What is a Home Loan?

A home loan is a secured loan provided by banks and NBFCs to help individuals purchase, construct, renovate, or refinance residential property. The property being financed generally serves as security for the loan until it is fully repaid.

Home loans are typically repaid through Equated Monthly Instalments (EMIs) over an agreed tenure. Loan amounts, repayment periods, and interest rates vary depending on the lender's policies and the applicant's financial profile.


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Why Choose EMAX Loans?

Choosing a home loan involves more than simply selecting the lowest interest rate. Factors such as loan tenure, processing charges, repayment flexibility, prepayment options, and lender policies should also be carefully considered.

At EMAX Loans, our advisors help simplify this process by comparing suitable home loan options from multiple banks and NBFCs, ensuring you make an informed decision based on your financial goals.

End-to-End Consultation

We understand your requirements and guide you through every stage of the loan process.

Documentation Support

Our experts help you prepare and organize all required documents accurately.

Profile Evaluation

We assess your profile to identify the lenders most suitable for your financial requirements.

Bank & NBFC Coordination

We coordinate directly with banks and NBFCs to ensure a smooth and hassle-free loan process.

Faster Processing

Our streamlined process helps minimize delays and speeds up loan approvals.

Better Approval Chances

Strategic lender selection and proper documentation improve your chances of loan approval.

Benefits of a Home Loan

A home loan offers several financial advantages when planned wisely.

Finance Your Dream Home

Purchase your dream home without paying the entire property cost upfront.

Flexible Repayment Tenure

Many lenders offer repayment tenures designed to suit different financial situations.

Competitive Interest Rates

Compare loan offers from multiple lenders to identify suitable financing options.

Higher Loan Amounts

Eligible borrowers may qualify for substantial loan amounts depending on lender policies and repayment capacity.

Tax Benefits

Home loans may offer tax benefits under applicable provisions of the Income Tax Act. Applicants should consult a qualified tax professional for advice specific to their circumstances.

Home Loan Eligibility Criteria

Eligibility varies by lender, but common requirements include:

Eligibility Criteria Typical Requirement
Age As per lender policy
Employment Salaried or Self-employed (as per lender policy)
Monthly Income Minimum income as required by the lender
Credit Score Good repayment history preferred
Property Type Residential property
Employment/Business Stability As per lender criteria
Disclaimer: Final approval depends on the lender's assessment..

Compare Online Home Loans from Our Top Lenders

Home loan interest rates vary depending on the lender, applicant profile, credit score, property value, loan amount, and repayment tenure.

Interest Rate

6.70%

Max Tenure

30 Years

Processing Fee

Min ₹ 10,000

Lowest EMI per lakh

₹ 645 per Lakh

  • AGE - Min 18 and Max 70 years for Salaried, Min 18 and Max 70 years for Self Employed
Interest Rate

6.70%

Max Tenure

30 years

Processing Fee

Max ₹ 10,000

Lowest EMI per lakh

₹ 645 per lakh

  • AGE - Min 24 and Max 65 years for Salaried, Min 24 and Max 65 years for Self Employed
Interest Rate

6.65%

Max Tenure

25 years

Processing Fee

NIL

Lowest EMI per lakh

₹ 685 per lakh

  • AGE - Min 23 and Max 65 years for Salaried, Min 23 and Max 65 years for Self Employed
Interest Rate

6.75%

Max Tenure

30 years

Processing Fee

Min ₹ 10,000

Lowest EMI per lakh

₹ 649 per lakh

  • AGE - Min 24 and Max 65 years for Salaried, Min 24 and Max 65 years for Self Employed
Interest Rate

10.24%

Max Tenure

20 years

Processing Fee

Upto 2.00% Min ₹ 5,000

Lowest EMI per lakh

₹ 981 per lakh

  • AGE - Min 21 and Max 65 years for Salaried, Min 21 and Max 65 years for Self Employed
Interest Rate

7.35%

Max Tenure

30 years

Processing Fee

Upto 0.35% Min ₹ 2,500 Max ₹ 15,000

Lowest EMI per lakh

₹ 689 per lakh

  • AGE - Min 21 and Max 65 years for Salaried, Min 21 and Max 65 years for Self Employed
Interest Rate

6.75%

Max Tenure

30 years

Processing Fee

Min ₹ 3,000

Lowest EMI per lakh

₹ 649 per lakh

  • AGE - Min 21 and Max 65 years for Salaried, Min 21 and Max 65 years for Self Employed
Interest Rate

6.70%

Max Tenure

20 years

Processing Fee

Min ₹ 10,000

Lowest EMI per lakh

₹ 645 per lakh

  • AGE - Min 18 and Max 70 years for Salaried, Min 18 and Max 70 years for Self Employed
Interest Rate

6.65%

Max Tenure

20 years

Processing Fee

Max ₹ 10,000

Lowest EMI per lakh

₹ 754 per lakh

  • AGE - Min 21 and Max 65 years for Salaried, Min 21 and Max 65 years for Self Employed
Interest Rate

