Home loans for every stage of buying — purchase, plot, flat, or building from scratch.
A house purchase, a flat purchase, and a plot-plus-construction loan are underwritten differently. We route you to the specific product and lender that fits what you're actually buying — not a generic "home loan" bucket.
Seven products, one hub — because they're not the same loan.
Residential is kept separate from commercial & industrial property loans everywhere on this site — different LTV rules, different lenders, different conversation.
House Purchase Loan
Resale or builder independent house, 75–90% of value depending on ticket size.
Flat / Apartment Purchase
Under-construction or ready-to-move — we check the project's approval status first.
Residential Plot / Land Purchase
Funds the land alone — usually a lower LTV, with a build-within-period expectation.
Loan Against Property (Residential)
Unlock your home's value without selling it — for expansion, education, or medical needs.
Loan Against Land
Already own a vacant residential plot? Borrow against it — a different product from LAP.
Construction & Renovation
Disbursed in stages against actual progress — foundation to finishing.
Home Loan Balance Transfer
Still on your old rate? See what switching lenders could actually save you.
What most of our lenders look for.
Exact criteria vary by product and lender — this is the baseline we screen against before shortlisting.
Eligibility
Salaried or self-employed, 21–65 years (varies by lender)
Stable, verifiable income — salary slips, ITRs, or bank statement patterns
CIBIL score 600+ typically required for pre-screening.*
Clear property title and approved building plan
Not just salaried buyers — many of our lenders also work with self-employed and alternate-income profiles, including some who specialise in affordable/micro-housing finance for informal-income segments. Daily-wage and gig-income profiles are often better suited to our personal or business loan products — we'll tell you honestly which fits during your Dostaa Score check.
Documents
ID & address proof, passport-size photos
Income proof — salary slips/Form 16, or ITRs for self-employed
Bank statements (6 months)
Property documents — sale agreement, title deed, encumbrance certificate
Four steps, one point of contact.
Check eligibility
Dostaa Score reads your profile in 90 seconds — no documents yet.
Talk to an advisor
We shortlist the lender actually suited to your case.
Apply once, correctly
Right documents, right lender — the first time.
Track to disbursal
We stay with the application until the money lands.
What will your home loan EMI actually be?
₹5 lakh to ₹5 crore, rates from 7.9%*. Move the sliders — the numbers and the repayment chart update instantly.
Estimate only. Your partner lender's Key Fact Statement at sanction is the final word on rate, fees, and total cost.
Know what you qualify for — before you apply anywhere.
Pick your CIBIL band honestly. We'll tell you where you stand, including if the honest answer right now is "not yet."
Likely — with the right lender.
Not every bank says yes at this profile, but our network includes lenders who specialise in exactly this range. Worth a real conversation.
Self-reported screening only — this does not affect your CIBIL score. *Conditions apply; final eligibility and rate are decided by the lender.Share your number — an advisor calls back. No fee, ever.
Home loan questions, answered straight.
How much loan can I get on a ₹50 lakh house?
Typically up to 80–90% of the property value, subject to your income and the lender's policy — check your Dostaa Score for a profile-specific estimate.
Can I get a home loan if I'm self-employed?
Yes — self-employed applicants need ITRs (usually 2–3 years) instead of salary slips; some lenders in our network specialise in self-employed profiles.
What's the difference between Loan Against Property and Loan Against Land?
LAP is secured by a built structure; Loan Against Land is secured by vacant land alone, usually at a lower percentage of value and for a shorter term.
Is there a cost to a home loan balance transfer?
Some lenders charge a processing fee on the new loan — we factor this in before showing your net savings, not just the headline rate difference.