Home Loan
Home loans across India
Compare home loan rates from leading Indian lenders
Home purchase, construction, balance transfer or top-up - we surface offers from leading public-sector banks, private banks and housing finance NBFCs in one comparison screen. Loan-to-value up to 90 percent, tenor up to 30 years, rates from 8.40 percent. Soft-pull eligibility check, no impact on your bureau score.
Every flavour of home loan
What we cover
Home purchase
Ready-to-move flat, plot purchase plus construction, resale property. Loan-to-value up to 90 percent on properties under INR 30 lakh, 80 percent up to INR 75 lakh, 75 percent above. Tenor up to 30 years for salaried, 25 years for self-employed.
Home construction
Construction-linked disbursement on a plot you already own. Architect's plan and approved layout required. The loan disburses in tranches against builder bills.
Balance transfer
Move an existing home loan from another lender to a lower-rate offer. Stamp duty saving on a balance transfer over a top-up depends on state - we compute the right pick based on your numbers.
Top-up
Borrow against the equity in an existing home loan, typically up to 80 percent of the original LTV minus the outstanding. Useful for renovations, education or business expansion at home-loan rates.
PMAY subsidy check
Pradhan Mantri Awas Yojana credit-linked subsidy - we check your income-band eligibility (EWS, LIG, MIG-I, MIG-II) and pre-fill the application across lenders that have a PMAY tie-up.
EMI and prepayment calculator
Run amortisation under different rates and tenors. Model 5 percent annual prepayment versus a 10 percent prepayment year-end - see how many years come off the loan in each scenario.
How it works
From eligibility check to keys
Soft eligibility in 3 minutes
Income, employment, existing EMIs, the property and its value. We run a soft-pull bureau check, run lender-side eligibility models and surface offers in real time.
Pick a lender, complete the file
Once you pick, the lender takes over - hard-pull, document verification, property valuation and legal-search, sanction letter.
Disbursement and EMI
Disbursement to the seller / builder against registered sale-deed / construction tranche. EMI begins from the next billing cycle. Most lenders disburse within 10-21 working days post sanction.
Who it is for
Who borrows home loans through us
Free for borrowers. Soft-pull check, no obligation.
The marketplace check costs nothing and does not affect your CIBIL score. The lender pays Infyner only on successful disbursement. Stamp duty and registration fees are state-level and paid separately, as they would be for any home purchase.
Trust and security
How home loans on the marketplace work
RBI-licensed lenders only
Public-sector banks, private banks, small finance banks and RBI-licensed housing finance companies. No unregulated DSAs and no informal money.
All-in cost shown upfront
Effective rate, processing fee, legal and valuation fees, MOD-stamp duty by state - all on one card so you know the total.
PMAY screen built in
If you are eligible for the PMAY credit-linked subsidy, we surface it on the offer card and pre-fill the lender-specific application form.
Disbursal SLA tracking
Once you pick, we track each lender's underwriting milestones - sanction, valuation, legal, disbursement - and email you on every step.
FAQ
Common questions about home loans
Most lenders on the panel work with scores from 700 upwards, with the best rates reserved for 760+. Below 700, options narrow to NBFCs at higher rates. The eligibility check tells you which lenders fit your profile and at what rate.
Standard amortisation formula: EMI = P * r * (1+r)^n / ((1+r)^n - 1), where P is principal, r is the monthly rate (annual rate divided by 12), and n is the tenor in months. The first few years are mostly interest; principal repayment accelerates later. The EMI calculator shows the year-by-year breakdown.
Yes. Section 24(b) allows interest deduction up to INR 2 lakh per year for self-occupied property. Section 80C allows principal repayment within the overall INR 1.5 lakh limit. First-time buyers within affordable-housing thresholds get an additional Section 80EEA deduction up to INR 1.5 lakh on interest.
Salaried: PAN, Aadhaar, three months' salary slips, six months' bank statement, latest Form 16 / ITR, employment proof. Self-employed: PAN, Aadhaar, two years' ITR with computation, two years' bank statements, GST returns if registered, business proof. Property side: sale deed / agreement to sell, NOC from builder for ready-to-move, approved plan for under-construction.
Yes. RBI mandates zero foreclosure / prepayment charge on floating-rate home loans for individual borrowers. On fixed-rate loans, lenders may charge 2-5 percent of the prepaid principal. The offer card shows the exact terms.
Most home loan sanctions are valid for 6 months from the sanction date. If the disbursement is delayed - because the property is under construction - you can usually get an extension by writing to the lender.
Yes. Once you pick a lender, their panel lawyer runs a title search going back 30 years. The lender's valuation team runs the property valuation. Both reports are shared with you. If issues turn up (encumbrance, missing chain of title, conflicting NOCs), you can decide whether to proceed.
Yes - and often beneficial. Co-applicant income increases eligibility. If both are paying EMIs, both can claim Section 24(b) interest deduction up to INR 2 lakh each. Some states give registration-fee concessions to women co-owners.
Floating rates have been the norm in India for two decades. Most current home loans are linked to the Repo Rate (Repo + spread) or to MCLR. Fixed rates are available for shorter tenors (1-5 years), typically priced 50-100 bps above floating - useful if you expect rates to rise sharply.
The lender pays Infyner a small commission upon disbursal - typically 0.25-0.50 percent of the loan amount. The borrower pays no marketplace fee. The rate the borrower sees is the rate the borrower pays.
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