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Lowest interest rates starting from 7% p.a.

Calculate EMI

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Compare Home Loans from Top Banks

Find the best home loan offers customized for your needs

Bank/NBFC Interest Rate (p.a.) Processing Fee Loan Amount Tenure Eligibility Action
HDFC Bank 8.35% - 9.50% Up to 0.50% or ₹3,000 (whichever is higher) ₹5,00,000 - ₹10,00,00,000 12 - 360 months Salary: ₹25,000/month
CIBIL: 700+ 		Apply
ICICI Bank 8.40% - 9.75% Up to 0.50% or ₹5,000 (whichever is higher) ₹5,00,000 - ₹5,00,00,000 12 - 360 months Salary: ₹30,000/month
CIBIL: 680+ 		Apply
SBI 8.50% - 9.65% Up to 0.35% or ₹10,000 (whichever is higher) ₹10,00,000 - ₹7,50,00,000 12 - 360 months Salary: ₹35,000/month
CIBIL: 750+ 		Apply
LIC Housing Finance 8.45% - 10.25% Up to 0.50% or ₹5,000 (whichever is higher) ₹15,00,000 - ₹15,00,00,000 12 - 360 months Salary: ₹20,000/month
CIBIL: 680+ 		Apply
Axis Bank 8.70% - 9.80% Up to 0.50% or ₹10,000 (whichever is higher) ₹5,00,000 - ₹5,00,00,000 12 - 360 months Salary: ₹30,000/month
CIBIL: 680+ 		Apply

Why Choose Loanfatafat for Home Loans?

Quick Processing

Get your home loan approved in 3-7 days with funds disbursed shortly after

Competitive Interest Rates

Access home loans with interest rates starting from 8.35% p.a. from top lenders

Simplified Documentation

Streamlined process with minimal paperwork and digital verification for hassle-free approval

High Loan Amounts

Avail home loans from ₹5,00,000 up to ₹15,00,00,000 based on your needs

Long Tenure Options

Flexible repayment tenure from 1 to 30 years to suit your financial planning

Home Loan Eligibility Check

Free eligibility assessment to match you with the best home loan offers

Home Loan Eligibility

Check if you're eligible for a home loan through Loanfatafat.in

For Salaried Individuals

  • Age: 21-65 years
  • Minimum monthly income: ₹25,000
  • Employment status: At least 1 year
  • CIBIL score: 680 or above
  • Property: Approved by lender

For Self-Employed Individuals

  • Age: 25-70 years
  • Business vintage: Minimum 3 years
  • ITR for the last 3 financial years
  • CIBIL score: 680 or above
  • Property: Approved by lender

Calculate Your Personal Loan EMI

Monthly Loan EMI
₹ 14,347
Fourteen Thousand Three Hundred And Forty Seven
Loan Amount
₹
One Lakh
5 Lac 50 Cr
Loan Tenure
Years
5 30
Rate Of Interest
%
6.5 15
Payment Breakdown:
Principal Amount
₹10,00,000
Interest Payable
₹7,21,651
Total Amount Payable
₹17,21,651

EMI Payment Schedule

Year Principal paid yearly
(A)		 Interest paid yearly
(B)		 Total Payment
(A + B)		 Balance Loan Paid
To Date

Documents Required for Home Loan

Prepare these documents for faster home loan approval

Identity & Address Proof

  • 1.
    Aadhaar Card

    Valid, linked to mobile number

  • 2.
    PAN Card

    Mandatory for all loan applications

  • 3.
    Voter ID / Passport / Driving License

    Any one additional ID proof

  • 4.
    Utility Bills

    Electricity/Water bill (not older than 3 months)

Income & Property Proof

For Salaried Individuals
  • 1.
    Latest 3 months' salary slips
  • 2.
    Last 1 Year bank statements

    Showing salary credits

  • 3.
    Form 16 Part A and B or Form 26AS Part A and B

    For last 2 financial years

For Self-Employed
  • 1.
    Last 3 years' ITR with computation of income
  • 2.
    Last 1 Year bank statements
  • 3.
    Business Registration Proof / GST Certificate / MSME Certificate
  • 4.
    Last 1 Year GST Return.
Property Documents
  • 1.
    Title Deed / Sale Deed / Conveyance Deed

    All related deeds and ownership transfers from the last 13 years.

