Home Loan
Fulfil your dream of owning a home with attractive rates, 30-year tenure and simple documentation.
Own Your Dream Home with Affordable EMIs
A home loan is often the single largest financial decision of your life. Loansathi Finverse simplifies it by comparing 15+ home loan offers side by side — helping you evaluate not just the interest rate, but also processing fees, insurance bundling, tenure flexibility and hidden costs.
Whether you are buying a ready-to-move apartment, an under-construction flat, a resale property or planning to build on your own plot — our advisors handle everything from eligibility check to bank co-ordination, valuation, legal opinion and disbursement.
You also get expert advice on maximising tax benefits under Section 80C and 24(b), and on choosing between fixed and floating rates.
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Key Features & Benefits
Purchase & Construction
Buy, build, renovate or extend.
Long Tenure
Up to 30 years for lower EMIs.
High Amount
₹20 Lakh up to ₹500 Crore for premium properties.
Tax Benefits
Save up to ₹3.5 L/year under 80C + 24(b).
Balance Transfer
Switch existing home loan to lower rates.
Instant Sanction
Digital pre-approval in 24 hours.
Eligibility Criteria
- ✅ Age: 21 to 70 years (at loan maturity)
- ✅ Salaried: minimum 3 years work experience
- ✅ Self-employed: 3 years business vintage
- ✅ Minimum monthly income: ₹25,000
- ✅ Minimum CIBIL: 700+
- ✅ Property should be legally clear
Documents Required
- 📄 KYC — PAN, Aadhaar, address proof
- 📄 Income proof — salary slips + Form 16 / ITR
- 📄 6 months bank statement
- 📄 Property agreement / allotment letter
- 📄 Chain of title documents
- 📄 Property tax receipt & approved plan
- 📄 Employment or business proof
FAQs about Home Loan
For most borrowers, floating rates are cheaper long term. Fixed rates suit borrowers who want EMI certainty for short tenures.
Yes. Adding spouse or parents as co-applicant increases eligibility and offers joint tax benefits.
LTV (Loan-to-Value) is the % of property value the bank funds — typically 75–90% depending on loan amount.
No. For floating-rate individual home loans, RBI has abolished prepayment/foreclosure charges.