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Home Loan · Pan India · 60+ Lenders

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

🏠Pan India🔒RBI Compliant💰Tax Benefits48-hr Pre-Approval

8.5%*

Starting Rate p.a.

₹10 Cr

Max Loan Amount

30 yrs

Maximum Tenure

90%

LTV Ratio

Live Rates

Current Home Loan Interest Rates

Indicative rates from major Indian lenders. Your actual rate depends on credit profile and property type.

Bank / NBFCInterest RateType
SBI
8.50%Floating
HDFC Bank
8.75%Floating
ICICI Bank
8.75%Floating
Kotak Mahindra
8.75%Floating
PNB
8.45%Floating
Canara Bank
8.40%Floating
Axis Bank
8.75%Floating
Bank of Baroda
8.40%Floating

*Rates updated periodically. Actual rate offered may vary based on CIBIL score, income, and property. Subject to lender terms.

Loan Types

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.

Why OpenCredit

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.

Best Rate

Rates from 8.40% p.a.

Access the lowest available rates across 60+ partner banks and NBFCs — matched to your credit profile.

Fast

Quick Pre-Approval

Get a conditional in-principle approval within 48 hours. Know your eligibility before you finalise your property.

Transparent

Zero Surprise Fees

Full transparency on processing charges (0.25%–2%), legal fees, and technical charges before you sign.

Tax Saving

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.

Save More

Balance Transfer

Already have a home loan? We help you switch to a lower-rate lender and reduce your EMI significantly.

Assisted

Dedicated Advisor

A dedicated home loan specialist guides you from eligibility check to property registration — step by step.

Tax Benefits

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 Saving
Section 80C

Principal repayment

₹1.5 Lakh/year

Combined with other 80C investments

Section 24(b)

Interest paid

₹2 Lakh/year

Self-occupied property

Section 80EEA

Additional interest

₹1.5 Lakh/year

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.

Simple Process

Get Your Home Loan in 5 Steps

From eligibility check to disbursement — completely digital and assisted.

01

Check Eligibility

Fill a quick form — takes 2 minutes. We instantly show your eligible loan amount and best available rates.

02

Compare Lenders

Get offers from 60+ banks & NBFCs. Compare rates, processing fees, and terms side-by-side.

03

Upload Documents

Submit all documents digitally. No branch visit. We verify and forward to your chosen lender.

04

Property Valuation

Lender conducts a legal and technical check of the property. Usually done in 3–5 working days.

05

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

Age21 – 70 years (at loan maturity)
EmploymentSalaried / Self-employed / Business
Min. Net Income₹25,000/month (salaried)
CIBIL Score730+ (higher = better rate)
Work Experience2+ years (salaried), 3+ years (self-employed)
Loan-to-ValueUp to 90% of property value
Co-applicantSpouse or close family member (boosts eligibility)
LocationPan India (Bangalore focus)

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).

Start Application
FAQ

Home Loan Questions

Ready to Own Your Dream Home?

Check eligibility in 2 minutes. Compare 60+ lenders. Get the lowest rate for your profile.

Interest rates from 8.40% p.a.  ·  Loan up to ₹10 Crore  ·  Tenure up to 30 years
Subject to credit approval · LTV up to 90% of property value
Check My Eligibility — Free

OpenCredit is a loan marketplace/DSA. Loans disbursed by RBI-registered partner banks/NBFCs. Not a bank or NBFC.

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