Home FAQ's About Us Get a Consultation
Home › Services › Home Loan

Home Loan — Buy Your Dream Home

Get the lowest interest rates, fastest approvals, and complete end-to-end support from our expert team.

What is a Home Loan?

A Home Loan is a secured loan provided by banks and NBFCs to help you purchase, construct, or renovate a residential property. The property itself acts as collateral until you repay the loan.

At Property Loan Consultant, we compare 50+ lenders to find you the best interest rate, highest loan amount, and fastest disbursement — saving you both time and lakhs of rupees.

Key Highlights

  • Interest rates starting from 8.35% p.a.
  • Loan amount up to ₹10 Crore
  • Repayment tenure up to 30 years
  • Up to 90% of property value financed
  • Salaried & self-employed both eligible

Eligibility Criteria

  • Age: 21 to 65 years
  • Salaried employees with minimum 2 years of work experience
  • Self-employed professionals & business owners
  • Minimum monthly income: ₹25,000 (varies by lender)
  • Good credit score (700+ preferred)
  • Stable income with clean repayment history

Documents Required

  • Identity Proof: Aadhaar, PAN Card
  • Address Proof: Utility bill / Passport
  • Income Proof: Salary slips / ITR (last 2 years)
  • Bank Statements: Last 6 months
  • Property Documents: Sale agreement, NOC
  • Passport-size photographs

Home Loan — FAQs

Common questions about home loan eligibility, process, and documents.

How much home loan can I get?
You can get up to 90% of the property value for properties under ₹30 lakhs, 80% for ₹30–75 lakhs, and 75% for properties above ₹75 lakhs, subject to your income and repayment capacity.
What credit score is required for a home loan?
A CIBIL score of 700 or above is preferred by most lenders. Some NBFCs may consider applicants with lower scores, though the interest rate may be slightly higher.
Can self-employed individuals apply for a home loan?
Yes. Self-employed professionals and business owners can apply by submitting ITR for the last 2–3 years, audited financials, and bank statements. We work with lenders who have flexible income assessment norms.
What is the maximum tenure for a home loan?
Most lenders offer a maximum tenure of up to 30 years. The actual tenure depends on your current age — the loan must typically be repaid before age 65–70 (varies by lender).
How long does the home loan approval process take?
With complete documentation, most banks provide in-principle approval within 3–5 working days and full sanction within 7–15 working days. Our team ensures your file is error-free to avoid delays.

Ready to Get Your Home Loan?

Fill our quick enquiry form and we will get back to you within 24 hours.

Get Free Consultation
Enquiry Received! Our consultant will call you within 2 hours.