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๐Ÿฆ Home Loan ยท LAP ยท NRI Loans

Smart Home Loan
& LAP Solutions

We partner with India's leading banks and NBFCs to get you the best home loan or loan against property โ€” with minimal documentation and fast approval.

Choose Your Loan

Home Loan & Loan Against Property

Two powerful financing options to help you buy your dream home or unlock value from your existing property.

๐Ÿ 

Home Loan

Finance the purchase of a new home, resale property, under-construction apartment, villa or plot โ€” with up to 80% of the property value funded.

Finance up to 80% of property value
Loan amounts from โ‚น10 Lakhs to โ‚น10 Crores
Tenure up to 30 years for lower EMIs
Available for salaried and self-employed
NRI home loans available through our partners
Balance transfer from existing lender
Top-up loan on existing home loan
80%
Max Funding
30 Yrs
Max Tenure
48 Hrs
Pre-Approval
Check Home Loan Eligibility โ†’
๐Ÿข

Loan Against Property

Unlock the value of your existing residential or commercial property. Use the funds for business expansion, education, medical needs or any personal requirement.

Borrow up to 65% of property market value
Residential, commercial or industrial property
Loan amounts from โ‚น20 Lakhs to โ‚น25 Crores
Tenure up to 15 years
Continue to use the mortgaged property
Overdraft facility available with select banks
Part-prepayment with no penalty (floating rate)
65%
Max Funding
15 Yrs
Max Tenure
โ‚น25 Cr
Max Loan
Check LAP Eligibility โ†’
Plan Your Finances

EMI Calculator

Calculate your monthly EMI instantly. Adjust loan amount, interest rate and tenure to find your ideal plan.

Calculate Your EMI

Move the sliders to get an instant estimate.

Loan Amount โ‚น50 L lakhs
โ‚น10Lโ‚น1 Crโ‚น5 Crโ‚น10 Cr
Interest Rate 8.5 % per annum
6%9%12%16%
Loan Tenure 20 years
1 yr10 yrs20 yrs30 yrs
Monthly EMI
โ‚น43,391
Total Payable
โ‚น1.04 Cr
Monthly EMI
โ‚น43,391
for โ‚น50L at 8.5% for 20 years
โ‚น50 L
Principal
โ‚น54.1 L
Total Interest
โ‚น1.04 Cr
Total Payable
Principal Interest
๐Ÿ’ก Quick Tips
โ†’ A 20% down payment helps secure better loan terms.
โ†’ Higher CIBIL score (750+) gets you lower rates.
โ†’ Pre-paying even 1 extra EMI per year saves significantly.
Apply for Loan โ†’
Our Partners

Partner Banks & NBFCs

We work with India's most trusted lenders to ensure you get the best rates, fastest processing and maximum loan amounts.

Banks

โ€ขState Bank of India (SBI)Popular
โ€ขHDFC BankPopular
โ€ขICICI BankNRI โœ“
โ€ขAxis BankNRI โœ“
โ€ขKotak Mahindra Bank
โ€ขBank of BarodaNRI โœ“
โ€ขCanara Bank
โ€ขFederal Bank
โ€ขIDFC First Bank
โ€ขYes Bank

Housing Finance & NBFCs

โ€ขHDFC Ltd (Housing Finance)Popular
โ€ขLIC Housing FinanceNRI โœ“
โ€ขPNB Housing Finance
โ€ขBajaj Housing FinancePopular
โ€ขTata Capital Housing Finance
โ€ขSundaram Home Finance
โ€ขAditya Birla Housing Finance
โ€ขIndia Bulls Housing Finance
โ€ขGIC Housing Finance
โ€ขRepco Home Finance
Be Prepared

Documents Required

Keep these documents ready for a smooth and fast loan application. Requirements may vary slightly by lender.

