Home Loan

Overview

The loan that puts a roof over everything else.

A home loan is usually the largest financial commitment a family takes on. That's why we treat it with the seriousness it deserves — running your profile through a panel of 15+ lenders, flagging every charge upfront, and walking you through the EMI, tax impact and tenure trade-offs before you sign anything.

Whether it's a ready flat, a plot + construction plan, or a house that needs renovation, we find the product and lender that actually fit your situation.

Side-by-side offers — no bias toward any single lender
Joint applications to boost eligibility & unlock tax benefits
Tax benefits under Section 80C (principal) & 24(b) (interest)

Get a Home Loan Quote

Key Features

What You Get With SHF

Lender Comparison

See the numbers from 15+ banks and NBFCs in one view — rates, processing fees, tenure, turnaround.

Long-Tenure Options

Select tenures that stretch the EMI comfortably — subject to your age and retirement horizon.

Co-Applicant Support

Add spouse, parents, adult children as co-borrowers — improves eligibility and widens tax-benefit coverage.

All Property Types

Ready-to-move, under-construction, plot + construction, resale, builder projects — we handle every kind.

Zero Consulting Fees

Free initial consultation, eligibility check and comparison quotation. No hidden advisory charges.

Digital Tracking

Every stage of your file visible to you — know exactly what's next and who's handling it.

Who Can Apply

Built for Every Borrower Profile

Salaried professionals, self-employed, business owners, NRIs — we tailor the file for each.

Salaried

Employed professionals with a stable income and verifiable salary credit.

Age 21–65
Minimum 2 years of employment

Self-Employed

Proprietors, partnerships, LLPs, private limited directors with filed ITRs.

Minimum 3 years of business vintage
Last 3 years of ITR

NRI & PIO

NRIs and Persons of Indian Origin investing in Indian residential property.

Valid NRI status & overseas income proof
POA in India (guided by us)

FAQs

Home Loan — Commonly Asked

It depends on your income, existing obligations, credit score and the property value. We'll run an eligibility check across our lender panel and give you the realistic range upfront — not a manufactured best-case number.

Sanction usually in 7–14 working days from complete documentation, with disbursement shortly after legal/technical checks on the property clear. Complex files take longer — we'll be upfront.

Yes. Under Section 80C, principal repayment qualifies for deduction up to ₹1.5 lakh p.a. Under Section 24(b), interest paid qualifies up to ₹2 lakh p.a. for a self-occupied property. Joint applicants can claim these separately on their share.