A home loan that fits your life
Buying your first home, building on your plot or moving your loan for a better rate — we'll help you understand your options and connect you with the right lender.
- Loan amount
- Up to 75–90% of property value
- Interest rate
- From ~8.5% p.a.*
- Tenure
- Up to 30 years
- Tax benefits
- Under Sec 24(b) & 80C
* Indicative figures. Final terms are set by the lender.
EMI calculator
Monthly EMI
₹26,511
- Principal
- ₹30,00,000
- Interest
- ₹33,62,717
- Total payable
- ₹63,62,717
Illustrative, using the reducing-balance method. Your actual rate and EMI are set by the lender.
How to apply
Apply for a home loan online
Three simple steps, all from your phone.
- 1
Enter your mobile number and verify it with an OTP
- 2
Tell us about your income and the amount you need
- 3
Compare matched offers and continue with the lender you choose
Apply online
Check your home loan offers
Share a few details and we'll match you against every lending partner's criteria. It's free, and it won't affect your credit score.
- Takes about two minutes
- Only RBI-regulated banks and NBFCs
- No charges to you, ever
- Your details are shared only with the lenders you're matched to
Documents required
Lenders may ask for more depending on your profile.
- KYC
- PAN and Aadhaar
- Income proof
- Salary slips & Form 16, or ITR for self-employed
- Bank statement
- Last 6 months
- Title documents
- Sale deed, allotment letter or agreement to sell
- Approvals
- Approved building plan and NOCs
- Payment proof
- Receipts of any amount already paid to the seller
Eligibility criteria
Typical requirements. Each lender applies its own rules.
Age: 21 to 65 years at loan maturity (varies)
Income: Stable income; EMIs usually capped at 50–60% of income
Credit score: 750+ gets the best rates
Property: Clear title and approved construction
Fees & charges
Know the full cost upfront
Compare the Annual Percentage Rate (APR) in each lender's Key Fact Statement, not just the interest rate.
| Charge | Typical range* |
|---|---|
| Interest rate | Around 8.5% – 12% p.a., floating or fixed |
| Processing fee | Typically 0.25% – 1% of the loan amount + GST |
| Prepayment | Nil on floating-rate loans to individuals, per RBI |
| Legal & valuation | Charged by the lender at actuals |
| CredoCash service fee | ₹0 — we never charge borrowers |
* Indicative market ranges, set by the lender and subject to change. GST applies where stated.
How CredoCash works
We do the matching. You stay in control.
Share your details once
Create your CredoCash account and tell us what you need. It takes about five minutes.
We match you with lenders
Our rules engine checks your profile against each partner's criteria, so you only see lenders likely to approve you.
You choose and apply
Pick an offer and complete KYC with the lender. The lender approves, sets the terms and disburses directly to you.
Before you apply
Things to know
Floating vs fixed
Floating rates move with the lender's benchmark; fixed rates stay stable but usually start higher. Most home loans in India are floating.
Plan the down payment
Lenders fund up to 75–90% of the property value. Budget for the rest, plus stamp duty and registration.
Balance transfer
If your current rate is well above market, moving the loan to another lender can cut your total interest significantly.
Lending partners
Home Loan partners
We're onboarding home loan partners. Share your requirement and our team will help you find the right lender.
FAQs
Home Loan questions
How much home loan can I get?
It depends on your income, age, existing EMIs and the property value. Lenders typically fund 75–90% of the property value.
Can I add a co-applicant?
Yes. Adding an earning spouse or parent as co-applicant can increase your eligible amount and both can claim tax benefits.
Are there charges for prepaying a home loan?
RBI does not allow prepayment penalties on floating-rate home loans taken by individuals.
No fees · No credit score impact
Find a Loan That Fits Your Needs
Compare offers from RBI-regulated lenders in a few minutes. It's free, and checking offers won't affect your credit score.