HOME LOAN
Home Loan
Compare Home Loan offers from our regulated lending partners — fully digital, start to finish.
Check Your Offers →Compare Home Loan offers from our regulated lending partners — fully digital, start to finish.
Check Your Offers →A Home Loan is financing from a bank or NBFC to help you purchase a residential property, secured against that property. You repay it over an agreed tenure through EMIs (equated monthly instalments). NeerCred doesn't lend the money itself — we collect your details once and match you with partner banks/NBFCs who evaluate and, if approved, disburse the loan directly.
Lenders in India typically offer a few distinct kinds of home financing, depending on what you're actually doing with the property:
Lenders express how much they'll finance against a property's value as the Loan-to-Value (LTV) ratio — for example, an LTV of 80% means the lender finances 80% of the property's value, and you cover the rest as a down payment. LTV limits are set by RBI guidelines and vary by loan amount slab and by lender; your matched lender will share the exact LTV that applies to your application as part of their offer.
Home loan repayments can potentially reduce your tax liability under the Income Tax Act — broadly, interest paid may be deductible under Section 24(b), and principal repayment may qualify under Section 80C, subject to the limits, conditions, and eligibility criteria in force for the relevant financial year. These are general provisions of tax law, not a NeerCred benefit or guarantee — please confirm current limits and your own eligibility with a qualified tax advisor or chartered accountant before relying on them.
You'll be asked for this directly in the application below — nothing needs to be uploaded or prepared in advance.
Fill in your details
Answer a short set of questions online — takes a few minutes.
Get matched
We match you with eligible partner banks/NBFCs based on your profile.
Complete with the lender
Finish your application directly with the matched lender to proceed.
Does NeerCred approve my Home Loan?
No. NeerCred matches you with partner banks/NBFCs based on the details you provide — the lender you're matched with makes the actual credit decision, not NeerCred.
Are there any charges from NeerCred for this?
No. NeerCred doesn't charge you anything to compare or apply. Any lender-side deduction or charge is disclosed by the lender in the Key Fact Statement (KFS) and loan agreement before you proceed.
What happens after I submit my details?
You're matched with eligible partner lenders based on your profile, and you complete the rest of the application directly with the matched lender to move forward.
What's the difference between a Home Purchase Loan and a Construction Loan?
A Home Purchase Loan finances buying a ready or under-construction property from a builder/seller. A Construction Loan finances building a house on a plot you already own, usually released in stages as construction progresses, rather than as one lump sum.
Can I get a Home Loan if I'm self-employed?
Yes. The application asks separately about GST registration and a business current account for self-employed and business-owner applicants, since lenders assess this profile differently from salaried applicants.
What is LTV and why does it matter?
LTV (Loan-to-Value) is the portion of the property's value a lender will finance — the rest is your down payment. It varies by loan amount and lender, within RBI guidelines. Your matched lender shares the exact LTV that applies to your offer.
Are there tax benefits on a Home Loan?
Home loan interest and principal repayment can potentially qualify for deductions under Sections 24(b) and 80C of the Income Tax Act, subject to applicable limits and conditions. This is general tax law, not a NeerCred benefit — confirm specifics with a tax advisor.
Can I transfer my existing Home Loan to a new lender?
Yes, this is called a Balance Transfer, typically done to seek better terms from a new lender. It's a distinct product from a fresh Home Loan — see our Home Loan Balance Transfer page.
Is this the same application everywhere on the site?
Yes — every Home Loan entry point on NeerCred, including this page, leads to the same underlying application and the same partner lenders. There's no separate or different Home Loan flow.
NeerCred is a multi-lender marketplace, not a lender — we match you with partner banks and NBFCs, who make the actual lending decision. No fees are charged by NeerCred; any lender deduction or charge is disclosed by the lender in the Key Fact Statement (KFS) and loan agreement before you proceed. See how it works and our compliance & disclosures for full details.
Same digital application, same partner lenders — city pages for applicants who'd rather start here.
Andaman & Nicobar Islands
Arunachal Pradesh
Chandigarh
Delhi
Himachal Pradesh
Jharkhand
Maharashtra
Manipur
Meghalaya
Mizoram
Puducherry
Sikkim
Tripura
Uttar Pradesh