Home Loans, Sorted the Right Way — Not Just the Fast Way
Independent home loan advisory from Inwealfoney. We compare lenders, structure your file, and negotiate your rate — so you don't have to walk into ten branches.
Home loan rates from
7.10% p.a.*
Funding up to
90% LTV
What is a home loan
Financing built around how you'll actually repay it
A home loan is secured funding from a bank or housing finance company to buy, construct, or renovate a property — repaid over 10 to 30 years through monthly EMIs, with the property held as collateral until closure.
Fixed Rate
Predictable EMI
Interest stays constant for a set period, so your EMI doesn't move even if market rates rise. Usually priced 0.5–1% above the equivalent floating rate.
Floating Rate
Repo-linked (EBLR)
Most 2026 home loans are linked to the RBI repo rate. When the repo rate moves, your rate — and EMI or tenure — adjusts with it, usually to your benefit in a falling-rate cycle.
Hybrid
Fixed-then-floating
Starts fixed for 2–5 years for stability, then converts to floating. A middle path if you want initial certainty but plan to prepay later.
Multi-lender comparison
Your file is matched against several banks/NBFCs, not pushed to just one.
Eligibility-first approach
We check what you actually qualify for before you fall in love with a property.
Documentation support
Salaried or self-employed, we help you assemble a clean, bank-ready file.
End-to-end tracking
From login to disbursement, we follow up so you don't have to chase the branch.
Eligibility
Do you qualify? Here's what lenders actually check
Criteria vary slightly by lender, but these are the core checks across salaried and self-employed profiles in 2026.
- ✓Age: 21–65 yearsLoan must typically close before retirement age or 65–67, whichever applies at your lender.
- ✓Minimum income: ~₹25,000/monthBenchmark for urban applicants; varies by city and lender.
- ✓Work experience: 2–3 yearsIncluding at least 6–12 months with the current employer.
- ✓CIBIL score: 725+Scores of 700+ may still qualify, often at a higher spread.
- ✓Debt-to-income ratio: up to ~50%Existing EMIs (car, personal loan, credit cards) reduce your eligible loan amount.
- ✓Age: 21–70 yearsSelf-employed professionals generally get a longer repayment window than salaried applicants.
- ✓Business/practice vintage: 3–5 yearsStability of income matters more than peak earnings.
- ✓Declared ITR incomeLenders assess eligibility on your filed ITR — not gross business turnover.
- ✓CIBIL score: 725+Self-employed profiles are often priced 0.25–0.5% higher than salaried, even at the same score.
- ✓Consistent bank statement flowSteady credits over 12 months carry more weight than a single strong year.
Loan-to-Value (LTV) Slabs
Loan up to ₹30 lakhUp to 90%
₹30 lakh – ₹75 lakhUp to 80%
Above ₹75 lakhUp to 75%
The balance is your down payment. Higher LTV usually means a slightly higher rate slab.
Documentation
What you'll need to keep ready
Having these scanned and organised before you apply typically shaves days off approval time.
KYC (Everyone)
- PAN card (mandatory)
- Aadhaar / Passport / Voter ID / DL
- Recent passport-size photographs
- Address proof (utility bill / Aadhaar)
Salaried Income Proof
- Last 3 months' salary slips
- Form 16 / last 2 years' ITR
- Last 6 months' bank statement
- Employment / appointment letter
Self-Employed Income Proof
- Last 2–3 years' ITR with computation
- CA-certified P&L and balance sheet
- 6–12 months' business & personal bank statements
- Business registration / proof of practice
Property Documents
- Sale agreement / agreement to sell
- Title deed and chain of ownership
- Approved building / sanction plan
- Allotment letter (if under-construction)
No-Objection & Clearances
- NOC from builder / housing society
- Encumbrance certificate
- Latest property tax receipts
- Occupancy certificate (ready property)
Co-Applicant / Guarantor
- KYC and income proof, same as above
- Relationship proof with primary applicant
- Recommended when it boosts eligible amount
Note: Exact requirements vary by lender and loan scheme. Share your profile with us and we'll send a checklist customised to the bank we're targeting for you.
EMI Calculator
See your monthly EMI in seconds
Drag the sliders to match your loan amount, tenure, and expected rate.
₹40,00,000
8.25%
20 yrs
₹0
Monthly EMI
Principal
Interest
Total Interest
₹0
Total Payment
₹0
*Indicative calculation for illustration only. Actual EMI, rate, and eligible amount depend on lender policy, your credit profile, and processing/insurance charges.
Yearly Repayment Schedule
| Period | EMI Paid | Principal Paid | Interest Paid | Balance Remaining |
|---|
FAQs
Common home loan questions
Most lenders cap your total EMIs (including the new home loan) at roughly 40–50% of your net monthly income. So a higher salary, longer tenure, or lower existing EMIs directly increases your eligible loan amount. We can run an exact estimate against your profile.
Floating (repo-linked) rates are usually cheaper over the loan's life and adjust automatically as the RBI repo rate moves. Fixed rates suit borrowers who want EMI certainty for a defined period, even at a slightly higher starting rate.
Some lenders offer limited no-ITR options for pre-approved or high-credit-score customers, typically at a lower loan amount or higher rate. It's the exception, not the norm — most self-employed applicants will need at least 2 years of ITR.
Yes. Adding an earning co-applicant (spouse, parent, or sibling) combines incomes for eligibility calculation and can meaningfully raise your sanctioned amount — it may also unlock additional tax benefits for both applicants.
Typical charges include a processing fee (roughly 0.25–0.5% of loan amount), property valuation and legal verification fees, stamp duty on the loan agreement in some states, and prepayment charges on fixed-rate loans. Floating-rate loans usually carry no prepayment penalty for individual borrowers.
With a complete document set, sanction typically takes 5–10 working days. Final disbursement depends on property due diligence and, for under-construction property, on the builder's stage of construction.
Let's check what rate and amount you actually qualify for
Share a few details and we'll compare lenders on your behalf — no cost, no obligation, and no walking into ten different branches.
Inwealfoney · AMFI-registered mutual fund distributor (ARN-337100) & loan advisory. Rates and eligibility are indicative and subject to lender policy at the time of application.