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Home Loan

Finance the home you want to buy or build.

A home loan helps you buy a ready or under-construction home, a resale flat, or a plot and the house you build on it. It's repaid over a long term — up to 30 years — which keeps each EMI manageable.

  • Long tenure

    Spread repayment over as long as 30 years.

  • Tax benefits

    Principal and interest repayments may qualify for deductions under the Income Tax Act.

  • Guided end to end

    From eligibility to property checks to disbursal.

Interest Rates, Processing Fees & Other Charges

Interest rate
8.35%–11.5% per annum
Subject to lender approval, property and eligibility.
Processing fee
0% to 1%
Of the loan amount, plus GST — many lenders cap it or waive it on offers.
  • Other charges: Additional applicable charges, if any, will be disclosed by the concerned bank/NBFC before loan acceptance.
  • Eligibility: Approval, interest rates and charges depend on the lender’s policies and the applicant’s eligibility.

Disclaimer: MONEYYHEIGHT facilitates access to home loan options. The final loan terms, interest rate, processing fee and other applicable charges are determined by the concerned lender. Loan approval is not guaranteed.

How it works

  1. 01

    Tell us what you need

    A minute on the form — no documents yet.

  2. 02

    We call you back

    An advisor checks your eligibility and explains your options.

  3. 03

    Apply with the right lender

    We help with the paperwork and follow it to disbursal.

Who can apply

  • Salaried and self-employed Indian residents
  • Aged 21 to 65 at the end of the loan term
  • Co-applicants can add their income to raise eligibility

Documents you'll need

  • PAN card and Aadhaar
  • Salary slips for the last 3 months
  • Bank statement for the last 6 months
  • Property documents — sale agreement, title deeds, approved plan

Questions people ask

How much of the property value can I borrow?

Lenders typically finance a share of the property value, with the rest as your down payment. The share depends on the loan size and lender policy.

Can I add a co-applicant?

Yes. Adding a working spouse or parent often increases how much you can borrow.

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