Property, financed properly.
Buying, building or borrowing against what you already own. Secured against the property itself, these carry the longest tenures and the lowest rates of anything on this site.
- Loan amount
- ₹5L – ₹5Cr
- Indicative rate
- 8.3% – 11% p.a.
- Tenure
- Up to 30 years
- Funding
- Up to 80–90% of value
Indicative ranges across partner lenders, not an offer of credit. Your rate and limit are set by the lending partner on the basis of your profile.
Partner lenders
- HDFC Credila
- Avanse
- Auxilo
- InCred
- Axis Bank
- ICICI Bank
- Union Bank
- Tata Capital
What we can help arrange
- Purchase of a ready or under-construction home
- Plot purchase and self-construction
- Home improvement and extension
- Balance transfer to a lower rate
- Loan against an existing property
Who can apply
- Salaried professionals, self-employed individuals and business owners
- Typically aged between 21 and 65 at loan maturity
- Clear, marketable title to the property
- Income supporting the instalment alongside existing obligations
- Final criteria are set by each lending partner
Documents usually requested
- KYC for all applicants
- Income proof: salary slips, Form 16 or filed returns
- Six to twelve months of bank statements
- Sale agreement and complete chain of title documents
- Approved building plan and, where applicable, occupancy certificate
Plan ahead
What would this cost per month?
Opens on figures typical for real estate loans. Move the sliders to match your own situation.
Estimated monthly instalment
₹44,186
- Principal
- ₹50,00,000
- Total interest
- ₹56,04,529
- Total payable
- ₹1,06,04,529
Indicative estimate on a reducing-balance basis. It excludes processing fees, insurance and any moratorium interest. Your actual rate and instalment are set by the lending partner.
Questions
Real estate loans, explained.
How much of the property value can be financed?
Lenders typically fund 75% to 90% of the assessed value, with the share falling as the ticket size rises. The balance is your down payment, and stamp duty and registration are usually excluded.
Is the rate fixed or floating?
Most home loans in India are floating and linked to an external benchmark such as the repo rate, so the instalment moves with it. Some lenders offer fixed-rate periods at a premium.
What is a balance transfer?
Moving an existing loan to another lender offering a lower rate. It is worth modelling the processing and legal costs against the interest saved over the remaining tenure before switching.
Other ways we can help
- Explore
Education Loans
One application puts your profile in front of multiple education lenders, so you can weigh secured against unsecured, and rate against repayment, before you commit to anything.
- Explore
Personal Loans
Medical bills, a wedding, a renovation, consolidating costlier debt. A personal loan is unsecured, so approval rests on your income and credit history rather than on security.
- Explore
Study Abroad Finance
Studying abroad adds moving parts: currency, visa timelines, proof of funds. We help you line up a lender whose disbursement schedule fits the dates your university and consulate actually work to.
See what you qualify for.
A few questions, no paperwork to start, and no obligation to proceed.