Home Loan

Get credit score based interest rate

Get the funds you need quickly, bridge the gap for urgent renovations, invest in your future and more.

Instant

Approvals

Guaranteed

Interest rate

8.35%*

onwards

Loan Upto

200%*

of Value

Building Dreams, Managing Finance.

5000+

Crore Portfolio

3500+

Happy Customers

15+

Years of experience

30+

Banks Affiliated

First-Time Homebuyer?

Trust BankEMI to make your first home-buying journey seamless and secure.

  • Lowest Interest Rates
  • Upto 100% funding
  • Free Lifetime Support
  • Simple & fast approvals

Available Funding

₹50,000,000

Available Funding

₹50,000,000

Available Funding

₹50,000,000
First Time Buyer

Fill form to buy your dream home

Fill form to buy your dream home

Fill form to buy your dream home

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Every Dream Home Made Affordable

Home loans with competitive interest rates, fast approval, and flexible options for buying, renovating, or refinancing your dream home.

Features & Benefits

Take the first step towards making your dream home with home loans at competitive rates, flexible terms, and personalised service, making your dream come true.

Tax Benefits

Unlock savings up to Rs. 2,00,000* with home loans, offering tax benefits under Section 80C and Section 24. Reduce your taxable income and maximise your financial benefits while owning your dream home.

Balance Transfer Possible

Take advantage of our balance transfer option to switch your existing home loan to our competitive rates. Enjoy lower EMIs and better terms, making your home loan more affordable and manageable.

Repayment Tenure Of 40 Years

Enjoy flexible repayment tenure of up to 40 years or more, with lower monthly EMIs, allowing you to comfortably manage your finances while achieving your dream of homeownership without financial strain.

Low Interest Rates

Benefit from exceptionally low interest rates, making your home loan more affordable. Enjoy reduced EMIs and significant savings over the loan term, helping you invest more in your future.

Loan Upto 5-10 Crores

Secure high-value home loans ranging from 5 to 10 crores and more, tailored to meet your premium housing needs. Finance your dream home effortlessly and turn your vision of luxury living into reality.

Faster Loan Approval

Experience the convenience of faster loan approvals with our streamlined process. Get your home loan sanctioned quickly, allowing you to proceed with your property purchase without delays.

Check your Loan Eligibility

Easily check your loan eligibility with us in just a few clicks! We help you understand your borrowing capacity and plan your finances effortlessly.

Loan Eligibility

Essential Documents You’ll Need

Indian Resident Non-Resident Indian (NRI)

Id Proof Documents

(Copy of any one)

  • PAN Card, Passport
  • Aadhaar Card
  • Voter’s ID Card
  • Driving License
  • Passport with VISA stamps / PIO Card
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Age Proof Documents

(Copy of any one)

  • Aadhaar Card
  • PAN Card
  • Passport
  • Birth Certificate
  • 10th Class Mark-sheet
  • Bank Passbook
  • Driving License
  • Government document mentioning the current overseas address

Address Proof Documents

(Copy of any one)

  • Bank Passbook
  • Voter’s ID
  • Ration Card. Passport
  • Utility Bills (Telephone Bill, Electricity Bill, Water Bill, Gas Bill)
  • LIC Policy Receipt

Income Documents for Salaried People

  • Salary Certificate
  • Latest Payslips (in English)
  • Latest bank statements showing salary credits NRE / NRO account (if any)
  • Duly attested documents by employer/ Consulate / foreign office/ embassy (in case they are in any other language)
  • Work Permit
  • Employment Contract
  • Appointment Letter
  • Offer Letter 

Income Documents for Self-Employed

  • Latest ITR
  • Bank Statements of Overseas Account 
  • Balance Sheets and P&L Accounts audited or certified by a C.A.
  • A copy of the Continuous Discharge Certificate (CDC) for applicants employed in the merchant navy
  • Business License 
  • Address Proof 
  • License of Professional Practice (for Doctors, Consultants, etc.)
  • Registration Certificate of Establishment (For Shops, Factories & Other Establishments)

 

Income Proof Documents

Income Documents for Salaried

  • Copy of Form 16
  • Latest Payslips
  • IT returns (ITR) of the past 3 years
  • Investment Proofs (if any)

 

