Home Loan in India: Low Interest Rates & Easy Approval
Buying your dream home is now easier with a Home Loan. Credvivo helps you find the perfect home loan with lowest interest rates from top banks across India. We also offer Personal Loans and Business Loans.
Already buying a home? You may also need funds for interiors or registration — see how a personal or insurance plan can complete your purchase.
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Home Loan in India: Low Interest Rates & Easy Approval — quick comparison
Comparison
| Lender type | Interest rate (p.a.) | Tenure | Processing fee |
|---|---|---|---|
| Public sector banks | 8.35% – 9.10% | Up to 30 years | 0.25% – 0.50% |
| Private banks | 8.50% – 9.40% | Up to 30 years | 0.50% – 1.00% |
| Housing finance NBFCs | 8.75% – 10.25% | Up to 25 years | 0.50% – 2.00% |
| Balance transfer offers | From 8.35% | Remaining tenure | Often waived |
Why Take a Home Loan Through Credvivo
Fast Approval: Get your home loan approved quickly so you can move into your new home sooner.
Compare Bank Offers: We help you compare interest rates and terms from 15+ partner banks like HDFC, SBI, and ICICI.
Expert Support: Our loan experts guide you through the entire process, making it simple and stress-free.
Minimal Paperwork: We help you with documentation, ensuring a smooth and hassle-free application.
Lowest Interest Rates: Get access to the most competitive home loan interest rates available in the market.
No Hidden Charges: Credvivo ensures complete transparency with no hidden fees or surprise charges.
Who Can Apply
- Indian Citizen
- Age: 21 to 65 years
- Salaried or Self-Employed
- Minimum CIBIL Score: 650+
- Minimum Income: ₹20,000 per month (salaried), ₹3 lakh per annum (self-employed)
- Work Experience: Min. 2 years (salaried), Min. 3 years in business (self-employed)
Documents Needed
- PAN Card
- Aadhaar Card
- Last 3 months' Salary Slips (for salaried)
- Last 6 months' Bank Statements
- Form 16 / ITR for last 2 years
- Property Documents (Agreement to Sale, Title Deed, etc.)
- Business Proof (for self-employed)
Home Loan in India: Low Interest Rates & Easy Approval eligibility and document checklist
Eligibility
| Criterion | Typical requirement |
|---|---|
| Age | 21 – 65 years (at maturity) |
| Minimum income (salaried) | ₹25,000 / month net |
| Minimum income (self-employed) | ₹3 lakh / year ITR |
| CIBIL score | 725+ for best rates, 680+ accepted |
| Employment vintage | 1+ year (salaried) / 3+ years (business) |
| Loan-to-value | Up to 90% of property value |
Document checklist
| Category | Salaried | Self-employed |
|---|---|---|
| Identity & address | PAN, Aadhaar | PAN, Aadhaar |
| Income proof | Last 3 salary slips, Form 16 | Last 2 years' ITR + computation |
| Bank statements | Last 6 months (salary account) | Last 12 months (current account) |
| Employment / business | Offer letter or HR letter | GST returns, business proof |
| Property | Sale agreement, title chain, NOC | Sale agreement, title chain, NOC |
Plan your Home Loan in India: Low Interest Rates & Easy Approval EMI
Your Monthly EMI · Home Loan
₹21,696
Our Home Loan Process
Apply Online
Fill out our simple online application form in minutes.
Compare & Choose
Our experts will help you compare offers from various banks and choose the best fit.
Quick Approval
Submit your documents and get swift approval for your home loan.
Loan Disbursal
Once approved, the loan amount is disbursed directly to the seller or builder.
Frequently Asked Questions
Looking for something different? You can also explore Personal Loan options, check Business Loan solutions or compare Car Loan offers.
Round Out Your Home Purchase
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Plan your home loan with the best EMI options
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Check Home Loan Eligibility