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Home Loan

Buy Your Dream Home
at the Best Rate

Compare home loan offers from 20+ banks and NBFCs. Get the lowest interest rate, expert guidance, and end-to-end support from application to possession — up to ₹5 Crore.

EMI Calculator DSA Partner
From 8.5% p.a.
20+ Banks & NBFCs
72-hr Approval
Tax Benefits up to ₹5L
Starting Rate 8.5% Max Loan ₹5 Cr TAX SAVINGS UP TO ₹5 LAKH/YEAR Sec 80C + 24(b) + 80EEA Benefits ✓ APPROVED 72 Hours
KEY FEATURES

Why ArthOne for Your Home Loan?

End-to-end home loan guidance — from comparing rates to getting possession keys in your hand.

Lowest Interest Rates

We compare 20+ lenders including SBI, HDFC, ICICI, Axis and more to get you the absolute lowest rate available for your profile.

Up to ₹5 Crore Loan

Finance premium homes, luxury apartments, villas, plots and commercial properties — no limit on your dream.

Maximum Tax Savings

Save up to ₹5L/year in income tax via Section 80C (₹1.5L), 24(b) (₹2L), and 80EEA (₹1.5L) combined benefits.

All Property Types

Ready-to-move, under construction, plot + construction, resale property, home renovation, and balance transfer.

72-Hour Approval

Pre-approval in 24 hours. Complete sanction letter within 72 hours for eligible profiles with proper documents.

End-to-End Support

Dedicated relationship manager handles documentation, legal, valuation, and registration — you focus on picking your home.

LOAN TYPES

Home Loan Solutions for Every Need

Whether you're buying, building, renovating, or transferring — we have the right loan product for you.

Home Purchase Loan

Buy your dream home — ready-to-move or under construction. Finance up to 80–90% of property value.

From 8.5% | Up to 30 yrs

Home Construction Loan

Build on your plot with structured disbursements at each construction stage. Track-linked funding.

From 8.75% | Up to 25 yrs

Home Renovation Loan

Upgrade, extend or remodel your existing home. No mortgage required in many cases.

From 9.0% | Up to 15 yrs

Balance Transfer

Transfer your existing high-rate home loan to save lakhs in interest. Get top-up facility too.

From 8.5% | Save up to ₹5L
ELIGIBILITY

Home Loan Eligibility Criteria

Most salaried and self-employed individuals qualify. Here's what lenders typically look for.

For Salaried Individuals

Working in a private/public company or MNC

  • Age
    21–60 years at loan maturity
  • Work Experience
    Minimum 2 years total, 1 year in current job
  • Minimum Salary
    ₹25,000/month net take-home
  • CIBIL Score
    700+ for best rates; 650+ may qualify at higher rate
  • Documents
    ITR 2yr, Salary slips 3mo, Bank statement 6mo

For Self-Employed / Business

Proprietors, partners, directors, professionals

  • Age
    25–65 years at loan maturity
  • Business Vintage
    Minimum 3 years in current business
  • Minimum Income
    ₹3 LPA net profit as per ITR
  • CIBIL Score
    700+ preferred; alternate lenders for lower scores
  • Documents
    ITR 3yr, P&L, Balance sheet, GST returns
CALCULATOR

Home Loan EMI Calculator

Instantly calculate your monthly EMI, total interest payable, and total repayment amount.

Enter Loan Details

EMI BREAKDOWN

Monthly EMI
₹43,391
per month for 20 years
₹50,00,000
Principal Amount
₹54,13,880
Total Interest
₹1,04,13,880
Total Repayment
PROCESS

Get Your Home Loan in 5 Steps

From application to disbursement — we make the journey smooth and stress-free.

1

Share Details

Tell us your income, property details and loan requirement in under 5 minutes.

2

Get Pre-approved

Receive pre-approval letter within 24 hours — strengthen your negotiation with the seller.

3

Document Submission

Upload documents digitally. Our team verifies, organizes, and submits to the bank.

