10-lender panel · 6 with APF across our supply

Home loans, from 8.10%

We do not lend. We put your file in front of the lenders whose underwriting actually fits it, negotiate the rate, and then chase the paperwork so you do not have to. You see every stage as it moves: no calling anyone to ask where the file is.

Rates from: 8.10%
Lenders on panel: 10
Sanction on a clean file: 3–5 days
Cost to you: Nil

How your application moves

Five stages, the same five your lender's own system uses. Nothing here is a black box.

1
Open
File created. We collect your documents and pick the lender whose underwriting fits your profile.
2
Logged In
Application logged with the lender. Login fee paid, bureau pulled with your consent, appraisal begins.
3
Sanctioned
Sanction letter issued: amount, rate and tenure confirmed in writing. Read the conditions precedent.
4
Documentation
Agreement signed, legal and technical clear, MOD registered. This is where files stall on builder paperwork.
5
Disbursed
Money released to the builder against the construction stage. Your EMI clock starts.

The lender panel

Indicative floor rates for a salaried applicant with a 750+ bureau score. Everyone reprices off their own repo-linked benchmark, so treat the band as the range, not the promise.

Lender	Rate band	Max LTV	Tenure	Processing fee
State Bank of IndiaAPF Cheapest headline rate on the panel and the widest APF coverage. Slowest paperwork: budget an extra week.	8.10% – 9.20%	90%	30y	0.35%, max ₹10,000
HDFC BankAPF Fastest sanction on a clean salaried file. Strong on under-construction disbursement discipline.	8.25% – 9.40%	90%	30y	0.5%, max ₹11,800
ICICI BankAPF Good with variable-income and bonus-heavy profiles. Digital sanction in 48 hours where the project is pre-approved.	8.30% – 9.50%	90%	30y	0.5%–1%
Axis BankAPF Competitive on balance transfers; will usually match a written offer from another lender.	8.35% – 9.60%	90%	30y	Up to 1%, min ₹10,000
Kotak Mahindra Bank Sharp rates for women applicants and for files above ₹75 L. Shorter maximum tenure.	8.30% – 9.40%	85%	25y	0.5%, min ₹10,000
Bajaj Housing FinanceAPF Longest tenure available and flexible on self-employed income. Watch the processing fee: it is negotiable.	8.25% – 10.50%	90%	32y	Up to 4% (negotiable)
LIC Housing FinanceAPF Flat processing fee is the cheapest on a large loan. Conservative on property valuation.	8.35% – 9.75%	90%	30y	₹10,000–₹25,000 flat
PNB Housing Finance Takes self-employed and cash-salary profiles other lenders decline, at a rate premium.	8.50% – 11.45%	80%	30y	0.5%, min ₹10,000
Federal Bank Strong NRI proposition: NRE/NRO servicing and repatriation paperwork handled in branch.	8.40% – 9.90%	85%	30y	0.5%, max ₹15,000
IDFC FIRST Bank Quick digital journey and lenient on short employment history. Fee is high unless negotiated.	8.45% – 10.25%	90%	30y	Up to 3%

Our commission does not vary by lender, so nothing here is ranked by what pays us more. It is ranked by rate.

Check what you qualify for

A soft check: no bureau pull, no impact on your score. We only pull a bureau report after you give explicit written consent at the lender stage.

Employment

Net monthly income

₹

₹ 20,000Take-home, after tax and PF₹ 30,00,000

Existing EMIs

₹

₹ 0₹ 5,00,000

Tenure

yrs

5 yrs30 yrs

Indicative sanction

₹ 89 L

Maximum EMI

50% FOIR at 8.10%

₹ 75,000

Property price supported

At 80% loan-to-value

₹ 1.11 Cr

Preferred lender (optional: we will also shop it)

Leave your number and a loan advisor will call within 5 minutes with the two or three lenders most likely to say yes to this profile.

Already applied through us? Sign in to see your live stage.

Before you apply

Full eligibility calculator EMI and amortisation Already have a loan? Check a transfer Stamp duty: the cash the loan won't cover

Documents to keep ready

A file stalls on missing paper more often than on credit. Collect these once and the whole thing moves in days.

Identity & address

PAN card (mandatory: the file cannot be logged without it)
Aadhaar, passport, voter ID or driving licence
Recent utility bill or rent agreement for current address
Three passport photographs per applicant

Income: salaried

Last 3 months' salary slips
Form 16 for the last 2 years
6 months' bank statements of the salary account
Employment certificate or appointment letter

Income: self-employed

ITR with computation for the last 3 years
Audited P&L and balance sheet for the last 2 years
12 months' current-account statements
GST returns for the last 4 quarters, business registration proof

Property

Builder allotment letter or agreement to sell
Approved building plan and commencement certificate
RERA registration number and the project's RERA page
Chain of title documents / mother deed for a resale
Payment receipts for what you have already paid the builder

We never store raw bank statements or KYC scans outside the lender's own encrypted vault, and we do not pull a bureau report without your written consent. That consent is recorded and you can withdraw it.

Questions buyers actually ask

Does applying through you cost me anything?+

No. We are paid a commission by the developer on a registered booking, and lenders pay a separate origination fee for a sourced file. You pay the lender's own processing fee and nothing to us. Because our fee does not vary by lender, we have no reason to steer you to a worse rate.

How long does a sanction actually take?+

On a clean salaried file against an APF-approved project, 3–5 working days to sanction and 10–15 to first disbursement. Self-employed files, resale properties and anything needing a fresh legal and technical appraisal run 2–3 weeks. The commonest cause of delay is an incomplete property file from the builder, not the borrower.

What is an APF-approved project and why does it matter?+

Approved Project Financing: the lender has already vetted the builder's title, approvals and RERA registration for the whole project. Your file then skips the legal and technical appraisal entirely. Every project on our platform shows which lenders have APF for it.

How much will the bank actually lend against the property?+

By RBI norm: up to 90% of the property value below ₹30 L, 80% between ₹30 L and ₹75 L, and 75% above ₹75 L. 'Property value' means the agreement value, not the all-in cost: stamp duty, registration, GST, parking and interiors are never funded. Budget 25–30% of the sticker price in own funds.

Fixed or floating?+

Almost every Indian home loan is floating, linked to the repo rate under the external benchmark regime, and reprices within three months of an RBI move. True fixed-rate loans exist but carry a 1.5–2% premium and a foreclosure penalty. Floating loans to individuals cannot carry a foreclosure or prepayment penalty at all: that is a regulatory bar, not a courtesy.

What happens to my EMI while the project is still being built?+

The lender disburses in tranches against construction stages. Until full disbursement you pay pre-EMI: interest only on the amount drawn. Some lenders offer a subvention scheme where the builder services that interest; read what the builder is actually committing to, because the loan is in your name regardless.

Can I add a co-applicant later?+

Adding one after sanction means a fresh appraisal and, if the co-applicant goes on the deed, fresh stamp duty on the transfer. Decide before the sanction letter is issued. A co-applicant who is also a co-owner is the only way both of you claim the tax deduction.

What tax relief do I get?+

Under the old regime: up to ₹2 L a year on interest under Section 24(b) for a self-occupied home, and up to ₹1.5 L on principal under Section 80C. Under the new regime, neither applies to a self-occupied property, but interest on a let-out property is still fully deductible against rental income. Check which regime you are in before you count on it.