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Loan Against Property

Own Your Dream Home with KreditSeva

Buy Your Dream Home with KreditSeva Home Loans Make your dream of owning a home a reality. Get quick home loan approvals at low interest rates and step into your new home — without any financial worries.

₹5 Cr+Max Loan
8.5%From Rate
15 YrTenure

Compare the Best Home Loan Offers at KreditSeva

EMI CALCULATOR

Home Loan EMI Calculator

Adjust the sliders to calculate your monthly EMI, total interest, and repayment amount instantly.

Loan Break-up

Total ₹ 0
Principal Amount
Total Interest
₹50K₹5Cr
%
1%30%
1 Yr15 Yr
Monthly EMI₹ 0
Principal₹ 0
Total Interest₹ 0
Total Payable₹ 0
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Indicative values only. Actual EMI may vary based on lender terms.

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Instant score check, zero impact on your credit — unlock pre-approved offers from 25+ lenders.

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What is a Home Loan?

A Home Loan helps you buy, build, or renovate your dream home by financing a major part of the cost, which you repay in easy EMIs over a flexible tenure.

Whether you're purchasing a new house, constructing one, or upgrading your existing home, KreditSeva helps you compare the best options with low interest rates, high loan amounts, and quick approvals.

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Home Loan — Use Cases
Purchase of New or Resale Home
Home Construction on Owned Plot
Home Renovation & Extension
Plot Purchase & Construction
Balance Transfer & Top-Up Loan
Under-Construction Property
Low Interest · Long Tenure

Key Features of Home Loan

Finance your dream home with high loan amounts, low interest rates, long repayment tenures, and easy EMIs — making home ownership simple and affordable.

01

High Loan Amount

Get a home loan covering up to 90% of your property value, depending on your income profile, property type, and lender eligibility criteria.

02

Lower Interest Rates

Home loans come with some of the lowest interest rates among all loan types, keeping your EMIs affordable over the long term.

03

Long Repayment Tenure

Choose a repayment tenure of up to 30 years with convenient EMI options, making monthly payments easier to manage.

04

Quick Approval & Fast Disbursal

Get faster approvals and timely fund disbursal after successful property verification and documentation.

05

Tax Benefits

Enjoy income tax deductions on both principal and interest repayments under Sections 80C and 24(b) of the Income Tax Act.

06

Balance Transfer & Top-Up

Transfer your existing home loan for better rates, or get an additional top-up loan over your existing one for extra funds.

HOME LOAN REQUIREMENTS

Eligibility & Documents for Home Loan

Check the eligibility criteria and required documents for a Home Loan before applying with KreditSeva.

Eligibility Criteria for Home Loan

Indian citizen with valid identity proof
Age between 21 to 65 years (as per lender policy)
Salaried, self-employed individuals, business owners, or professionals eligible to apply
Minimum work experience or business continuity as per lender criteria
Stable income and sufficient repayment capacity
Healthy credit score (625+) preferred for better approval chances
Property should have clear title and meet lender legal & technical verification

Documents Required for Home Loan

PAN Card, Aadhaar Card, Passport / Voter ID
Address proof documents
Income proof (salary slips / business financial documents)
Last 6–12 months bank statements
ITR and income-related financial documents
Property documents / sale agreement / allotment letter
Approved building plan and property title documents
Recent passport-size photograph
No Hidden Charges

Get a Home Loan — Lowest Interest Rates!

KreditSeva helps you finance your dream home and compare loan offers from 25+ lenders — completely free.

90%Funding
30 YrsTenure
90+Lenders
Apply Now — It's Free
Loan Comparison

Compare Home Loan Interest Rates

Compare Home Loan interest rates from leading banks and NBFCs to find suitable options with competitive pricing and flexible repayment terms.

Bank / NBFC Interest Rate (p.a.) Max Loan Amount Max Tenure
SBI 7.25% – 8.70% As per eligibility Up to 30 Years
HDFC Bank From 7.90% Up to ₹10 Crore Up to 30 Years
ICICI Bank 7.65% – 9.80% Up to ₹10 Crore Up to 30 Years
Kotak Mahindra Bank From 7.70% As per eligibility Up to 30 Years
Axis Bank 8.35% – 11.90% Up to ₹5 Crore Up to 30 Years

*Home Loan interest rates, eligibility, approval terms, and final offers may vary depending on lender policies, property valuation, applicant income, credit score, and repayment capacity. Rates are indicative and updated as of May 2026.

