3-minute form and upload KYC, income proofs and property details via secure portal.
Instant Eligibility
Our engine checks your CIBIL, FOIR and property value and issues an in-principle approval.
Sanction Letter
Get your official sanction with the exact rate, tenure and EMI — e-sign and accept digitally.
Disbursal & Registry
Legal and technical valuation completed, funds credited, and our team assists with registration.
Home Loan Eligibility Calculator
We apply the industry-standard FOIR method (50% of net income can service EMIs) used by leading Indian lenders.
You are eligible for a loan up to
Approx. EMI: ₹44,164 / month
FOIR used: 50% of net income
- Minimum CIBIL score required: 700 (best pricing at 750+)
- Age: 21–65 years at loan maturity
- Salaried: 2+ years work experience
- Self-employed: 3+ years business vintage with ITR
85,000+ Families Already Home
Rated 4.8/5 across 12,000+ verified reviews.
Frequently Asked Questions
We approve loans from a CIBIL score of 700. Scores of 750+ receive our best rate of 8.45% p.a., while 700–749 typically sees 8.75%–9.25%. Below 700, a co-applicant with a strong score usually resolves it.
Yes. As per RBI guidelines, there are zero prepayment or foreclosure charges on floating-rate home loans for both individuals and non-individuals. Part-prepay any amount, any number of times, at no cost.
PAN, Aadhaar, last 3 salary slips, last 6 months bank statements, and latest Form-16. For the property: agreement to sell, title deed and latest tax receipt. Everything uploads digitally — no physical copies needed.
On a ₹50 lakh, 20-year loan, moving from 9.6% to 8.45% saves roughly ₹410 on EMI and about ₹9.8 lakh in total interest. We also fund your top-up requirement alongside the transfer at the same rate.
Yes — under the old regime, Section 80C allows up to ₹1.5 lakh principal deduction and Section 24(b) allows up to ₹2 lakh interest deduction per financial year on a self-occupied property. Under the new regime, only let-out-property interest (set off against rental income) is available.
We offer up to ₹5 crore (higher case-by-case) with a maximum tenure of 30 years for salaried applicants and 25 years for self-employed, subject to age at maturity not exceeding 65 years.
Ready to Unlock Your Dream Home?
Share your details and a dedicated loan manager will call you within 2 working hours with a customised offer. No spam. No obligation. Soft credit check only.
- Free consultation & rate negotiation
- Documentation support at your doorstep
- Offer valid for 30 days — lock today’s rate