Home Loan Solutions
Your dream home is closer than you think with customized housing finance options and seamless DSA processing.
Quick Highlights
About the Loan
A Home Loan is a secured financial product that allows individuals to purchase, construct, or renovate a residential property. Whether you are looking to buy a new apartment, construct a house on a plot of land, or renovate your existing property, Loansta connects you with top banks and NBFCs in India to secure the most competitive interest rates. Home loans generally feature longer repayment tenures of up to 30 years, making EMIs affordable. Choosing the right home loan involves understanding key factors such as fixed vs floating interest rates, processing charges, and the balance transfer facility. Floating rates are linked to the repo rate (RLLR/MCLR), meaning your EMI fluctuates with RBI policies, while fixed rates remain constant for a specified period, offering predictability. Loansta provides home buyers with expert assistance, helping you compare offers from India's leading banks including HDFC Bank, SBI, ICICI Bank, Axis Bank, and LIC Housing Finance. We help you navigate legal verification, technical property appraisals, stamp duty calculations, and property registration costs. Home loans also offer substantial tax benefits under Section 24(b) for interest paid (up to ₹2 Lakhs) and Section 80C for principal repayment (up to ₹1.5 Lakhs), significantly lowering your overall borrowing cost. Let our experienced DSA experts handle your paperwork for a hassle-free, door-step home loan experience.
Benefits of Loansta
✓Attractive Interest Rates
Start as low as 8.40% p.a. linked to repo-rate benchmarks for immediate benefits.
✓Long Repayment Tenure
Spread your EMIs comfortably over a flexible tenure of up to 30 years.
✓Tax Savings Benefits
Save up to ₹3.5 Lakhs annually on interest and principal repayments under Sec 24b & 80C.
✓Simple Balance Transfer
Switch your high-interest home loan to partner banks with lower rates easily.
✓Top-Up Loan Facility
Access additional funds at home loan rates for construction or renovation needs.
✓Doorstep Advisory Support
Our relationship manager collects documents and manages bank coordination at your home.
✓Zero Prepayment Penalty
Prepay or foreclose your floating rate home loan at any time with zero charges.
✓Multiple Lenders
Compare and choose from 50+ leading government banks, private banks, and HFCs.
✓Safe Property Appraisal
Rest assured with banks performing detailed legal and technical checks on your property.
✓High Loan-to-Value (LTV)
Get funding up to 80% to 90% of the property value depending on the loan bracket.
Features & Variants
Home Construction Loan
Finance the construction of your own house on an existing plot of land.
Plot Purchase + Construction
Composite loan to buy a residential plot and build a home within a set period.
Home Renovation/Extension
Upgrade your living space, repair roofs, paint, or add new rooms with ease.
Eligibility Criteria
- Age: 21 to 65 years (70 years for self-employed at maturity)
- Nationality: Resident Indian or Non-Resident Indian (NRI)
- Employment: Salaried with 2+ years of experience, or self-employed with 3+ years of business stability
- Income: Minimum ₹25,000 monthly (salaried) or ₹3 Lakhs ITR per annum (self-employed)
- Requirements: Clean credit score (CIBIL 750+ preferred) and legally clear property documents.
Required Documents
- PAN Card and Aadhaar Card (KYC)
- Proof of Address (Utility bill, Passport, Voter ID)
- Last 3 months' Salary Slips and Form 16 (Salaried)
- Last 6 months' Bank Account Statement showing salary credits
- Last 2 years' ITR with computation, P&L, and Balance Sheet (Self-Employed)
- Original Property Documents (Allotment letter, Sale Agreement, Title deeds, Approved plan)
Interest Rate Comparison
| Bank Name | Interest Rate | Processing Fee | Max Tenure |
|---|---|---|---|
| SBI Home Loan | 8.40% - 9.15% | 0.35% of loan amount | Up to 30 Years |
| HDFC Home Loan | 8.45% - 9.25% | 0.50% or ₹3,000 | Up to 30 Years |
| ICICI Home Loan | 8.50% - 9.35% | 0.50% of loan amount | Up to 30 Years |
| Axis Home Loan | 8.55% - 9.40% | Up to ₹10,000 | Up to 30 Years |
Plan Your EMI Smartly
See your monthly EMI before you apply — adjust amount, rate and tenure.
Principal vs Interest
- Principal (77.5%)₹15,00,000
- Interest (22.5%)₹4,34,451
Year-wise Repayment
- Outstanding balance
- Paid-down area
How to Apply
Choose Loan
Compare & pick products
Fill Form
Submit basic inputs
Upload Docs
Share digital KYC
Verification
Bank reviews files
Approval
Get sanction letter
Disbursement
Money in account
Customer Testimonials
Suresh Pillai
Mumbai"Securing a home loan was incredibly fast. Loansta handled all bank legal clearances within 10 days!"
Neha Sharma
Delhi"Saved more than ₹2 Lakhs on my overall interest using their balance transfer service to switch to SBI."
Rahul Deshmukh
Pune"Support was excellent. The advisor came to my office, picked up documents, and got the loan sanctioned."
Priya Nair
Kochi"I highly recommend Loansta for home loans. They negotiated a low processing fee and floating rate."
Vikram Malhotra
Noida"Got a top-up loan alongside my home purchase at the exact same interest rate. Extremely transparent."
Anand Gupta
Gurugram"Clear, prompt communication. Guided me through stamp duty and registration expenses."
Frequently Asked Questions
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