Home Loan
Interest Rates & Comparison
Buying a home is one of life's biggest achievements. We help you compare low home loan interest rates, calculate monthly EMI obligations, and apply online with top-tier lenders.
- Rates from 8.60% p.a.
- Balance transfer facility
- Repayments up to 30 Yrs
- Low processing fees
- Top-up loan available
- Simplified property legal check
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Compare Home Loan Rates from Top Banks
| Lender | Interest Rate (p.a.) | Processing Fee | Min Monthly Income | Max Tenure |
|---|---|---|---|---|
 | 8.75% - 9.65% | 0.5% - 1.5% | ₹15,000 / month | 30 Years |
 | 8.75% - 9.80% | Up to 2.5% | ₹25,000 / month | 30 Years |
 | 8.75% - 10.05% | 0.99% - 2.5% | ₹25,000 / month | 30 Years |
 | 8.75% - 10.15% | Up to 2.0% | ₹20,000 / month | 30 Years |
 | 8.60% - 10.60% | 0.5% - 1.0% | ₹15,000 / month | 30 Years |
 | 8.75% - 9.75% | Up to 3.0% | ₹25,000 / month | 30 Years |
Home Loan EMI Calculator
Eligibility & Property Verification
Property loans require verification of both the borrower's income eligibility and the legality of the property.
Eligibility Criteria:
- Age: Minimum 21 years, Maximum 70 years at loan maturity.
- Income: Stable monthly household income of at least ₹25,000.
- Credit Score: A CIBIL score of 750+ secures the absolute lowest starting rates.
- Employment: Minimum 2 years of continuous business operations or salary records.
Property Documents Checklist:
- Original property title deeds and chain of documents.
- NOC (No Objection Certificate) from the builder or society.
- Approved construction plan/layout blueprint.
- Latest tax payment receipts for the property.
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Compare rates from 30+ lenders without affecting your credit score
General Borrowing FAQs (IndiaLends)
The debt-to-income (DTI) ratio is the percentage of your monthly income that goes toward paying off existing debts (EMIs). Lenders prefer a DTI ratio below 40% to 50%. A high DTI ratio suggests you might be over-leveraged, which increases risk and can lead to loan rejection even if you have a good credit score.
Lenders look at several key factors: 1) Your credit score and repayment history, 2) Monthly net income and stability of employment, 3) Your age (typically between 21 and 60/65 years), 4) Your debt-to-income ratio, and 5) The type of employer you work for (corporate employees, PSU employees, and government staff are often considered low-risk).
In addition to the interest rate, you should watch out for: 1) Processing fees (usually 0.5% to 3% of the loan amount), 2) Prepayment or foreclosure charges (fees for paying off the loan early), 3) Documentation or stamp duty charges, and 4) Late payment fees or bounce charges in case of missed payments.