EMI Calculator
Estimate your monthly payment before you start shortlisting properties.
Loan Details
Indicative figures for planning only — actual EMI depends on the lender's assessed rate, tenure and processing fees.
Frequently Asked Questions
Most lenders ask for PAN and Aadhaar, address proof, the last 3-6 months of bank statements, and income proof — salary slips and Form 16 for salaried applicants, or ITRs and financials for self-employed applicants. Our home loan desk will confirm the exact list for your chosen lender.
Banks and NBFCs typically finance 75-90% of the property's value, depending on the loan amount slab and your eligibility — this is known as the Loan-to-Value (LTV) ratio. The remaining amount, plus stamp duty and registration charges, needs to come from your own funds.
A larger down payment lowers your Loan-to-Value ratio, which some lenders reward with a slightly better rate since it reduces their risk. It also directly reduces your loan amount and total interest paid over the tenure, even if the rate itself stays the same.
For floating-rate home loans, RBI rules require banks and NBFCs to allow prepayment or foreclosure without any penalty for individual borrowers. Fixed-rate loans may still carry prepayment charges, so it's worth confirming the terms with your specific lender before signing.
We work with a panel of leading banks and NBFCs to help match you with a competitive rate based on your profile. Share your details through the form here and our home loan desk will get in touch with options suited to your requirement.