Home finance
Home Loan (Salaried & Self-Employed)
Finance the purchase, construction or renovation of a residential property with long tenures and some of the lowest interest rates in the Indian lending market. We structure files for both salaried applicants and self-employed professionals whose income needs careful presentation.
- Interest rate
- 7.10% – 11.50% p.a.
- Loan amount
- ₹5 Lakh – ₹10 Crore
- Tenure
- Up to 30 years
- Processing fee
- 0.25% – 1% of loan amount
Features
What the home loan gives you
- Funding up to 90% of the property value (LTV depends on ticket size)
- Tenures stretching to 30 years to keep EMIs comfortable
- Interest benefit under Section 24(b) and principal benefit under 80C
- Balance transfer and top-up available after 12 months of clean repayment
- Joint applications with spouse or parents to boost eligibility
- Step-up EMI options for young salaried borrowers
Eligibility
Who qualifies
- Indian resident or NRI, aged 21 to 70 years at loan maturity
- Salaried: minimum ₹25,000 net monthly income with 2 years of work history
- Self-employed: 3 years of business continuity with filed ITRs
- CIBIL score of 700 and above preferred; 650+ considered case to case
- Clear, marketable title on the property with approved building plans
Documents
Checklist to keep ready
KYC
- • PAN card
- • Aadhaar card
- • Passport size photographs
- • Address proof
Income — Salaried
- • Last 3 months salary slips
- • Form 16 for the last 2 years
- • 6 months salary bank statement
Income — Self-Employed
- • ITR with computation for 3 years
- • Audited balance sheet and P&L
- • 12 months current account statement
- • GST returns where applicable
Property
- • Agreement for sale / allotment letter
- • Chain of title documents
- • Approved plan and OC/CC
- • Latest property tax receipt
Calculator
Estimate your EMI and eligibility
Indicative figures only. Your final rate depends on the lender's assessment of your credit profile, income and, for secured loans, the property.
Monthly EMI
₹39,066
- Principal
- ₹50,00,000
- Total interest
- ₹43,75,754
- Total payable
- ₹93,75,754
Your personalised explanation will appear here. Indicative only — final approval depends on the lender.
Want the full picture?
Read our written eligibility guide — how FOIR at 80% of income works, credit score bands, and eligibility checklists for all 13 loan products.
Read the Eligibility GuideFAQs
Home Loan questions
What people search for before taking a home loan
These are the questions and phrases borrowers in Mumbai, Thane and Navi Mumbai bring to us most often. If one of them describes your situation, our advisors have handled it before.
- home loan at lowest interest rate
- PMAY home loan subsidy
- home construction loan
- plot purchase loan
- home loan balance transfer
- top up loan on home loan
- home loan for self employed
- home loan EMI calculator
- zero processing fee home loan
- home loan without salary slip
- NBFC home loan India
- fixed vs floating interest rate home loan
- home loan foreclosure charges
- home loan eligibility on CIBIL score
- online home loan application
- paperless home loan approval
- home loan refinancing
- mortgage loan and loan against property (LAP)
- home loan DSA in Mumbai
- home loan agent near me
- bank loan agent in Thane
- home loan consultant in Navi Mumbai
Related loan services
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