Income Documents for Self-Employed

  • Business License Details
  • Proof of Business Address
  • ITR of last 3 years
  • Balance Sheet and Profit & Loss Account Statement of the Company/Firm
  • Original title deeds tracing the title of the property.
  • Encumbrance Certificate.
  • Agreement for sale/ sale deed/ detailed cost estimate from the Architect/ Engineer for property to be purchased/ constructed/ extended/ improved.
  • A copy of approved drawings of proposed construction/ purchase/ extension.
  • Receipts for payments made for buying the dwelling unit.
  • ULC clearance/ conversion order, etc.
  • Receipts for investing the margin money through normal banking channels from the NRE /NRO account(s) in India.
  • Latest tax paid receipt.
  • Allotment letter from the co-operative society/ association of apartment owners.
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Property-related Documents

  • NOC from Society/Builder
  • Detailed estimate of the construction cost of the house
  • Registered sale deed
  • Allotment letter
  • Approved copy of the building plan
  • If any previous loan from other Banks/Lenders, then Loan A/C statement for the last 1 year

Hassle-free application process

  • 01
    Initial Inquiry and Consultation
    Reach out to us through our website, phone, or in-person visit
  • 02
    Documentation Preparation
    Gather and submit the required documents.
  • 03
    Loan Eligibility Check
    Submit the collected documents to us.
  • 04
    Loan Application Submission
    Choose the best loan option and authorise us to apply on your behalf.
  • 05
    Loan Processing and Verification
    Be available for any additional information or document requests.
  • 06
    Loan Approval and Offer
    Review the loan offer.

Streamline with Seamless Calculator

We understand that managing your finances can be a daunting task. That's why e your accounting processes.

Loan amount

₹5,00,000

₹500,00,000

Rate of Interest
%

7%p.a.

15%p.a.

Loan Duration

1 Year

30 Year

12 Months

360 Months

*For representation purpose only. Final values may vary subject to bank’s policy.

Monthly EMI

*

Total Amount Payable

*

Total intrest Payable

*

Empowering Global Dreams Of Business Owners

Discover the success stories of our clients who have propelled their businesses forward with our help. See how our tailored loan solutions have been instrumental in driving business growth and success.

I was really impressed with the seamless process and exceptional customer service. BankEMI helped me secure a business loan that was perfectly suited to my company's needs. The rates were competitive, and the terms were clear!

testimonials
Ajay Thakur, GMV Global

GMV Global

This loan has been a game-changer for my small boutique. The application process was straightforward, and I received the funds quicker than expected. Thanks to BankEMI’s guidance, I could expand my inventory and take on more clients!

testimonials
Alisha Khan, Beauty Care Pvt. Ltd.

Beauty Care Pvt. Ltd.

As a first-time applicant for a business loan, I appreciated how informative and patient BankEMI’s team was. They explained all my options and walked me through the application step by step!

testimonials
Jagroop Khaira, Tyres Realm India

Tyres Realm India

Educate Yourself & Your Wallet

We break down financial products into digestible, informative bits. Make informed decisions and navigate your financial journey with confidence by understanding loans and the financial market.

What All Tax Benefits Can You Avail On Your Home Loan?
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Business loans are powerful tools that not only help you manage these challenges but also support your business growth, whether it’s expanding operations, upgrading equipment, or hiring new talent. But did you know that business loans offer more than just financial help? They have tax benefits that can reduce your taxable income and save you […]

28 Jan, 2025 • 4 min read

Understanding Home Loans

Still confused about applying for a home loan? Let us explain to you in simple words what it is, and the attractive infographics will make everything seem easy.

View RBI Guidelines

FAQ

Let us clarify your doubts regarding various loans, like home loans, business loans, car loans, and personal loans and give answers about interest rates, terms, and eligibility requirements.

Home loans offer tax benefits under Section 80C and Section 24 of the Income Tax Act. You can claim a deduction of up to ₹1.5 lakh on principal repayment under Section 80C and up to ₹2 lakh on interest repayment under Section 24 in a financial year.

A Balance Transfer allows you to transfer your existing home loan from one bank to another to take advantage of lower interest rates or better loan terms. This can help reduce your EMI burden and save on interest payments over time.

The eligibility criteria typically include factors like age (usually 21-65 years), income stability, employment status, credit score, existing financial obligations, and property value. Banks may have specific requirements, so it's best to check with the lender for precise details.

Interest rates for home loans in India vary depending on the lender and market conditions. Currently, they generally range between 7% and 12% per annum. We will help you compare rates from multiple banks and suggest the best deal.

A CIBIL score of 750 and above is generally considered good for home loan approval. However, some banks may approve loans for scores as low as 650, but this might result in higher interest rates or stricter terms.