Home / Home Loan
Home Loans at India's Finest Rates
Purchase, construction, plot+construction or balance transfer — home loans from ₹30 Lakh to ₹20 Crore at 7.35% onwards, including overdraft structures that can save lakhs in interest.
Funding Amount
₹30 Lakh – ₹20 Cr
Approval Timeline
1–3 weeks
Pricing
7.35% p.a. onwards
About Home Loan
A home loan is the largest financial commitment most families ever make — and the most under-negotiated. A 0.5% rate difference on a ₹1 Crore loan is roughly ₹10 Lakh over a 20-year tenure. Choosing the right lender, structure and timing is worth real money.
LOANYARD CAPITAL compares offers across 50+ banks and housing finance companies for every profile: salaried and self-employed, NRIs, professionals, and high-value borrowers whose eligibility benefits from structured income assessment. We negotiate rates, waivers on processing fees and flexible prepayment terms you may never be offered walking into a branch.
Beyond plain-vanilla loans, we advise on home-saver/overdraft structures (park surplus funds to cut interest dramatically), balance transfers with top-ups for renovation or business needs, and construction-linked funding for self-built homes — always matched to your cash-flow reality.
Key Benefits
Who Should Apply
- First-time buyers seeking the sharpest rate
- Self-employed borrowers needing smart eligibility assessment
- Existing borrowers stuck on high rates (balance transfer)
- NRIs buying residential property in India
- HNIs financing premium and luxury homes
Eligibility
- Age 21–65 at loan maturity
- Stable income — salaried or self-employed
- Credit score of 700+ for finest pricing
- Property with clear title and approvals
- LTV up to 90% (slab-linked by loan size)
Documents Required
- KYC and photographs
- Salaried: 3-month payslips, Form 16, 6-month bank statements
- Self-employed: 2–3 year ITRs & financials, 12-month statements
- Property documents: agreement, title chain, approvals
- Existing loan details for balance transfer
- NRI: passport, visa, NRE/NRO statements, employment proof
Industries Served
Our Process
Profile & Property Review
Eligibility computed across lender policies.
Rate Discovery
Live comparison and negotiation across 50+ lenders.
Application & Login
Complete file preparation and submission.
Sanction & Legal
Valuation and title clearance coordinated.
Disbursement
Registration-aligned disbursal, fully managed.
Why LOANYARD CAPITAL
15+ Years
Advisory Experience
500+
Corporate Clients
100+
Lending Relationships
Pan-India
Coverage