Home Loan made simple
Buying your first home, constructing a new villa, or purchasing a plot? Get access to competitive home loans with extended tenures up to 30 years.
Loan Highlights
Key Features & Benefits
Get flexible solutions built to match your lifestyle and financing goals.
Quick Disbursal
Quick property valuation and legal clearances for direct builder disbursements or plot purchase funding.
Minimal Documentation
Simple documentation including KYC, property paper copies, title deeds, and income statements.
Collateral Terms
The property being purchased acts as the primary security. No additional assets required for pledging.
Attractive Interest Rates
Start with lowest-tier home loan interest rates and choose between fixed or reducing interest formats.
Calculate your EMI
Plan your repayments before applying. Use our interactive slider tool to estimate your monthly payouts.
Everything you need to know about home loans
A home loan is a secured credit facility that allows individuals to purchase, construct, extend, or renovate a residential property. In this arrangement, the property acts as the primary security or collateral for the lender. Repayments are spread over an extended timeline of up to 30 years in the form of Monthly Installments (EMIs). Once the loan is fully repaid, the original property deeds are returned to the borrower.
Typical use cases include buying a ready-to-move apartment, constructing a house on a residential plot, renovating or extending an existing home structure, or transferring an existing high-interest loan to a new lender through a balance transfer. Eligibility is calculated based on factors such as monthly salary, age, credit score (usually 700+), and legal compliance of the property being purchased. Lenders check processing fees, prepayment charges, and the Annual Percentage Rate (APR) to evaluate the true loan cost.
Fund Rupee's multi-lender panel acts as an unbiased matchmaker, connecting you with India's top housing finance company options and banks. By comparing multiple rate structures and loan-to-value (LTV) limits side by side, borrowers can select a custom-fit home loan that minimizes interest outflows and offers favorable processing charges.
Types of Home Loans
Explore different custom-tailored Home Loan variants configured for specific life goals and use cases.
| Loan Type | Primary Use Case Description |
|---|---|
| Home Purchase Loan | Buy a new or pre-owned flat, apartment, villa, or independent house from builders or resale owners. |
| Home Construction Loan | Finance the construction of a new residential house on a plot of land you already own. |
| Home Extension/Renovation Loan | Renovate, repair, paint, or expand your existing house by adding new rooms or floors. |
| Plot Purchase Loan | Purchase an empty residential plot of land for future home construction or investment purposes. |
| Balance Transfer Loan | Refinance an existing high-interest home loan by transferring the outstanding balance to a new lender offering lower interest rates. |
| Top-up Loan | Secure additional credit over your existing home loan at lower interest rates to fund home decor or personal emergencies. |
Are You Eligible?
Confirm these 6 general prerequisites before initiating your loan verification check.
Indian citizen or NRI with active local references.
Age between 21 and 65 years at loan maturity.
Salaried professional or established business owner.
Minimum monthly net salary/income of ₹30,000.
Co-applicant required (usually spouse/parents) for pooling income.
Clear marketable property title with local municipal approval.
Documents Required
Keep these documents ready to fast-track your approval pipeline.
Identity & Address Proof
- PAN Card & Aadhaar Card
- Voter ID / Passport
- Copy of Property Chain Documents
- Approved Property Map and Sale Agreement
Income Proof (Salaried)
- Form 16 & last 2 years' ITR copies
- Salary slips for the last 3 months
- 6 months' bank statements reflecting salary credits
Income Proof (Self-Employed)
- Last 2 years' ITR with tax computations
- Audited balance sheet and Profit & Loss reports
- 12 months' business bank statements
- Business registration proof (GST registration/Partnership Deed)
How to Apply
Get from eligibility estimation to disbursement in 4 simple checkpoints.
Pre-Approval
Apply online to estimate your eligible pre-approved home loan limit.
Submit Property Deeds
Share legal and technical copies of the property you intend to buy.
Legal Verification
Our technical audit team conducts on-site evaluation and legal check of properties.
Signing & Disbursal
Sign your loan agreement, submit original deeds to the bank, and get funding.
Frequently Asked Questions
Answers to common queries regarding Home Loan structures.
What is the maximum tenure available for Home Loans?
Can I get tax benefits on a home loan?
Is a co-applicant mandatory for Home Loans?
Ready to secure your Home Loan?
Check your eligibility online in under 3 minutes and get personalized offers from top Indian lenders.
Related Reading
Expand your knowledge with our latest insights and loan guides.
The Ultimate Guide to Securing a Low-Interest Home Loan in 2026
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How to Choose Between Flat vs. Reducing Rates
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Understanding CIBIL Score: The Complete Guide
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Other Loan Products
Explore our other customized financing options.
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Student financing up to ₹1.5 Crores for premium Indian and overseas colleges with moratorium holidays.
Loan Against Property
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