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Home Loan

The home is yours. So should be the lowest rate.

Compare home loan and balance-transfer offers from leading housing finance companies and banks — to buy, build, or move an existing loan to a cheaper lender.

Compare my offers Check eligibility
No impact on credit score Tax benefits up to ₹3.5 Lakh
8.35% p.a.
Interest rate, starting from
₹5 Cr+
Maximum loan amount
Up to 30 yrs
Long, flexible tenure
Up to 90%
Of property value (LTV)

EMI calculator

Plan your home loan EMI

A small change in rate makes a big difference over 20 years. Model it here, then compare lenders.

₹50,00,000
8.6%
20 years

Illustrative only. Your actual rate depends on the lender, property and your profile.

Your monthly EMI
₹43,700
Principal₹50,00,000Total interest₹54,88,000

Lender rates

Home loan rates, compared

Indicative starting rates across leading housing finance companies. Your matched offers are personalised after a free soft check.

LenderInterest rate (p.a.)Processing feeMax LTV
Bajaj Housing Finance8.50% onwardsUp to 0.50%90%
LIC Housing Finance8.60% onwardsUp to 0.50%90%
PNB Housing Finance8.75% onwards0.25%–1%85%
Tata Capital Housing8.90% onwardsUp to 0.50%85%
Aditya Birla Housing9.00% onwardsUp to 1%80%

Rates, fees and LTV shown are indicative, for illustration only, and decided by each lender at its discretion. Not an offer or a guarantee of approval.

Eligibility & documents

What you'll need to apply

Home loans are secured against the property, so lenders assess both you and the home.

Who can apply

  • Salaried or self-employed, aged 23 to 65
  • Stable income that comfortably covers the EMI
  • Credit score of 750+ for the best rates
  • A clear, identified property with valid title
  • Co-applicants (e.g. spouse) can boost eligibility

Documents needed

  • Identity & address — PAN and Aadhaar
  • Income proof — salary slips & Form 16, or ITR for self-employed
  • Bank statements — last 6 months
  • Property documents — sale agreement, title deed, approvals
  • For transfers — existing loan statement & sanction letter

How to apply

From comparison to keys in three steps

1

Share your details

Loan amount, property and a few quick facts. Fully online, about two minutes.

2

Compare real offers

Rates, EMIs and total cost side by side, with a soft check that won't touch your score.

3

Apply with confidence

Pick your lender, submit documents, and complete valuation and sanction with their team.

Good to know

Home loan questions

Fixed or floating — which should I pick?
Most home loans in India are floating-rate, which moves with the lender's benchmark. Fixed rates give certainty but are usually higher. Vyaaj shows both so you can weigh predictability against cost.
How much can I borrow against my property?
Lenders typically fund up to 75%–90% of the property's value (the loan-to-value ratio), depending on the loan amount and lender policy. The rest is your down payment.
What tax benefits do I get?
Under the old tax regime, you can claim up to ₹1.5 Lakh on principal (Section 80C) and up to ₹2 Lakh on interest (Section 24b) for a self-occupied home. Please confirm current limits with a tax advisor for your situation.
Can I transfer my existing home loan to a lower rate?
Yes. A balance transfer moves your outstanding loan to a lender offering a lower rate, cutting your EMI or tenure. Vyaaj compares transfer offers and shows the savings net of any switching costs.
Are there prepayment charges?
For floating-rate home loans to individuals, RBI guidelines do not permit foreclosure or prepayment penalties. Fixed-rate loans may carry a charge, which Vyaaj will show on the offer.

Compare home loan rates in two minutes

Free, with no impact on your credit score. Even a 0.5% lower rate can save you lakhs over the life of the loan.

Compare my offers How it works