Open The Door To Your Dream Home

Buying, building, or renovating a home? We help you secure Home Loan offers with competitive rates & fast approvals.

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Instant

Approvals

Guaranteed

Instant Rate

Interest Rate

8.10% p.a*

no hidden charges

No

Hidden

Charges

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Home Loan Application

Fill out the details, and we’ll find the best loan options for you.

New home loan application

Home Loan - The Key To Your Dream Home!

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Home Loan Features & Benefits

Secure structured and flexible funding to support every stage of your home journey.

High Loan Amount Icon

High Loan Amount

Get up to ₹10 Cr from banks for buying, building, or renovating your home.

Low interest rate

Low Interest Rates

Interest rates start from 8.10% p.a. to make home ownership more affordable.

Customised Terms-final

Minimal Paperwork

Get faster approvals with limited documentation and a simplified process.

Repayment terms

Flexible Repayments

Choose tenures up to 30 years with EMI plans suited to your income.

Balance transfer

Balance Transfer Option

Shift your home loan to a better lender and enjoy reduced interest or EMI.

Transparent interest

Zero Hidden Fees

Transparent processing from start to finish with no surprise deductions.

Housing Loan Services We Offer

Explore our range of housing loan options. We help you access the right loan for any residential need.

Construction Loan

Interest Rates

Starts from 10.85% p.a.*

Plot Loan

Interest Rates

Starts from 7.35% p.a.*

Plot Purchase & Construction Loan

Interest Rates

Starts from 7.35% p.a.*

Home Extension Loan

Interest Rates

Starts from 7.75% p.a.*

Home Loan Balance Transfer

Interest Rates

Starts from 7.70% p.a.*

Home Loan Balance Transfer & Top Up

Interest Rates

Starts from 8.50% p.a.*

Construction Linked Payment Plan Loan

Interest Rates

Starts from 8.50% p.a.*

Essential Documents

Document Type Indian Resident Non-Resident Indian (NRI)
Identity proof

Identity
Proof

Aadhaar Card, PAN Card, Passport, Driving License, Voter’s ID Card

Passport with Visa Stamps, OCI/PIO Card

Address proof

Address
Proof

Aadhaar Card, Utility Bill, Voter ID

Utility Bill (Foreign/Indian), Bank Statement

Income proof

Income
Proof

Salary Slips, ITR, Bank Statement

NRE/NRO Bank Statement, Overseas Salary Slips

Property Documents

Property
Documents

Sale Agreement, Ownership Papers

Sale Agreement, NOC from Builder/Authority

Business proof

Business Proof
(if applicable)

GST Certificate, Business Registration

Foreign Income Proof, Business Registration

Loan statement

Loan Statement
(if applicable)

Previous EMI records, Loan Sanction Letter

Previous EMI Records, Credit History Report

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20+

Loan Offers Available

home loan 24 hour

24-Hr

Loan Pre-Approval

zero percent icon

0%

Service Charges

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30+

Lenders Compared

Easy Home Loan Application

01

Check Your Eligibility

Fill in basic details, and we’ll show you the best loan offers from multiple lenders.

02

Compare Loan Options

Choose from different banks and NBFCs, compare interest rates, and select the ideal loan.

03

Upload Required Documents

Securely submit your KYC, income proof, and property documents online.

04

Get Loan Approval

Lenders evaluate your profile and provide a sanction letter with loan terms.

05

Sign The Agreement

Review the final loan terms, sign the agreement, and proceed with the final process.

06

Loan Disbursement

Once approved, the loan amount is credited to your account or directly to the property seller.

Home Loan EMI Calculator

Get A Quick Estimate Of Your Home Loan Monthly Instalments!

Loan Amount

₹5,00,000

₹5,00,00,000

Rate of Interest
%

7% p.a.

15% p.a.

Loan Duration

1 Year

30 Years

12 Months

360 Months

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

Monthly EMI

*

Total Amount Payable

*

Total Interest Payable

*

Test Your Home Loan Knowledge

1. Which factor affects your home loan eligibility the most?
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What Our Clients Say

Discover how BankEMI has helped customers secure the right home loan with ease and confidence.

BankEMI made my home loan process smooth and hassle-free. I compared multiple offers, got the lowest interest rate, and received approval within days. Their team was helpful and professional throughout the process.

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Amit Kapadia

UI/UX Designer

Securing a home loan felt overwhelming, but BankEMI made it effortless. They guided me at every step, ensured quick approval, and offered flexible repayment options. The entire process was smooth, transparent, and stress-free.

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Neha Verma

Junior Engineer

BankEMI provided an excellent home loan service. The process was quick, with minimal paperwork and no hidden charges. I secured the best deal with a great interest rate, and their customer support was always available to help.

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Rajesh Dubey

Architect

I wasn’t sure which lender to go with, but BankEMI simplified everything. I got clarity, support, and the best rate available. Truly a reliable platform for home loans.

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Pooja Sinha

Baker

As a first-time homebuyer, I had so many doubts. BankEMI answered them all and helped me get the best home loan without hassle. Great team, great service!

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Ritika Malhotra

Fashion Designer

Understanding Home Loans

Get expert insights and personalised home loan consultation to make the best financial move.

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Explore Home Loans With BankEMI

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Educate Yourself & Your Wallet

Stay informed with expert tips, industry trends, and guides for smarter financial decisions.

Personal Loan
What Happens If a Personal Loan EMI Bounces?

May 17, 2025 • Reading Time: 5 Minute

Home Loan
Step-by-Step Guide to Applying for a Home Loan in Chandigarh

April 1, 2025 • Reading Time: 5 Minute

Business Loan
Learn The Tax Benefits Associated With Your Business Loans

March 24, 2025 • Reading Time: 5 Minute

Frequently Asked Questions

Answering your most common queries on home loan eligibility, interest rates, repayment terms, and documentation.

Any salaried or self-employed individual with a stable income can apply. Eligibility varies by lender.

Home Loan tenures can go up to 30 years, depending on your repayment capacity and lender policy.

Yes, with a Home Loan balance transfer, you can switch to a lender offering a better interest rate.

Yes, tax deductions are available under Section 80C and 24(b) for principal and interest repayments.

Yes, most lenders allow prepayment or foreclosure, but some may charge a fee. Check with your lender.

Get matched with the best home loan offers by our experts.

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