4

Valuation & Legal

Bank's technical and legal team visits. We coordinate and follow up to expedite the process.

5

Disbursement

Loan sanctioned, registered, and amount disbursed. Keys are yours!

DSA PARTNER PROGRAM

Earn ₹1–3% on Every
Home Loan You Refer

Join ArthOne's DSA (Direct Sales Agent) network and earn flat 1–3% commission on every home loan you successfully refer. With average ticket sizes of ₹30–80 lakhs, a single referral can earn you ₹30,000–₹2,40,000.

1–3%
Commission/Loan
₹50L+
Avg Ticket
20+
Bank Partners
  • Zero investment to start
  • Access to 20+ lenders
  • Dedicated operations team
  • Same-day commission credit
  • Real-time case tracking
  • Marketing support
Become a DSA Partner
₹ COMMISSION Per ₹50L Loan₹50K–1.5L Commission Rate1–3%
FAQ

Home Loan FAQ

Answers to the most common questions about home loans, eligibility, tax benefits and the process.

How much home loan can I get based on my salary?
Banks typically allow EMI up to 40–50% of your net monthly salary. So if you earn ₹60,000/month net, your eligible EMI is ₹24,000–30,000. At 8.5% for 20 years, this translates to approximately ₹25–31 lakhs loan. Adding a co-applicant (spouse) significantly increases eligibility as both incomes are combined. Our eligibility calculator gives an exact number in seconds.
What is the minimum CIBIL score required for a home loan?
Most banks require a CIBIL score of 700+ for home loan approval. A score of 750+ gets you the best interest rates. Scores between 650–699 may qualify with certain NBFCs and HFCs at slightly higher rates. If your score is below 650, we recommend improving it for 6–12 months before applying. We help you understand what's dragging your score and how to fix it.
What are the complete tax benefits on a home loan?
Section 80C: Deduction up to ₹1.5 lakh on principal repayment per year. Section 24(b): Deduction up to ₹2 lakh on interest paid for self-occupied property. Section 80EEA: Additional ₹1.5 lakh interest deduction for first-time homebuyers on affordable housing (stamp duty value ≤ ₹45L). Total saving of up to ₹5 lakh/year in taxable income — translating to ₹1.5L+ actual tax savings for a 30% tax bracket individual.
Is there a prepayment penalty on home loans?
For floating rate home loans, RBI mandates zero prepayment penalty from any bank. You can prepay any amount at any time without charges. For fixed-rate loans, some banks charge 2–4% of the prepaid amount. We recommend floating rate loans for most borrowers as they benefit from rate reductions. Partial prepayment is also allowed and directly reduces your principal, saving substantial interest.
What documents are needed for a home loan application?
KYC: PAN, Aadhaar, passport-size photos. Income proof (salaried): Last 3 months salary slips, Form 16, ITR last 2 years, 6-month bank statement. Income proof (self-employed): ITR last 3 years, P&L and Balance Sheet, GST returns. Property documents: Sale agreement, title documents, approved plan, NOC from society/developer. Our team creates a customized checklist for your specific case.
Can I get a joint home loan and what are the benefits?
Yes — joint home loans are highly beneficial. Both applicants' incomes are combined, significantly increasing loan eligibility. Both co-applicants individually claim tax deductions (each can claim ₹1.5L under 80C + ₹2L under 24(b) = ₹7L total deduction for a couple). Female co-applicants get 0.05–0.1% interest rate concession from most banks. Recommended for married couples planning to buy together.
What is balance transfer and when should I do it?
Balance transfer means moving your existing home loan from one bank to another offering a lower rate. If your current rate is 9.5% and another bank offers 8.5%, transferring a ₹40L outstanding loan saves approximately ₹3.5–4 lakh in total interest. Ideal to do if: (1) you're in the early years of repayment, (2) difference is 0.5%+ per annum, (3) your CIBIL has improved since original loan. We calculate your savings for free.

Ready to Own Your Dream Home?

Get the best home loan rate in under 72 hours. Compare 20+ lenders, get pre-approved, and move into your home faster.

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