6.90%

Max Tenure

30 years

Processing Fee

Min ₹ 10,000 Max ₹ 15,000

Lowest EMI per lakh

₹ 659 per lakh

  • AGE - Min 21 and Max 65 years for Salaried, Min 21 and Max 65 years for Self Employed
Interest Rate

8.45%

Max Tenure

30 years

Processing Fee

Upto 1.25%

Lowest EMI per lakh

₹ 765 per lakh

  • AGE - Min 18 and Max 70 years for Salaried, Min 18 and Max 70 years for Self Employed
Interest Rate

8.65%

Max Tenure

25 years

Processing Fee

Upto 1%

Lowest EMI per lakh

₹ 815 per lakh

  • AGE - Min 23 and Max 60 years for Salaried, Min 23 and Max 70 years for Self Employed
Interest Rate

6.90%

Max Tenure

30 years

Processing Fee

Min ₹ 999

Lowest EMI per lakh

₹ 659 per lakh

  • AGE - Min 24 and Max 60 years for Salaried, Min 24 and Max 65 years for Self Employed
Interest Rate

6.75%

Max Tenure

30 years

Processing Fee

Min ₹ 10,030

Lowest EMI per lakh

₹ 649 per lakh

  • AGE - Min 21 and Max 60 years for Salaried, Min 21 and Max 65 years for Self Employed
Interest Rate

7.30%

Max Tenure

20 years

Processing Fee

Max ₹ 10,000

Lowest EMI per lakh

₹ 793 per lakh

  • Age - Min 21 and Max 60 years for Salaried, Min 21 and Max 60 years for Self Employed
Interest Rate

6.75%

Max Tenure

20 years

Processing Fee

Upto .35%

Lowest EMI per lakh

₹ 760 per lakh

  • AGE - Min 25 and Max 70 years for Salaried, Min 25 and Max 70 years for Self Employed

* Note:

Interest rates, loan terms, and eligibility may vary across banks and NBFCs. Connect with EMAX Loans to compare suitable loan offers based on your financial profile.

Documents Required for a Home Loan

The exact documents required may differ depending on the lender and applicant profile.

Identity Proof

Identity Proof

  • PAN Card
  • Aadhaar Card
  • Passport
  • Driving Licence
Address Proof

Address Proof

  • Aadhaar Card
  • Utility Bills
  • Passport
  • Rental Agreement (if applicable)
Income Proof

Income Proof

  • Salary Slips (Last 3–6 Months)
  • Bank Statements
  • Income Tax Returns (ITR)
  • Form 16 (if required)
Employment Proof

Property Documents

  • Sale Agreement
  • Title Documents
  • Property Papers
  • Approved Building Plan (if applicable)
Employment Proof

Employment / Business Proof

  • Employee ID
  • Business Registration Documents (for self-employed applicants)

Types of Home Loans

Different home financing solutions are available depending on your requirement.

Home Purchase Loan

Home Construction Loan

Home Extension Loan

Home Renovation Loan

Plot
Loan

Balance Transfer Home Loan

Top-Up Home Loan

Joint Home Loan

Home Loan EMI Calculator

Planning your monthly repayments is an important part of buying a home.

Loan Amount
Interest Rate
Loan Tenure

Use our Home Loan EMI Calculator to estimate your monthly repayment and choose a loan tenure that suits your budget.

How to Apply for a Home Loan

Get your loan approvals in 5 simple steps.

Share Your Home Loan Requirement

Tell us about the property you wish to purchase, your financing requirement, and your basic financial details.

1

Consult Our Home Loan Experts

Our advisors assess your profile and understand your home financing goals.

2

Compare Home Loan Offers

Review suitable loan options from multiple banks and NBFCs based on your eligibility.

3

Submit Required Documents

Complete your documentation with assistance from our advisory team

4

Application Support

We coordinate with the selected lender and assist you throughout the application process until completion.

5

Frequently Asked Questions

Find answers to common questions about auto loans.

Yes, you can repay your business loan before the end of the tenure. Early repayment helps reduce your overall interest cost. However, depending on your loan agreement, a small prepayment or foreclosure charge may apply.
Yes, we offer refinancing options that allow you to transfer your existing business loan to us at more competitive interest rates and better repayment terms. This can help reduce your EMI burden, improve cash flow, and support better financial planning for your business.
You should apply for a business loan when you need funds to grow or manage your business effectively. Proper timing ensures better utilization and repayment.
  • For business expansion or scaling operations
  • To manage working capital needs
  • To purchase machinery, tools, or inventory
  • To handle seasonal cash flow gaps
  • When your business has stable income
We provide business loan services across India through both online and offline channels. You can apply easily from anywhere through our website or contact us to visit the nearest branch for personalized assistance.

Emax Loans is online Loan Solution portal where Customer can easily apply for various types of Loans and other financial products as per their requirements. We match your requirements with best banks and provide best services. Emax Loans provides quick and hassle free services.

  • Call us on

    +91-8800674184
    011-40537751

  • Monday - Sunday : 11:00am - 6.30pm

  • Address : Office No-105, 1st Floor, Plot No-19/B Veer Savarkar Block, Near Nirman Vihar Metro Station, Shakarpur, Nirman Vihar
    Delhi - 110092

    Business E-mail
    care@emaxloans.com

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