Home Loan
Affordable EMIs for your dream home, from India’s top banks. Compare offers from our RBI-regulated bank & NBFC partners — free, with a dedicated advisor.
What is a Home Loan?
A home loan is a secured loan from a bank or NBFC that helps you purchase, construct, or renovate a residential property — with the property itself serving as collateral until the loan is fully repaid. Because it’s secured, home loans typically carry the lowest interest rates of any retail loan product. Under the old income-tax regime, the principal and interest you repay can also qualify for tax deductions, subject to the limits in force.
LTV / collateral: Up to 90% — RBI LTV slabs: up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh, 75% above ₹75 lakh.
Why take it through Kredistar
- Partnered with top banks for the lowest home loan rates
- Tenure stretches up to 30 years for lighter EMIs
- Balance transfer option if you already have a home loan elsewhere
- Tax deductions on principal & interest under the old tax regime (as per prevailing income-tax rules)
- One application compared across our bank & NBFC panel — zero fee to you
Types of Home Loan
Financing to buy a ready-to-move-in or under-construction flat or house.
Funds disbursed in stages as you build on a plot you already own.
Financing to buy a residential plot, often paired later with a construction loan.
For repairs, remodeling, or extending an existing home.
Move an existing home loan to a lender offering a lower rate.
Additional funds on top of an existing home loan, usually at home-loan rates.
Eligibility
- Salaried or self-employed, 23–65 years
- Minimum monthly income ₹25,000
- Good CIBIL score preferred
- Property should be clear-titled
Documents
- PAN card and Aadhaar card
- Last 3 months’ salary slips or ITR (self-employed)
- Bank statements — last 6 months
- Property documents and sale agreement
Do’s
- Compare rates across multiple lenders before committing
- Keep your CIBIL score above 750 for the best rates
- Budget for stamp duty and registration costs, not just the EMI
- Choose a tenure that balances EMI affordability with total interest paid
- Get the property title legally verified before applying
Don’ts
- Don’t max out your loan eligibility just because it’s offered
- Don’t skip reading the fixed-vs-floating rate fine print
- Don’t apply to many lenders at once — multiple hard inquiries hurt your CIBIL
- Don’t ignore prepayment or foreclosure charges when comparing offers
- Don’t proceed if the property title isn’t clear and marketable
Estimate your Home Loan EMI
Indicative calculation on a reducing-balance basis. Excludes processing fee, GST and other lender charges.
Home Loan — common questions
Can I get a home loan with a co-applicant?
Fixed or floating interest rate — which is better?
Can I prepay my home loan?
How much down payment do I need?
Can self-employed individuals get a home loan?
Our banking & NBFC partners
Loans are sanctioned and disbursed by these RBI-regulated lenders. Kredistar is their sourcing partner (DSA) — compare them and apply in one place.
Indicative starting rates published by lenders (Oct 2026) — your rate depends on your profile. Names and logos are trademarks of their respective owners, shown only to identify our lending partners.
Other loans you can compare
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