Compare the cost
Review the indicative rate, APR or applicable charges, EMI and total repayment—not only the advertised rate.
Loan guide & eligibility
Home Loan in India – Check Interest Rates, EMI & Eligibility
Explore home loan options for purchasing, constructing, renovating or transferring an eligible residential property loan. Compare indicative rates, estimate your EMI and understand the documents lenders may require before you apply.
Indicative starting rate8.40%* p.a.
Indicative EMI₹762/lakh*
Maximum tenureUp to 30 years*
*Indicative information currently displayed on Credit Lelo. Actual rates, loan amount, EMI and tenure are lender-dependent and subject to eligibility and approval.
Benefits & features
Home Loan features currently available through our partner network
Availability varies by lender, applicant profile and product policy.
Key benefits
- ✓Lowest Interest RatesStarting at 8.40% p.a.
- ✓Tenure up to 30 YearsLower EMI, longer comfort
- ✓Tax BenefitsSave under 80C and 24B
- ✓Balance TransferMove loan, save big
Product features
- ✓Loan up to ₹10 CrFor premium properties
- ✓Up to 90% FundingOf property value
- ✓Zero ForeclosureOn floating rate loans
- ✓Doorstep ServiceEnd-to-end pickup
Home Loan eligibility
Basic eligibility factors
- ✓Age21 to 65 years
- ✓IncomeMin ₹25,000/month
- ✓EmploymentSalaried or Self-Employed
- ✓Credit Score700+ preferred
These are indicative criteria. Each lender performs its own underwriting and may apply additional conditions.
Home Loan documents
Documents you may need
- ↗KYCAadhaar, PAN, photograph
- ↗Income ProofSalary slips / ITR (3 years)
- ↗Bank StatementsLast 6 months
- ↗Property DocumentsSale agreement, NOC
Document requirements can differ by lender and applicant profile.
Detailed loan guide
How to compare a Home Loan before you apply
Check your eligibility
Income, repayment capacity, credit profile and product-specific property or vehicle details can affect approval.
Read the final terms
Confirm tenure, security conditions, prepayment rules and the lender's Key Facts Statement before accepting an offer.
A home loan is a long-term borrowing commitment, so compare more than the advertised home loan interest rate. Review the proposed loan amount, margin or loan-to-value, repayment tenure, monthly EMI, processing charges, property-related costs, reset terms for floating rates and prepayment conditions.
Home loan eligibility commonly depends on factors such as income, repayment capacity, age, employment or business profile, credit history, existing obligations and the property being financed. The lender may also verify property documents and conduct its own legal and technical assessment.
For floating-rate EMI-based loans, regulated lenders may need to communicate the possible impact of benchmark-rate changes and the options available when interest rates reset, depending on the applicable product and regulatory requirements. Always review the lender’s Key Facts Statement and sanction terms before accepting an offer.
Home LoanHousing LoanHome Loan Interest RateHome Loan EligibilityHome Loan EMIHome Loan Documents
Borrower reference: the Reserve Bank of India requires covered regulated entities to provide a Key Facts Statement with important loan terms and the all-in cost. RBI reference. Credit-score reference: TransUnion CIBIL.
Indicative lender information
Compare displayed Home Loan rate information
Rates and fees can change. Confirm the current offer directly from the lender's Key Facts Statement or sanction communication.
HDFC Bank
8.40%
Processing 0.5%
ICICI Bank
8.40%
Processing 1%
Axis Bank
8.40%
Processing 0.75%
The above information is drawn from the product data currently configured on this website and should be treated as indicative, not a live lender quote.
Home Loan EMI calculator
Estimate the monthly EMI for your Home Loan
This calculator is for illustration only and does not include all charges that may form part of the loan's APR.
Home Loan FAQs
Frequently asked questions
Up to ₹10 Cr depending on income and property value (up to 90% LTV).
Yes, floating rate home loans have zero prepayment charges.
Yes — up to ₹1.5L on principal (Sec 80C) and ₹2L on interest (Sec 24B).
Check the Annual Percentage Rate (APR), processing and other charges, EMI, loan tenure, rate type, reset conditions, prepayment or foreclosure terms and the Key Facts Statement provided by the lender.
Yes. When the benchmark rate changes, the lender may change the EMI, tenure or both subject to the loan terms and applicable RBI requirements. The lender should communicate the impact and available options.
It can. Lenders may use credit history and credit scores as part of their underwriting along with income, repayment capacity, existing obligations and property-related checks.
Reference: TransUnion CIBIL – Consumer Credit Risk Assessment
Important: Credit Lelo is a loan aggregation and enquiry facilitation platform, not a bank or NBFC. Product information on this page is indicative. Final eligibility, loan amount, interest rate, APR, processing fee, security requirements, tenure, approval and disbursal are determined by the relevant lender after assessment.