Own Your Dream Home
At Lowest Rates
Home loans from 8.5% p.a. for tenures up to 30 years. Save on taxes under Section 80C & 24(b). Compare 30+ lender offers in one place.
Home Loan at a Glance
Why Choose BharatFincred for Home Loan?
High LTV Ratio
Borrow up to 90% of the property value — minimise your down payment.
30-Year Tenure
Spread your EMI over 30 years for the lowest possible monthly outgo.
Tax Benefits
Save up to ₹3.5 Lakhs annually on income tax under 80C and 24(b).
Balance Transfer
Move your existing home loan to a lower rate — save lakhs over the remaining tenure.
Co-Applicant Boost
Add a co-applicant (spouse/parent) to increase your eligible loan amount.
30+ Lenders
One application — compare offers from SBI, HDFC, ICICI, Axis and 25+ more lenders.
Save on Income Tax with Your Home Loan
One of the biggest perks of taking a home loan in India
* Tax benefits are as per prevailing Income Tax Act and subject to change. Consult a tax advisor.
Eligibility & Documents
Eligibility Criteria
Required Documents
KYC Documents
Income Documents
Property Documents
Home Loan EMI Calculator
Includes an amortisation summary for full tenure visibility.
Loan Parameters
Amortisation Snapshot
| Year | Principal Paid | Interest Paid | Balance |
|---|---|---|---|
Your EMI Summary
Home Loan Interest Rates 2026
Compare rates before you apply — small differences mean big savings over 30 years.
| Bank / NBFC | Rate (p.a.) | Processing Fee |
|---|---|---|
| SBI Home Loan | 8.50% – 10.05% | Nil – 0.35% |
| HDFC Bank | 8.60% – 9.85% | 0.5% + GST |
| ICICI Bank | 8.75% – 9.90% | 0.5% + GST |
| Axis Bank | 8.75% – 10.30% | 0.5% – 1% |
| LIC Housing Finance | 8.55% – 10.00% | 0.25% |
| Bajaj Housing Fin. | 8.70% – 12.00% | 1% + GST |
Home Loan Questions
Most banks offer up to 80–90% of the property's registered value (LTV ratio). The maximum loan amount also depends on your repayment capacity — typically, total EMI obligations cannot exceed 50–55% of your net monthly income. Use our eligibility calculator to get an estimate.
Yes. Home loans for under-construction properties are disbursed in tranches as construction progresses. EMI payments begin after full disbursal. Tax benefits on interest (Section 24b) can be claimed after possession, spread over 5 years, and on principal (80C) is available only after possession.
A floating rate home loan is linked to the RBI repo rate and changes as market rates change. A fixed rate loan has a rate locked in for a specific period (usually 2–5 years) before becoming floating. Floating rates are typically lower; fixed rates give payment certainty. Most experts recommend floating for long-tenure loans.
Yes. Adding an earning co-applicant (spouse, parent, or child) increases your combined income, which can significantly increase your eligible loan amount. Co-applicants also share the tax benefits. The co-applicant must also meet the lender's credit and income criteria.
A missed EMI is reported to CIBIL within 30 days, reducing your score significantly. The lender charges a penal interest (typically 2% per month on the overdue amount). After 3 consecutive missed EMIs, the account may be classified as NPA and the lender can initiate recovery. Contact your lender proactively if you foresee difficulty.
This depends on your loan interest rate vs expected investment return. If your home loan rate is 9% and your investment (like equity mutual funds) can yield 12%+, investing may be better. However, prepayment provides a guaranteed risk-free return equal to your interest rate. Most experts recommend partial prepayment when you receive bonuses or lump sums.
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