HOW IT WORKS

Your Journey to a Secured Loan

From application to disbursal — simple, fast, and guided every step of the way.

01

Submit Application

Fill in your details online in under 2 minutes. No paperwork needed upfront.

02

Expert Consultation

Our advisor connects with you to match the right lender and loan type for your need.

03

Property Verification

Documents reviewed, income assessed, and your collateral is evaluated by the lender.

04

Approval & Disbursal

Loan approved and funds transferred directly to your bank account. Done!

Start Your Journey

Free service · No hidden charges · 25+ lenders

WHY KREDITSEVA

Why Choose KreditSeva for Home Loans?

Compare Top Home Loan Offers

We compare home loan options from 25+ banks and NBFCs to match you with the best rate, tenure, and loan amount.

Lowest Interest Rates

Home loans come with some of the lowest interest rates among all loans — keeping your EMIs affordable over a long tenure.

Quick Approval & Disbursal

Our digital process minimizes paperwork and ensures fast approvals so you can move into your new home without delays.

Expert Home Loan Guidance

Our loan advisors help you choose the right home loan — for purchase, construction, renovation, or balance transfer.

Zero Charges for Borrowers

Our eligibility check, lender comparison, and application support are completely free for all borrowers.

Tax Benefits & Top-Up Options

Avail income tax benefits on your home loan and access balance transfer or top-up options for extra funds.

10K+Customers Assisted
25+Lender Partners
30 YrsMax Tenure
FAQ

Frequently Asked Questions

Find answers to common questions about home loans, eligibility, documents, and the application process.

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A home loan is a secured loan that helps you buy, build, or renovate a house by financing a major part of the cost, which you repay in easy EMIs over a flexible tenure.

Salaried individuals, self-employed professionals, and business owners with stable income and a healthy credit profile can apply for a home loan, subject to lender criteria.

Common documents include PAN card, Aadhaar card, address proof, income proof, bank statements, ITR, property documents, and passport-size photographs.

Lenders typically finance up to 90% of the property value, with the final amount depending on your income, repayment capacity, credit history, and lender eligibility criteria.

Home loan interest rates are usually linked to the RBI repo rate and vary based on your credit score, loan amount, tenure, and lender terms.

Most lenders offer home loan repayment tenures of up to 30 years, allowing you to keep your monthly EMIs affordable.

Yes, you can claim tax deductions on both principal and interest repayments under Sections 80C and 24(b) of the Income Tax Act, subject to applicable rules.

Yes, you can transfer your existing home loan to another lender for a lower interest rate, and may also be eligible for an additional top-up loan.

You can use a home loan to buy a new or resale home, construct a house on your plot, renovate or extend your existing home, or purchase a plot for construction.

KreditSeva helps you compare suitable home loan options, check eligibility, understand EMI plans, and get expert assistance throughout the loan process.

Fill out the online application form with your basic details, and the KreditSeva team will guide you through eligibility checks, documentation, and the complete loan process.

Yes. Many lenders consider applications from borrowers who already have existing EMIs. Approval depends on factors such as your income, repayment history, Credit Score, and overall debt-to-income ratio. Managing existing loans responsibly can positively impact your eligibility.

KreditSeva simplifies the borrowing process by helping customers compare and access suitable loan solutions from multiple lending partners.

Benefits of KreditSeva:

  • ✔ Access to multiple Banks & NBFCs through a single platform
  • ✔ Expert assistance for Personal Loans, Business Loans, Debt Consolidation, and Balance Transfers
  • ✔ Guidance on improving loan eligibility
  • ✔ Faster application coordination and lender matching
  • ✔ Transparent process with no hidden charges from KreditSeva
  • ✔ Dedicated support throughout the application journey
  • ✔ Personalized solutions based on your financial profile

Our goal is to help customers make informed borrowing decisions and find financial solutions that best meet their needs.