Home Loan
Make your dream home a reality with the best rates.
Overview
Buying a home is one of the biggest financial decisions of your life. The Finance Portfolio makes it easier by comparing home loan offers from 30+ banks & NBFCs including government banks like SBI, PNB, and Bank of Baroda to find you the lowest interest rate and the best terms. Whether you're buying a flat in Gurgaon, constructing a house, or looking to transfer your existing home loan for a better rate — we handle the entire process from property valuation to final disbursal.
Eligibility
- Age: 23 to 65 years at loan maturity
- Salaried or Self-employed individual
- Minimum monthly income: ₹30,000
- Stable employment for at least 2 years
- Good credit score (750+)
- Property must be approved by the lending bank
- Both borrower eligibility and property approval required
Documents Required
- PAN Card & Aadhaar Card
- Last 6 months salary slips / income proof
- Last 12 months bank statements
- Form 16 / ITR (last 3 years)
- Property documents (sale deed, agreement, title deed)
- Builder NOC and approved plan
- Processing fee cheque
Key Benefits
Property Approval Process
For home loans, both your eligibility as a borrower and the property you wish to purchase must be approved by the lending bank. This is a mandatory requirement across all banks and NBFCs.
Borrower Eligibility Check
The bank evaluates your income, credit score, existing liabilities, and employment stability to determine how much you can borrow.
Property Legal Verification
The bank's legal team verifies the property title, ownership chain, encumbrance certificate, and all legal documents to ensure clear title.
Property Technical Valuation
A bank-empanelled valuer inspects the property to assess its market value, construction quality, and compliance with approved plans.
Final Sanction & Disbursal
Once both borrower and property are approved, the bank issues the final sanction letter and disburses the loan amount.
*Interest rates starting from 7.35% p.a. are indicative and sourced from our partner banks including government banks. Actual rates depend on your credit profile, income, property location, and lender policy. T&C apply.
Apply for Home Loan
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