Whether it is a first flat in Kurnool, a plot and construction in Adoni, or a balance transfer from a costly lender, we compare offers from public sector banks, private banks and housing finance companies and hand you the best one. One set of documents, one point of contact, no running between branches.
Features
- Purchase, construction, plot plus construction, extension and renovation
- Balance transfer with top-up at lower rates
- Joint loans with spouse or parents to increase eligibility
- PMAY and government subsidy assistance where applicable
- Pre-approved sanction so you can negotiate with the builder
- Doorstep document pickup across Kurnool district
Eligibility
- Salaried: minimum 2 years of work experience, age 21 to 60 at loan maturity
- Self-employed: minimum 3 years in business, age 21 to 65 at maturity
- Minimum monthly income of ₹15,000 (salaried) or ₹2 lakh annual profit (self-employed)
- CIBIL score of 700 or above for the best rates; lower scores considered with NBFC partners
Documents required
- KYC: PAN, Aadhaar, passport size photographs
- Income: 3 months salary slips and Form 16, or 2 years ITR with financials
- Bank statements for the last 6 months
- Property papers: sale agreement, title deed, approved plan, EC, tax receipts
Frequently asked
How much home loan can I get?
Lenders usually allow EMIs up to 50 to 60 percent of your net monthly income after existing EMIs. Use our eligibility checker for an indicative figure, then we confirm it with the lender.
Fixed or floating rate?
Most home loans today are floating and linked to the repo rate. Fixed rates cost more. We explain the trade off for your case before you sign.
Can I transfer my existing home loan?
Yes. If your current rate is 0.5 percent or more above today's rates, a balance transfer with a top up usually saves a meaningful amount. We do the paperwork.
Home Loan EMI calculator
Rates and limits preset for a typical home loan. Move the sliders to match your case.
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