Apply for a Home Loan todayin {{city | titlecase}}.

Get your home loan approved within days with transparent lending criteria and transparent processes.

  • Current home loan interest rates start @10.25% Check Best Offers
  • Compare home loan rates of different banks to get the best offer from HDFC Bank, Tata Capital, ICICI Bank, IDFC First Bank, Axis Bank
  • Get a home loan based on your eligibility at the best rates using a home loan eligibility calculator online.
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EMI Calculator

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What is Home Loan

Most scheduled banks as well as numerous Housing Finance Companies (HFCs) offer home loans for financing the purchase of homes. At present, the interest rates for home loans start at 6.40 percent p.a. for tenures up to 30 years , based on the credit score of the applicant as well as income per month and loan amount LTV ratio and job profile, employer's profiling, etc.The home loan amount can range from 75% - 90 percent of the home's value based on the credit history of the borrower and the limits on LTV ratios set by lenders.

Features and Benefits of Home Loan

Given are the features and benefits of a home loan:-

  • All of these requirements may be met with home equity loans.


  • For house loans, there are just a few simple prerequisites.


  • Competitive and Affordable interest rates on mortgages.


  • We don't charge any additional costs.


  • Fast and simple processing is the norm.


  • It is possible to hold a position for up to thirty years.


  • IA one-stop shop for everything you needs.


  • Digital home loan calculators make budgeting for a mortgage much easier.


How to Apply for a Best Home Loan Online?

To apply for an online best home loan, either you can visit the official website of the lender or perform the following steps:-

  • Step 1 : If you need a thorough home loan comparison before deciding on the bank, visit credit.nsserver.in.
  • Step 2 : Click on the Home Loan tab.
  • Step 3 : Fill in the required information like name, contact No, loan amount required,PanCard No etc on the form given on the right side.
  • Step 4 : Click on ‘Submit Button'.
  • Step 5 : At this step, you will be requested to provide a few more details to get customised offers.
  • Step 6 : Compare your eligible offers and select the one that meets your requirements.
  • Step 7 : Get assistance from our loan advisors or choose to complete the online journey to get instant loan approval and disbursal.

Documents Required for Home Loan

You need to be ready with the following list of documents to be submitted at the time of home loan application:-

  • Identity proof- PAN Card, Aadhaar Card,Passport Size Photo.
  • Address proof- Passport, Driving License, Election ID card, Electricity bills,Rent Agreement
  • Co Applicant's Photo,co Applicant's KYC(AadharCard,PanCard)
  • Bank statement- Bank statement of prior 1 year,6 Month Salary Slip
  • G A 55/Form 16
  • Property Papers,OwnerShip proof(Electricity bill,water Bill)
  • Employment certificate- that states one year of constant employment.

Home Loan EMI Calculator

Home Loan EMI Calculator is an online tool that helps you to calculate the EMI by entering details about the loan amount, interest rate and tenure. Advanced EMI calculators also build an amortization schedule which gives you a break up of every EMI into interest as well as loan repayment. EMI calculators are preferable over manual calculation due to their instant and accurate results and an ability to do multiple calculations in one go.




How to Get Instant Approval on Home Loan?

To get instant approval on a home loan, you need to fulfil the following conditions:-

  • A good relationship with your existing bank is maintained by paying off dues and instalment on time. If you are a savings account holder, ensure that you maintain the minimum required balance per month. This way, the lender develops trust in you and grants you an instant loan based on your financial credibility.
  • Make credit card payments on time and maintain a good balance between no use and excessive usage of your credit card.
  • A good credit score is key to getting a loan quickly. Maintain a good credit score above 650 and get the loan amount sanctioned in the account within no time.
  • If you are working with top corporations and getting timely salary credits, you stand a better chance of getting a loan.
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