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