Buying a flat, building on your own plot, or finishing a house that's half done — each is a different loan product, and each bank prices them differently. We find the lender where your profile is strongest and your total cost is lowest.
Four kinds of home loan, each priced and processed differently. We match yours to the lender that does it best.
For buying a ready flat, an independent house or a resale property. The loan is based on the agreement value, after the lender checks the property legally and technically.
For building a house on land you already own, or buying a plot and building on it. The money is released in stages as the work progresses, after the bank engineer inspects the site.
For adding an extra floor, more rooms or extra built-up area to a house you already own. Usually released against the estimate and the revised approved plan.
For repairs and upgrades: roofing, flooring, plumbing, wiring, painting or a new kitchen. Some lenders call it a home improvement loan.
Not sure which one fits? Tell us what you're planning and we'll point you to the right loan.
So you see the real cost, not just the rate.
You don't need these to start. We'll give you the exact list once you choose a lender.
Up to 30 years. See the EMI and roughly what income lenders will look for.
Rates shown are examples. Your actual rate depends on your profile and the lender.
Monthly EMI
₹38,801
Lenders usually want your EMIs to stay within about half your take-home pay. For this EMI, that means a monthly income of around ₹77,601.
You decide at every step. Nothing goes to a lender without your yes.
On a call or WhatsApp.
Before any lender sees your file.
With the full cost shown.
Until disbursal.
Something else on your mind? See all FAQs or call us.
Yes. Most banks offer construction loans released in stages as the building progresses. Your plan approval and building permit need to be in order first.
Yes. NRI home loans are common in Kerala. You can sign through a power of attorney here, and we coordinate the branch work while you're away.
Often, if your rate is well above what new borrowers get. We calculate the saving after all switching costs before recommending it.
Nothing to pay for the enquiry, the eligibility check, the bank comparison or the paperwork. Our minimal service fee applies only after the loan is sanctioned and the money reaches you.
Send the basics on WhatsApp. We usually reply within the working day.
