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Home / Home Loan

Own Your Home in Delhi NCR Simplified Home Loans for Every Buyer

Whether you’re buying a Property in  New Delhi or Ghaziabad , moving to Noida, or buying your first flat in Gurugram, we help you compare the best home loan options from Banks and HFCs. Enjoy a fast application process, the lowest rates, and reliable local support.
 
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Why Home Loans Matter in Delhi NCR

The real estate market in Delhi NCR has experienced significant growth, making strategic financing a necessity for modern buyers.

Unprecedented Market Growth
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Year-on-year price increase in the region. This rapid surge makes financing non-negotiable for most buyers.

Affordability

With property values rising, most buyers require financing. Having the right home loan can make all the difference in affordability, monthly payments, and long-term costs.

Created by MUHAMMAT SUKIRMANfrom the Noun Project

Aggregation

As an aggregator, we add value by bringing multiple lenders together, comparing rates, assisting with eligibility, and guiding borrowers through the documentation and application process.

Current Rate & Market Snapshot

Top profile
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Typical starting rate in India for eligible profiles.

Good profile (average loan amount)
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Rates can go up to 15% for less favourable profiles.

Larger loans / less favourable profile
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Common indicative range offered for many home loans.

Fixed-rate loans or special features
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Common indicative range offered for many home loans.

Note: Rates are floating/linked to benchmark unless otherwise specified; actual rate depends on bank, credit score, loan amount, tenure, property value etc.

Get Personalized Rates Quotes

Our Process – Step by Step

Enquiry & consultation (free assessment)

1

Assigning of specialised executive

2

Loan eligibility calculation & property check

3

Document submission

4

Loan offer & sanction

5

Disbursement & registration support

6

After-loan support (EMI tracking, top-up, refinancing)

7

Key Features & Types of Home Loans

A visual guide to the essential features to evaluate and the specific loan products available for property buyers in Delhi NCR.

Interest Rate (Floating vs. Fixed)

Floating rates may start lower but can fluctuate; fixed rates are stable but usually higher.

047 - Flexible Payments

Loan Tenure (Up to 30 Years)

Longer tenure reduces EMIs. Lenders often offer up to 30-year terms.

Loan-to-Value (LTV)

The percentage of the property’s value the lender will finance, impacting your down payment.

Fees & Foreclosure Charges

Evaluate processing fees and prepayment charges (often zero for floating-rate loans).

Special Schemes

Opportunities for women, first-time buyers, and affordable housing customers.

Balance Transfer Offers

Transfer your existing loan to a new lender for better rates or terms.

Standard home purchase loans:

For buying ready-to-move-in or under-construction properties
(subject to builder approvals).

Under-construction/project loans:

Require builder approvals and additional verification.

Top-up/home improvement loans:

For renovation or home upgrades.

Balance transfer loans:

For moving an existing loan to another lender offering better terms.

Affordable housing and first-time buyer schemes:

Often include lower interest rates or government subsidies — for example, under the Pradhan Mantri Awas Yojana (PMAY) scheme.

Start Your Application

Eligibility – What Lenders in Delhi NCR Typically Look For

Below are the usual eligibility criteria (to be customised based on each lender’s offerings):

  • Age

    Minimum and maximum age at loan maturity.

  • Employment status

    Salaried vs. self-employed — self-employed applicants generally need more documentation.

  • Income stability and proof

    Bank statements, ITRs, and salary slips.

  • Credit score/history:

    A higher CIBIL score generally leads to a better rate. For example, some banks link rate bands directly to credit score ranges.

  • Property eligibility

    Clear title, approved project, occupancy status, and compliance with local building norms.

  • Down payment/own contribution

    Usually 10–20%, depending on the lender.

  • Other factors

    Presence of co-applicants, existing liabilities, and the property’s age or builder credentials (especially for under-construction projects).

Age

Minimum and maximum age at loan maturity.

Down payment/own contribution

Usually 10–20%, depending on the lender.

Income stability and proof

Bank statements, ITRs, and salary slips.

047 - Flexible Payments

Employment status

Salaried vs. self-employed — self-employed applicants generally need more documentation. For instance, one lender in Delhi offers a lower rate (10%) for salaried applicants compared to 11% for self-employed borrowers.

Credit score/history

A higher CIBIL score generally leads to a better rate. For example, some
banks link rate bands directly to credit score ranges.

Property eligibility

Clear title, approved project, occupancy status, and compliance with local building norms.

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