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Home Loan Financing
HomeHome Loans
15+ PARTNER BANKS • DIRECT ADMIN LEAD MAPPING

Your Dream Home,
Our Expert Home Loan Support

Calculate exact EMIs with down payment, fees, and amortization schedule. Apply with any partner bank to connect directly with our admin loan advisors.

Detailed Home Loan EMI Calculator

Calculate loan amount, down payment, monthly EMI, fees, and year-by-year repayment schedule

Total Property Value₹60.0 Lakhs
Down Payment (20%)₹12.00 Lakhs
10% Down50% Down
Net Calculated Loan Amount:₹48.00 Lakhs
Interest Rate (% p.a.)8.4%
State Bank of India (SBI) range: 8.40% – 9.15% p.a.
Tenure (Years)20 Yrs (240 Mos)
1 Year30 Years
Estimated Processing Fee (0.5%)₹24,000
Standard bank fee: 0.35% of loan amount (Min ₹2,000 + GST, Max ₹10,000 + GST)
Estimated Monthly EMI
₹41,352/mo
Principal: 48%Interest: 52%
Principal Loan Amount:₹48,00,000
Total Interest Payable:₹51,24,480
Down Payment Amount:₹12,00,000
Processing Fee Amount:₹24,000
Total Loan Repayment:₹99,24,480
Trusted Banking Partners

Our Banking Partners

Click any bank to view full interest rate ranges, processing fees, photo galleries, and loan schemes

Compare Loan Offers
State Bank of India (SBI)
8.4% p.a.
State Bank of India (SBI)

State Bank of India (SBI)

8.40% – 9.15% p.a.
Processing Fee:0.35% of loan amount
Max Tenure:Up to 30 Years
View Full Loan Details
HDFC Bank
8.5% p.a.
HDFC Bank

HDFC Bank

8.50% – 9.25% p.a.
Processing Fee:0.50% of loan amount or ₹3,000
Max Tenure:Up to 30 Years
View Full Loan Details
ICICI Bank
8.55% p.a.
ICICI Bank

ICICI Bank

8.55% – 9.30% p.a.
Processing Fee:0.50% of loan amount
Max Tenure:Up to 30 Years
View Full Loan Details
Axis Bank
8.6% p.a.
Axis Bank

Axis Bank

8.60% – 9.35% p.a.
Processing Fee:Up to 1% of loan amount
Max Tenure:Up to 30 Years
View Full Loan Details
Bank of Baroda
8.4% p.a.
Bank of Baroda

Bank of Baroda

8.40% – 9.10% p.a.
Processing Fee:Nil
Max Tenure:Up to 30 Years
View Full Loan Details
Punjab National Bank (PNB)
8.45% p.a.
Punjab National Bank (PNB)

Punjab National Bank (PNB)

8.45% – 9.20% p.a.
Processing Fee:0.35% of loan amount
Max Tenure:Up to 30 Years
View Full Loan Details
LIC Housing Finance (LIC HFL)
8.5% p.a.
LIC Housing Finance (LIC HFL)

LIC Housing Finance (LIC HFL)

8.50% – 9.15% p.a.
Processing Fee:₹10,000 for loans up to ₹50L, ₹15,000 above ₹50L
Max Tenure:Up to 30 Years
View Full Loan Details
Diverse Financial Solutions

Explore Different Types of Home Loans

Whether buying a flat, purchasing a plot, or renovating your home, we have custom solutions for every requirement

Home Purchase LoanStarting @ 8.40% p.a.

Home Purchase Loan

For buying ready-to-move or under-construction residential flats & villas.

Up to 90% Property Financing
Tenure up to 30 Years
Tax Benefits under Sec 80C & 24(b)
Plot + Construction LoanStarting @ 8.50% p.a.

Plot + Construction Loan

Purchase residential plot land & finance home construction simultaneously.

Combined Plot & Building Funds
Tranche Disbursements
5 Years Construction Window
Home Loan Balance TransferStarting @ 8.40% p.a.

Home Loan Balance Transfer

Transfer existing loan to a new bank offering lower interest rates & lower EMI.

Substantial Monthly EMI Savings
Top-Up Loan Facility Available
Zero Prepayment Penalties
Home Renovation LoanStarting @ 8.65% p.a.

Home Renovation Loan

Funds for upgrading, repainting, interior design, flooring, and extension.

Up to 100% Renovation Estimate
Minimal Paperwork
Quick Sanction in 48 Hours
NRI Home LoanStarting @ 8.50% p.a.

