PURPOSE
Purchase an eligible residential property
A considered step toward your home
Home Loan
Affordable housing finance.
Home Loan provides funding for purchasing, constructing, renovating or extending a residential property.
Options and eligibility are subject to lender assessment and terms.
WHO IT MAY SUIT
Salaried applicants
GET PREPARED
6 document types to review
What could this help with?
Common needs to discuss with a lender.
- Purchase an eligible residential property
- Construct a home or complete approved work
- Renovate or extend a home, where the product permits
Keep your plan specific
Estimate the amount you need and the repayment that fits your monthly budget before comparing offers.
Who may be eligible?
These are common applicant profiles, not an approval guarantee.
- Salaried applicants
- Self-employed applicants
- Resident property buyers
- Joint applicants and co-applicants
- Applicants having a stable income source
- Applicants meeting property and lender eligibility requirements
Each bank or financial institution sets its own age, income, credit, property and documentation criteria.
Prepare your documents
Use this checklist to get organized before applying.
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Before you apply
A few details worth checking early.
- Keep property, ownership and transaction papers available for review.
- Budget for your contribution, registration and other costs beyond the loan.
- Property valuation, title checks and applicant eligibility are lender-specific.
Compare the full offer
Review the interest method, fees, repayment conditions, security and any early-payment charges in the lender's current documents.
QUICK ESTIMATE
Plan a monthly repayment
Try different amounts and terms to explore an illustrative reducing-balance EMI.
Enter a positive amount, an interest rate from 0% to 60%, and a term from 0.5 to 40 years.
ILLUSTRATIVE MONTHLY EMI
Principal₹0
Estimated interest₹0
Total repayment₹0
Estimate only; actual lender rates, fees, repayment schedules and terms may differ.
Questions to help you decide
Practical answers to get you started.
Can a co-applicant apply with me?
Some lenders allow co-applicants. Their income, relationship to the applicant and ownership share may affect eligibility and documentation.
Will the entire property price be financed?
The sanctioned amount depends on lender policy, property valuation and applicant eligibility. Plan for your own contribution and other purchase costs.
What property documents may be needed?
The lender may ask for title, sale, construction or approval documents relevant to the property and transaction. The exact checklist varies.
Funding partners
Institutions shown for this product. Availability and offers may vary.
KOTAK MAHINDRA BANK
HDFC BANK LTD
BAJAJ FINANCE LTD
ICICI BANK LTD
BAJAJ FINSERVE LTD
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LTD
TATA CAPITAL FINANCIAL SERVICES LTD
Information on this page is general and for illustration only. It is not an offer, sanction or financial advice. Eligibility, interest, charges, security, documentation and final terms are determined by the relevant lender and may change.