Institutional Credit Facility
Home Loan
Prime residential mortgage financing with top institutional desks.
Complete home financing solutions for ready-to-move apartments, under-construction towers, plot purchases, and self-construction across Noida, NCR, and all major metro hubs.
Check Eligibility4-hour callback · No CIBIL impact
Starting Rate
8.40%p.a.
Facility Ceiling
Up to ₹10 Crore
Tenure Horizon
5–30 Years
Processing Fee
Zero to ₹5,000 flat (negotiated waivers)
Advisory Transparency
Facility Suitability at a Glance
We decline mandates where other credit structures serve the client better.
Recommended For
- •First-time homebuyers purchasing ready or under-construction apartments in Noida / NCR
- •Borrowers looking to construct a home on a freehold or authority plot
- •Existing borrowers seeking to transfer their loan for lower rates and zero prepayment penalty
- •Joint applicants seeking to maximize tax savings under Section 24 and Section 80C
Not Recommended For
- •Commercial office or retail store purchases (use Loan Against Property instead)
- •Unregistered properties without clear chain of title or local development authority approvals
- •Short-term funding needs under 3 years
Live Credit Desk Benchmarks
Updated September 2026 · Wholesale BandingInstitutional Partner Comparison
| Lending Institution | Indicative Interest Rate | Max Tenure | Processing Fee | Action |
|---|---|---|---|---|
| State Bank of India | 8.40% – 9.15% | 30 Years | Zero (Festive Scheme) | Apply→ |
| HDFC Bank | 8.45% – 9.25% | 30 Years | ₹3,000 flat | Apply→ |
| ICICI Bank | 8.50% – 9.30% | 30 Years | ₹2,500 – 0.25% | Apply→ |
| Bank of Baroda | 8.40% – 9.10% | 30 Years | Zero | Apply→ |
| Kotak Mahindra Bank | 8.55% – 9.20% | 25 Years | ₹5,000 flat | Apply→ |
Underwriting Matrix
Institutional Eligibility Criteria
| Criterion | Salaried Individual | Self-Employed / MSME | Certified Professional |
|---|---|---|---|
| Age Bracket | 18 to 65 years | 21 to 70 years | 21 to 70 years |
| Minimum Net Income | ₹25,000 / month | ₹3,50,000 / year (ITR) | ₹3,00,000 / year |
| Credit Benchmark | CIBIL 725+ for prime rate | CIBIL 725+ | CIBIL 725+ |
| LTV Ratio | Up to 90% (≤₹30L), 80% (₹30L–₹75L), 75% (>₹75L) | Up to 75%–80% | Up to 80% |
Dossier Readiness
Required Documentation Checklist
Organized documentation accelerates credit approval to under 24 hours.
PAN, Aadhaar Card, and Passport-size photograph
Latest 3 months salary slips and Form 16 (last 2 years)
6 months salary account bank statement
Allotment letter, Builder-Buyer Agreement (BBA) or Title Deed copy
Financial Modeling
Interactive Home Loan EMI Calculator
Facility Amount₹60,00,000
Interest Rate (p.a.)8.50%
Tenure20 Years
Monthly Outflow (EMI)
₹52,069/ month
Total Interest₹64.97L
Total Repayment₹1.25 Cr
Advisory Desk
Frequently Asked Questions
Per RBI guidelines, banks finance up to 90% for property values up to ₹30 Lakhs, 80% for properties between ₹30L to ₹75L, and 75% for properties exceeding ₹75 Lakhs.
Ready to structure your Home Loan?
One intake form. An advisor reviews your file across 25+ institutional desks within 4 working hours.