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Home loans · Ahilyanagar

Home loans, explained and arranged

Compare what banks and housing-finance companies publish, get one clean file ready, and have someone with you until the money is disbursed. Free for buyers, always.

Talk about a loanCompare rates
  • Partners with all major banks
  • One file, many lenders
  • Free for buyers

30-second check

How much can you borrow?

You may be eligible for about–
EMI–
Worked out at 8.5% with all EMIs up to half your income. The lender decides the final amount.

The lenders we work with

We work with all major banks and many housing-finance companies, so we can send your file to the ones that suit you, not just one.

Published home loan interest rates

Starting rates and ranges as each lender publishes them, lowest first. Tap a source to check it yourself.

    How it works

    Your loan, step by step

    From the first message to the money reaching the seller.

    1. 01

      Tell us the basics

      Income, existing EMIs, the property you like and how much you can put down. Five minutes on WhatsApp or a call.

    2. 02

      We shortlist lenders

      Banks and housing-finance companies that suit your income, property type and timeline, with rate, fees and conditions side by side.

    3. 03

      One clean file

      We check every document before it goes to a lender, so the file is not sent back for something small.

    4. 04

      Valuation and legal check

      The lender sends a valuer and a lawyer to check the property and its papers. We help answer their questions.

    5. 05

      Sanction to disbursal

      You get the sanction letter, sign the agreement, and the money goes to the seller or builder. We stay in touch until it does.

    6. →

      Start step one now

      Two details and we take it from there.

    Documents checklist

    Tick what you already have. Your ticks stay on this device.

    0of 0 ready
      All four lists, ready to print or save as PDF.

      Costs beyond the EMI

      Plan for these before you sign.

      • Processing fee

        Charged by the lender for handling your file. Often a small share of the loan, sometimes with a cap or a waiver offer.

      • Stamp duty and registration

        Government charges on the purchase. Banks do not lend for these, so keep them in cash.

        Work it out

      • Legal and valuation

        Some lenders charge for the property check, separately or inside the processing fee.

      • Insurance

        Lenders often suggest loan or property insurance. It is usually optional; ask before you sign.

      • Down payment

        The part of the price the bank does not lend, usually 10 to 25 percent.

        Work it out

      • Prepayment charges

        Floating-rate home loans to individuals have no prepayment penalty under RBI rules. Check the terms for fixed rates.

        Work it out

      Questions people ask

      Does your help cost me anything?

      No. Loan help is free for buyers. The lender's rate and fees are between you and the lender; we never add to them.

      Which lenders do you work with?

      All major public and private sector banks, and many housing-finance companies. We suggest the ones that fit your income, property and timeline, and you choose.

      Can you guarantee approval?

      No one honestly can. The lender decides. What we can do is make sure your file is complete and goes to lenders that suit your profile.

      Why is my rate higher than the lowest rate shown?

      The lowest published rate is for the strongest profiles: high credit score, salaried, moderate loan amount. Your rate depends on your score, income, loan size and property.

      Fixed or floating rate?

      Most home loans in India are floating: the rate moves with the lender's benchmark. Fixed rates are usually higher and often fixed only for a few years.

      I am self-employed. Can I still get a loan?

      Usually yes, with income tax returns and bank statements that show steady income. We will tell you what to prepare.

      Does a co-applicant help?

      A co-applicant with income can raise the amount you are eligible for. Some lenders also offer a slightly lower rate when a woman is a co-owner.

      Find the lenders that suit you

      Share two details. We look at your income and the property, and tell you which lenders to try first and what to prepare.

      Rates are as published by each lender on the date shown and can change at any time. They are not an offer. Your rate, fees and loan amount are decided by the lender. Nagari Guntha is not a lender. Lender names are trademarks of their owners and are used only to identify them. Full disclaimer