Your Dream Home Deserves a Loan That Fits Your Life.
We compare 30+ top banks and HFCs to secure you the lowest interest rate, maximum property funding (up to 90%), and clear terms with zero hidden processing traps.
- Up to 90% Property Funding
- Zero Prepayment / Foreclosure Charges (RBI Regulated)
- Dedicated Doorstep Documentation Desk
Check Your Eligibility
Instant check · No impact on CIBIL score
8.35%*
Starting Interest Rate
Up to 30 Yrs
Flexible Loan Tenure
Up to 90%
Property Cost Financed (LTV)
30+
Lending Partners Compared
CUSTOM FINANCING OPTIONS
Choose the Loan Built for Your Project
Ready Property Purchase
For ready-to-move apartments, independent houses, or registered resale flats. Fast-track title checks.
Under-Construction Booking
Tranche-based disbursements matching developer construction stages with pre-EMI interest flexibility.
Plot Purchase + Construction
Composite financing that covers both the acquisition of a residential plot and the house building costs.
Home Renovation / Extension
High-value funding based on architect/contractor estimates to remodel, expand, or upgrade your home.
Home Loan EMI Calculator
Estimate your monthly mortgage payments, assess your down payment ratio, and visualize your total interest outlay across your home loan tenure.
From Consultation to Key Handover
01. Financial Sanity-Check
We assess your FOIR (Fixed Obligation to Income Ratio) and CIBIL score to match you with the right lender tier.
02. Offer Comparison
We present a transparent side-by-side sheet of actual ROI, processing fees, and valuation levies.
03. Legal & Technical Clearance
Our team coordinates with bank evaluators and property registrars to secure your sanction letter.
04. Disbursal & Agreemen
You execute the final loan agreement with total clarity on your amortization schedule and no fine-print surprises.
Eligibility Criteria
- Age: 21 to 65 years (or retirement age).
- Employment: Salaried (Private/Govt) or Self-Employed (Business/Professional).
- Minimum Monthly Salary: ₹25,000+ net in-hand.
- Credit Score: 750+ recommended for prime interest rate slabs.
- FOIR Limit: Total existing EMIs within 40%–50% of monthly income.
Documentation Needed
- KYC: PAN Card, Aadhaar Card, Proof of Address.
- Income (Salaried): Last 3 months' salary slips, Form 16 (2 years), 6 months' bank statements.
- Income (Self-Employed): 2–3 years' ITR with computation, P&L, balance sheets, 12 months' banking.
- Property Records: Sale deed copy, builder buyer agreement, approved municipal building plan.
Frequently Asked Questions
Q1: Can the bank penalize me if I pay off my home loan early?
A: No. Under Reserve Bank of India guidelines, banks and housing finance companies are prohibited from charging foreclosure or part-payment penalties on floating-rate home loans sanctioned to individual borrowers.
Q2: What is the difference between Pre-EMI and Full EMI?
A: Pre-EMI is simple interest charged only on the funds disbursed to the builder during construction. Full EMI includes both principal and interest, meaning you actively pay down your loan from day one.
Q3: What tax benefits can I claim on a home loan?
A: Under the Old Tax Regime, you can claim up to ₹1.5 Lakhs annually on principal repayment under Section 80C and up to ₹2.0 Lakhs on interest payments under Section 24(b) for a self-occupied home.
Q4: How does Trueways help without charging a fee?
A: Our advisory is 100% free to borrowers. You pay the exact standard rate offered by the institution. We assist with paperwork, lender negotiation, and title clearances through our salaried advisory desk.
READY TO TAKE THE NEXT STEP?
Let’s Calculate Your Home Loan Route.
Book a 30-minute consultation with a Trueways loan advisor. Clear guidance, zero sales harassment.