๐Ÿชช

Identity & Address Proof

Valid for all applicants โ€” primary & co-applicants

Aadhaar Card (mandatory)
PAN Card (mandatory)
Passport (for NRIs)
Voter ID / Driving Licence
Utility Bill (electricity / gas โ€” last 3 months)
Rental agreement (if renting)
๐Ÿ“Œ Aadhaar and PAN are mandatory for all applicants without exception.
๐Ÿ’ฐ

Income Documents

Salaried employees

Last 3 months salary slips
Last 2 years Form 16 / ITR
Last 6 months bank statements (salary account)
Employment appointment / offer letter
Latest employment certificate

Self-employed / Business owners

Last 3 years ITR with computation
Last 3 years audited P&L and balance sheet
Last 12 months bank statements (all accounts)
Business registration / GST certificate
๐Ÿ 

Property Documents

Required for technical and legal assessment

Sale agreement / allotment letter
Title deed / mother deed
Encumbrance certificate (EC)
Approved building plan
RERA registration certificate
Khata certificate & extract
Latest property tax receipts
NOC from builder / society
๐Ÿ“Œ For under-construction properties, builder approval documents and construction agreement are also required.
๐ŸŒ

NRI Additional Documents

Required over and above standard documents

Passport with valid visa
OCI / PIO card (if applicable)
Overseas employment contract / appointment letter
Last 6 months NRE / NRO bank statements
Last 3 months overseas salary slips
Power of Attorney (notarised / apostilled)
Overseas address proof
๐Ÿ“Œ Documents issued abroad must be notarised and apostilled at the Indian consulate / embassy.
๐Ÿข

LAP Additional Documents

Extra documents required for Loan Against Property

Original property title documents (all chain)
Encumbrance certificate (minimum 15 years)
Latest property valuation report
No dues certificate from society / RWA
If commercial โ€” rental agreement + tenant details
Statement of purpose (end use of funds)
๐Ÿ“Œ Original title documents must be submitted to the bank and will be returned upon full loan repayment.
๐Ÿ“‹

General Checklist

Common items needed for all loan applications

Completed loan application form (bank-specific)
2 recent passport-size photographs
Cheque for processing fee (varies by bank)
Signed declaration & consent forms
CIBIL / credit score report (optional โ€” bank will pull)
Co-applicant documents (spouse / parent / sibling)
๐Ÿ“Œ We assist with document collection and verification โ€” just WhatsApp us and our team will guide you through the process.
Simple & Fast

Our Loan Process

From application to disbursement โ€” we make the process smooth and stress-free.

1๐Ÿ“ž
Free Consultation
We assess your requirement, income and property details
2๐Ÿฆ
Bank Selection
We shortlist the best lenders for your profile and needs
3๐Ÿ“‹
Documentation
We help you prepare and submit all required documents
4โœ…
Sanction Letter
Loan sanction letter issued within 48โ€“72 hours
5โš–๏ธ
Legal & Technical
Bank conducts property legal check and valuation
6๐Ÿ’ฐ
Disbursement
Loan amount disbursed directly to builder or seller
Get Started

Check Your Loan Eligibility

Fill in your details and our loan specialist will contact you within 4 hours with a personalised loan offer.

Apply for Loan

Free consultation ยท No obligation ยท Fast processing

โœ…

Application Received!

Our loan specialist will call you within 4 hours with a personalised loan offer from our partner banks.

๐Ÿ’ฌ WhatsApp Us Now

๐Ÿ  Home Loan โ€” Who is Eligible?

  • Indian residents aged 21โ€“65 years
  • Salaried: Minimum โ‚น25,000/month net income
  • Self-employed: Minimum 3 years of ITR filing
  • CIBIL score of 700 or above preferred
  • NRIs with valid visa and overseas income proof

๐Ÿข LAP โ€” Who is Eligible?

  • Property owners aged 21โ€“70 years
  • Residential, commercial or industrial property
  • Property must be free from litigation
  • Minimum property value: โ‚น30 Lakhs
  • Joint ownership acceptable with co-applicant

๐Ÿ’ก Factors That Improve Eligibility

  • Higher CIBIL score (750+ gets best rates)
  • Low existing debt-to-income ratio
  • Adding a co-applicant increases loan amount
  • Longer employment / business history
  • Choosing a longer tenure reduces EMI burden
Need Immediate Help?
Our loan specialist is available Mondayโ€“Saturday, 9AMโ€“7PM IST
๐Ÿ’ฌ WhatsApp Our Loan Specialist