Your Dream Home, Financed
Right Now
Home loans starting at 8.40% p.a. from 60+ banks & NBFCs. Up to ₹10 Crore. 30-year tenure. Claim up to ₹3.5 Lakh in annual tax benefits.
*Rates indicative and subject to lender credit assessment · LTV up to 90% · Tenure up to 30 years
Lowest Rate Available
per annum
Floating · Bank of Baroda / Canara
Max Amount
₹10Cr
Up to 90% of value
Annual Tax Saving
₹3.5L
80C + 24b + 80EEA
Tenure
Up to 30 Years
Pre-Approval
48 Hours
8.5%*
Starting Rate p.a.
₹10 Cr
Max Loan Amount
30 yrs
Maximum Tenure
90%
LTV Ratio
Current Home Loan Interest Rates
Indicative rates from major Indian lenders. Your actual rate depends on credit profile and property type.
*Rates updated periodically. Actual rate offered may vary based on CIBIL score, income, and property. Subject to lender terms.
Which Home Loan Suits You?
From ready-to-move to under-construction — we have a loan type for every property scenario.
New Home Purchase
Buy a ready-to-move-in flat, apartment, or independent house from a developer or resale market.
Under Construction
Finance an under-construction property. Funds disbursed in tranches as construction progresses.
Plot + Construction
Purchase a plot of land and build your dream home on it with a single composite loan.
Home Renovation
Renovate, extend, or upgrade your existing home with a dedicated top-up or renovation loan.
Balance Transfer
Shift your existing home loan to a lower-interest lender and save lakhs over the tenure.
NRI Home Loan
Special schemes for Non-Resident Indians to purchase or construct property back home.
The Smarter Way to Finance Your Home
We compare 60+ lenders to find you the best rate — and guide you through every step of the home loan process.
Rates from 8.40% p.a.
Access the lowest available rates across 60+ partner banks and NBFCs — matched to your credit profile.
Quick Pre-Approval
Get a conditional in-principle approval within 48 hours. Know your eligibility before you finalise your property.
Zero Surprise Fees
Full transparency on processing charges (0.25%–2%), legal fees, and technical charges before you sign.
Tax Benefit Planning
Save up to ₹3.5 lakh/year in income tax via Section 80C, 24(b), and 80EEA deductions on your home loan.
Balance Transfer
Already have a home loan? We help you switch to a lower-rate lender and reduce your EMI significantly.
Dedicated Advisor
A dedicated home loan specialist guides you from eligibility check to property registration — step by step.
Save Up to ₹3.5 Lakh
on Tax Every Year
A home loan is one of the biggest tax-saving instruments available to Indian taxpayers. Under the old tax regime, you can claim deductions on both principal and interest payments.
Apply & Start SavingPrincipal repayment
Combined with other 80C investments
Interest paid
Self-occupied property
Additional interest
First-time buyers, affordable housing
Note: Tax benefits are under the old tax regime. Consult your CA for personal advice. OpenCredit helps you factor in tax savings while choosing your loan structure.
Get Your Home Loan in 5 Steps
From eligibility check to disbursement — completely digital and assisted.
Check Eligibility
Fill a quick form — takes 2 minutes. We instantly show your eligible loan amount and best available rates.
Compare Lenders
Get offers from 60+ banks & NBFCs. Compare rates, processing fees, and terms side-by-side.
Upload Documents
Submit all documents digitally. No branch visit. We verify and forward to your chosen lender.
Property Valuation
Lender conducts a legal and technical check of the property. Usually done in 3–5 working days.
Approval & Disbursal
Receive final sanction letter. Funds are disbursed directly to the builder or seller.
Eligibility & Documents
Check the basic requirements before applying.
Eligibility Criteria
Tip: Adding a co-applicant (spouse or parent) significantly boosts your eligible loan amount and may improve your interest rate.
Documents Required
Identity & Address
- PAN Card
- Aadhaar / Passport / Voter ID
- Utility bill (address proof)
Income Proof
- Last 3 months salary slips
- 6 months bank statement
- Latest ITR + Form 16 (2 years)
Property Docs
- Sale agreement / Allotment letter
- Title deed / Encumbrance certificate
- Approved building plan & NOC
Others
- Passport-size photographs
- Existing loan statements (if any)
- Property tax receipts (resale)
Upload all documents digitally — no physical submission needed. Max 5MB per file (PDF, JPG, PNG).
Home Loan Questions
Ready to Own Your Dream Home?
Check eligibility in 2 minutes. Compare 60+ lenders. Get the lowest rate for your profile.
Subject to credit approval · LTV up to 90% of property value
OpenCredit is a loan marketplace/DSA. Loans disbursed by RBI-registered partner banks/NBFCs. Not a bank or NBFC.