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Home Loans

Home Loans

Apply Home Loan Online

Our simple & hassle-free process, quick loan approvals, and attractive interest rates will make your housing loans experience a great one. We offer our help with property selection, checking approvals of the properties, filing the documents, and calculating the perfect EMI and tenure for you. We are with you in every step of the way to ensure you have the best possible home buying experience.

To see if you are eligible for a home loan, Click Here

Use the home loan EMI calculator to see what works best for you.

One Click Home Loan Eligibility
By filling in few of your details, you can check your home loan eligibility with a single click.

Attractive Interest Rates
The home loan interest rates by Indiabulls Home Loans are extremely feasible. We also provide concessional rates of interest to women beneficiaries. Furthermore, we give facilitates getting of interest subvention to eligible borrowers as per PMAY guidelines under affordable segment

No Hidden Charges
We believe in transparency. Hence, to ensure a great housing loan experience for our customers, there will never be any hidden charges.

Speedy Processing
With our quick loan approvals, you will not face any unnecessary delay that hinders you from getting your housing loan.

Easy Documentation
Say goodbye to tedious paperwork. We are there for you in every step of the way, and that includes helping you file all your paperwork.

Flexible Repayments
With Indiabulls Home Loans, you can relax about repayment by exploring our flexible repayment options.

Long/Short Tenure
We also provide tenure according to your needs and requirements. So, you can explore options of long and short tenure with Indiabulls Home Loans.

  • Home Loan Eligibility
  • Home Loan Interest Rates
  • Fees & Charges
  • Repayment Options
  • Documents
  • How to apply (instant approval - online/contact us - form)

Home loans come with a dual advantage - tax benefits and rent saving. Both these elements contribute towards the EMI outflow.

Appreciation in the property value is an additional bonus. We ensure that our customers get maximum benefits through their home loans.

Here is a list of benefits that you can avail when you take an Indiabulls home loan:
• Approval of loan even if property is yet to be selected
• Online management of Loan account
• Funding available for NRI customers
• Facility for funding for builder’s under construction and ready properties
• Experienced staff to provide doorstep services
• Quick processing and disbursal of loans

Making home loans easier:
• Home search made simple with property search services
• Home loan counseling services
• Attractive interest rates
• Doorstep service
• Quick approval and disbursal
• 5000+ pre-approved projects
• Easy monthly repayments under part disbursements
• Safe document storage (ISO Certified)
• Balance Transfer with reduced interest rates and EMI’s
• No pre-payment / foreclosure charges on home loans

To further enhance the experience of managing your home loan, we have introduced a host of features on our website and phone application. Key features that create value can be accessed from anywhere you want to ensure that there is nothing to hamper your requirements.

Managing home loans is now more convenient:
• Mobile Application
• Online Account Management
• One Click Loan Approval
• Home Loan Calculators
• Easy Document Upload
• Application Trackers on Website and App

Tax Benefits 
The income tax authorities offer certain benefits and exemptions to individuals who have taken a housing loan from specified financial institutions.

Section 24 of the Income Tax Act
Interest paid on capital borrowed for the acquisition, construction, repair, renewal or reconstruction of property is entitled to a deduction. Rs 2,00,000 is the maximum amount eligible for deduction in the case of self-occupied property and for rented out property there is no limit of amount of deduction.

Section 80C of the Income Tax Act
You can get a maximum Rs.1,50,000 deduction from the Income, on repayment of principal during a financial year. Stamp duty, registration fee or other such expenses paid for the purpose of transfer of such house property to the assessee is also considered under this amount.

Home Loans Variable Rate

Loan Amount Variable Rates%
Upto and including Rs 75 lacs 8.35% to 9.75%
More than Rs 75 Lacs and upto Rs 300 lacs 8.70% to 10.50%
More than Rs 300 Lacs 8.80% to 11.25%

Home Loans Fixed & Floating

Loan Amount Fixed Rate Tenure Rates%
Upto and including Rs 75 lacs Upto 2 Years 8.95% to 10.00%
More than Rs 75 lacs and upto Rs 300 lacs
9.00% to 10.75%
More than Rs 300 lacs 9.10% to  11.50%

After the completion of Fixed Rate Tenure, the rate of interest applicable on loan will be the prevailing Variable Rate Of Interest basis the Margin adjusted to Reference Rates at the time of loan agreement execution.

 

Approved Projects

To apply for a loan with Indiabulls Home Loans, click on the below button.
Apply Now