NRI Home Loan

Tailored home financing for Non-Resident Indians & Persons of Indian Origin.

Power of Attorney (POA) Support
NRE / NRO Account Servicing
Tax Deduction Benefits in India
Commercial Property LoanStarting @ 9.10% p.a.

Commercial Property Loan

Financing for buying commercial office spaces, shops, and retail units.

Up to 75% LTV Financing
Tenure up to 15 Years
High Capital Asset Building
TAX SAVINGS GUIDE

Save Up to ₹5.0 Lakhs Annually in Taxes

Home loans offer powerful tax deduction benefits under Income Tax Act 1961 for principal and interest payments.

Section 80C

Up to ₹1.50 Lakhs

Deduction on Principal Amount repaid during the financial year.

Section 24(b)

Up to ₹2.00 Lakhs

Deduction on Interest Paid for self-occupied residential property.

Section 80EEA

Additional ₹1.50 Lakhs

Extra interest deduction for first-time home buyers of affordable housing.

Joint Home Loan

Double Benefits

Co-borrowers (e.g. husband & wife) can each claim individual tax limits!

Credit Score & Approval

How Your CIBIL Score Affects Interest Rates

Banks offer tier-based interest rates linked directly to your credit score profile

Lowest Rates

750 – 900

Excellent Profile

Eligible for lowest interest rate slabs starting @ 8.40% p.a., 100% processing fee waivers, and instant digital approval.

Standard Rates

700 – 749

Good Profile

High approval rate with standard interest rate slabs (8.55% – 8.75% p.a.) and standard processing fees.

Moderate Risk

650 – 699

Average Profile

Approved with slightly higher interest rates (8.90%+). Adding a co-applicant improves your rate eligibility.

Action Required

< 650

Needs Credit Cleanup

Requires credit score enhancement or adding a high-salaried co-borrower to get approved.

Smart Decision Tool

Confused Between Two Bank Loan Offers?

Use our live Compare Tool to evaluate interest rates, EMIs, and total savings side-by-side. Discover exactly how much you save!

Launch Compare Banks Tool
Hassle-Free Approval

Our Simple 6-Step Home Loan Process

From application to disbursement, we handle everything for you

1

Check Eligibility

Compare loan offers across 15+ banks based on your income.

2

Select Best Offer

Choose the lowest interest rate and optimal repayment tenure.

3

Doorstep Pickup

Our executive collects required documents right from your home.

4

Legal & Valuation

Bank verifies property documents and conducts site appraisal.

5

Loan Sanction

Receive official loan sanction letter with final approved terms.

6

Disbursement

Loan amount is directly disbursed to the builder or seller.

Eligibility Criteria

1
Age Limits
21 years to 65 years at the time of loan maturity.
2
Minimum Net Salary
₹25,000 per month (varies by tier 1 / tier 2 city).
3
Work Experience
Minimum 1 year job continuity with current employer.
4
Credit Score (CIBIL)
750+ score preferred for lowest interest rate slabs.

Documents Required Checklist

Identity & Address ProofPAN Card, Aadhaar Card, Passport, Voter ID or Driving License.
Income ProofSalaried: 3 months salary slips, 6 months bank statement, Form 16. Self-Employed: 3 yrs ITR, P&L.
Property DocumentsCopy of Sale Agreement, Mother Deed, Approved Building Plan & EC (Encumbrance Certificate).
PropNavigate Advantage

Why Choose PropNavigate for Home Loans?

We simplify your home loan journey from application to key handover

100% Free Service

Our complete home loan advisory and doorstep documentation service is completely free for home buyers.

Multi-Bank Network

Access 15+ public & private banks in one place to guarantee you get the lowest interest rate slab.

Doorstep Document Pickup

No long branch queues. Our certified loan executive collects and verifies documents right from your office or home.

Dedicated Loan Expert

Get single-point assistance from a dedicated advisor who tracks your application until final disbursement.

Frequently Asked Questions

Got Questions About Home Loans?

Eligibility depends on age (21-65 years), stable monthly net income (₹25,000+), job/business continuity (2+ years), and a healthy CIBIL credit score (750+ preferred for best interest rates).
Loan Consultation
Get Personal Assistance

Ready to Lock In the Lowest Home Loan Interest Rate?

Speak with our senior home loan specialist today. We evaluate all 15+ partner bank offers to get you pre-approved fast.