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About ROI

Online Housing Loan: Details


  • Home Loan is a secured loan taken to purchase a residential property or for home renovation, repairs or improvement.
  • Banks and NBFCs provide home loans upto 90% of the property value for a tenure upto 30 years.
Home Loan Rate Starts At6.50%
Processing FeeUp to 1% of loan amount
Loan Tenure30 years
Lowest EMI Per Lakh₹ 2,926
Prepayment ChargesNil foreclosure charges on floating rate home loans

Document Requirements for The Loan Application

Application Form

Signed Application form with photo.
Identity Proof - PAN card, Passport, Driving License, Aadhaar Card, Voter id, Govt issued i-card.

Address Proof

Any residence proof like Passport, Driving License, Election ID card, Electricity/ Telephone/ Mobile bill/ Bank statement (not more than 3 months old) etc.

Income Proof

Salary slip, bank statement of 6 months, Form 16 "Documents Related to Property"

BANK/NBFCROIEMI per lac for 30 yrs


Kotak Bank6.50%632
Bank of Baroda6.50%632
HDFC Bank6.55%635
Axis Bank6.70%645
ICICI Bank6.70%645
Federal Bank6.70%645
Punjab & Sind Bank6.70%645
IDFC First Bank6.80%652
Indian Overseas Bank6.80%652
Karur Vysya Bank6.90%659
Yes Bank7%665
Jammu & Kashmir Bank7%665
DCB Bank8%734
Ujjivan Small Finance Bank9%805
Au Small Finance Bank9%805
Utkarsh Small Finance Bank9.50%841
Jana Bank10%878
LIC Housing Finance6.66%642
GIC Housing Finance7.65%709
PNB Housing Finance6.90%658
TATA Capital Home Finance6.90%658
Indiabulls Home Loans8%733
Bajaj Home Finance6.80%651
Shriram Housing Finance10%877
IIFL Home Loans7.50%699
Hero Housing Finance9%804
Capri Home Loans9.50%840
Capital India Home Loans11.50%990
Piramal Capital and Housing Finance10.50%914
India Shelter Housing Finance12.50%1068
Vaastu Housing Finance11.50%990
Aadhar Housing Finance12%1028
LT Housing Finance6.80%651


Housing Loan

A home loan is a credit facility provided by banks, housing finance companies and NBFCs to buy or construct a home by keeping the house as collateral. Most of the banks finance loans up to the maximum limit of 90% of the property’s value, against the mortgage of underlying house as security.