  • 2.
    Property Tax Receipt

    Latest receipt showing no dues

  • 3.
    Approved Building Plan

    From local authority ( no map required if the property is older than 13 years )

  • 4.
    Aggrement to Sale (ATS)

Uses of Home Loan

A home loan can help you achieve your dream of homeownership

Purchase a New Home

Buy your dream house or apartment with affordable financing

Construct a Home

Finance the construction of your house on owned land

Home Renovation

Upgrade or renovate your existing property with ease

Home Loan Balance Transfer

Transfer existing home loan for lower interest rates

Home Extension

Expand your home with additional rooms or floors

Purchase Commercial Property

Finance shops or office spaces for business needs

Land Purchase

Buy a plot of land for residential or investment purposes

Loan Against Property

Unlock funds by leveraging your existing property

Frequently Asked Questions

Get answers to common questions about home loans

A home loan is a secured loan provided by banks or NBFCs to finance the purchase, construction, or renovation of a residential property. It requires collateral (the property itself). You receive a lump-sum amount and repay it through fixed monthly installments (EMIs) over a tenure of 1-30 years. The interest rate, typically 8.35%-10.25% p.a., depends on your credit profile, income, and lender policies.

The general eligibility criteria include:
  • Age: 21-65 years for salaried and 25-70 years for self-employed
  • Income: Minimum monthly income of ₹25,000 for salaried individuals
  • Employment: At least 1 year; 3 years in business for self-employed
  • Credit Score: Generally 680 and above (higher scores secure better rates)
  • Valid KYC documents: PAN card, Aadhaar card, and address proof
  • Property: Must be approved by the lender
Specific eligibility may vary based on the lending partner.

With Loanfatafat.in, you can receive in-principle approval within 24-48 hours after submitting your application and required documents. Final approval and disbursal typically take 3-7 days, depending on property verification, legal checks, and document processing, ensuring a streamlined experience with our partner lenders in India.

The documents required for a home loan application through Loanfatafat.in include:
  • Identity & Address Proof: Aadhaar Card, PAN Card, Voter ID/Passport/Driving License (any one), and utility bills (not older than 3 months).
  • For Salaried Individuals: Latest 6 months' salary slips, last 1 Year bank statements showing salary credits, and Form 16 Part A and B or Form 26AS Part A and B for the last 2 financial years.
  • For Self-Employed Individuals: Last 3 years' ITR with computation of income, last 1 Year bank statements, and Business Registration Proof / GST Certificate / MSME Certificate
  • Property Documents: Title Deed/Sale Agreement, latest Property Tax Receipt, and Approved Building Plan from local authority.
Documents are processed through a digital verification system for faster approval.

Yes, most lenders allow prepayment or foreclosure of home loans after a minimum period (typically 6-12 months). For floating-rate home loans, RBI regulations prohibit prepayment penalties for individual borrowers. Fixed-rate loans may incur a penalty (1-2% of the outstanding amount). Check with the lender for specific terms before applying.

Your CIBIL score indicates your creditworthiness. A score of 680+ improves your chances of home loan approval and secures lower interest rates. Scores below 700 may result in higher rates or rejection. Loanfatafat.in provides a free eligibility assessment to help you understand your loan options without affecting your credit score.

Home loans may include charges like processing fees (0.25-1% of loan amount), legal and valuation fees, late payment penalties, and GST on fees. Loanfatafat.in ensures transparency by providing all fee details from partner lenders upfront. Always review the loan agreement for complete clarity on charges.
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