Loans & Finance

Home Loan Assistance

Best-rate home loans from 20+ partner banks and NBFCs.

4.9 / 5 rating 50,000+ served Fast turnaround Secure & compliant

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Starting from

₹999

+ applicable taxes

Expert-guided process

100% online, no travel needed

24/7 dedicated support

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Process

How It Works

Profile Assessment

Income, credit score, existing obligations, and eligible loan amount evaluated.

Lender Comparison

Offers compared across 20+ lenders on rate, processing fee, and prepayment terms.

Application Filing

Application submitted with a complete document set to minimise back-and-forth queries.

Disbursal

Loan sanctioned after legal and technical valuation, then disbursed as per the agreement.

Overview

About This Service

A home loan is usually the largest financial commitment a household makes, and a difference of half a percent in the interest rate can mean lakhs over the tenure. We compare offers across more than twenty banks and housing finance companies for your specific profile, help you understand the real cost including processing fees and prepayment terms, prepare the documentation, and coordinate the legal and technical valuation of the property. We also check your eligibility for interest subsidy under the Pradhan Mantri Awas Yojana and handle the claim where you qualify.

Checklist

Documents Required

PAN Card and Aadhaar Card of all applicants

Salary slips for the last three months or business income proof

Form 16 and income tax returns for the last two to three years

Bank statements for the last twelve months

Property documents including sale agreement and chain of title

Approved building plan and occupancy certificate where applicable

Employment proof or business continuity proof

Passport-size photographs of all applicants

FAQ

Frequently Asked Questions

What is the PMAY subsidy?

The Pradhan Mantri Awas Yojana credit-linked subsidy provides interest subsidy on home loans for eligible income groups, worth up to around ₹2.67 lakh for the lowest income categories. Eligibility depends on household income, property size, and not already owning a pucca house.

How much home loan can I get?

Lenders typically fund up to 80% of property value for loans above ₹30 lakh and up to 90% for smaller loans. The amount is also capped by your repayment capacity, usually keeping total EMIs within 50% to 60% of net monthly income.

Should I choose a fixed or floating interest rate?

Floating rates are lower at the outset and move with the repo rate, and most borrowers choose them. Fixed rates cost more but give certainty. Floating loans also carry no prepayment penalty for individual borrowers.

What tax benefits does a home loan give?

Under the old tax regime, up to ₹1.5 lakh of principal under Section 80C and up to ₹2 lakh of interest under Section 24(b) for a self-occupied property. These deductions are largely unavailable under the new regime.

Can I prepay my home loan early?

Yes. For floating-rate loans to individual borrowers, banks cannot charge a prepayment penalty. Fixed-rate loans may carry a charge, so check the terms before signing.

Why UdyogMitra?

4.9/5 from 12,000+ reviews

50,000+ businesses served

Fast, guaranteed turnaround

Secure document handling

Transparent pricing always

Have questions?

Speak to a specialist in under 2 minutes — free of charge.

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Delivery Details

Modeappointment

Starting price₹999

CategoryLoans & Finance

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