Get Your Home Loan with
Attractive Interest Rates

Apply for Home Loan to fulfill all your financial needs

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Happy Customers
1 Lacs+
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Disbursed Annually
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A Home Loan offers a structured and reliable way to secure funds for purchasing or constructing a residential property. It is a secured form of financing where the property itself serves as collateral, enabling borrowers to access substantial loan amounts at competitive interest rates. Home loans are available to salaried individuals, self-employed professionals, business owners, and even retired applicants, with flexible tenures and repayment options tailored to individual financial profiles and long-term goals.

Through Doloans, enjoy instant funds, disbursal in as little as 24 hours, and flexible terms. Compare among 50+ banks and NBFCs to match a term favourable to you. Share your contact details, and we'll take care of the rest. Fast-track your planning with a user-friendly EMI and eligibility calculator tool.

If you are looking for a transparent, hassle-free, and customer-centric financing experience, a Home Loan from Doloans can be a smart choice. With simplified documentation, expert guidance, and access to multiple lending partners, Doloans helps you find the right home loan solution that aligns with your budget and homeownership aspirations..

Home Loan Detail

1

Loan Type

Unsecured (No collateral required)

2

Loan Amount

₹10,000 to ₹50 Lakhs

3

Interest Rate

Starting from 9.75% p.a.

4

Repayment Tenure

12 to 84 months

5

Usage Flexibility

No end-use restrictions

6

Available In

50+ cities across 18+ states

7

Support

Expert guidance throughout the process

How to Check Your
Home Loan Eligibility

Find out how much of a Home loan you can avail of online based on your income and profile.

Requirements
Employment
Age
Minimum Monthly Income
Credit Score

How to Use Your Home Loan

Planning a major life investment or upgrading your living space? A Home Loan provides structured, long-term financing with competitive interest rates, enabling you to achieve housing-related goals without straining your finances.

Purchase a New Home

Buy an apartment, villa, or independent house with affordable EMIs and flexible tenures tailored to your income profile.

Home Construction

Finance the construction of your own house, from foundation to finishing, with phased disbursements aligned to construction progress.

Home Renovation & Extension

Upgrade, remodel, or expand your existing property—covering everything from structural changes to modern interiors.

Balance Transfer & Top-Up

Transfer your existing home loan to secure better rates, or opt for a top-up loan to meet additional housing or personal needs at lower interest costs.

Compare Best Home Loan in India

Compare Home Loan online from banks and NBFCs to find the most affordable option.

Filters
Bank/NBFC Interest Rate Processing fee Loan Amount Tenure Action
Important: The interest rates and fees listed are merely suggestive and may change based on your profile and the lender's policies.
* Processing fees vary based on the loan amount and may be adjusted according to the lender's policies.

What Makes Doloans
Your Ideal Partner for Home Loan?

Obtain hassle-free Home loans with attractive rates and flexible repayment terms.

Quick Approval

Get fast access to Home loans without the usual hassle, featuring attractive interest rates and convenient repayment terms.

Flexible EMI Options

Choose from repayment options of up to 5 years with affordable EMIs customised for your financial needs.

Competitive Rates

Take advantage of competitive rates starting from 9.75% along with a clear and transparent fee structure.

Zero Repayment Charges

Repay your loan early whenever you like, no extra fees or penalties applied.

No Impact on Credit Score

Check your eligibility with zero impact on your credit score.

100% Digital Process

Enjoy a fully online, paperless application experience from start to finish.

Smart EMI Calculator for
Home Loan

Loan Amount
10,00,000
Interest Rate
9%
Loan Term
5Yr
Break-up of Total Payment
₹ 20,758Per Month EMI for 5 Years
Twenty Thousand Seven Hundred And Fifty Eight

Principal Amount (Total Amount for loan)

₹10,00,000

Interest Payable (Total Interest throughout the loan duration)

₹2,45,501
Total Amount payable
₹12,45,501

EMI Payment Schedule

View Monthly and Yearly Payments

Home Loan Eligibility:
Clear, Simple, and Accessible

A Home Loan could be your financial solution if you meet the eligibility requirements. Here's a quick breakdown of the essential criteria, helping you confidently prepare and apply.

Age limit
Typically between 21 and 60 years at the time of the loan application
Income
A steady income from employment or business
Employment Type
Salaried, self-employed, or pensioners
Credit Score
A good credit score (usually 650 or higher)
Work Experience
Minimum 1-2 years of work experience (depends on lender)
Loan Amount
Varies based on income and repayment capacity. You can get anywhere from INR 10 Lakhs.
Home loan eligibility meeting

Partnered With The Best Banks & NBFCs

Choose the Best Home Loan from 50+ Trusted Lenders to Suit Your Unique Needs

IndusInd Bank
ICICI Bank
HDFC Bank
IDFC FIRST Bank
InCred
Piramal Finance
Tata Capital
Bajaj Finserv

How to Apply for a Home Loan

Get your loan approvals in 3 instant steps.

Fill A Quick Online Form

Complete a form with your name, phone number, and city.

1

Get Verified

Our system swiftly processes your application and verifies your contact details in seconds.

2

Get Instant Loan Assistance

Receive a call from Doloans Loan Experts within 24 hours.

3
Signing a loan application document

Home Loan in Top Cities

Serving 24+ cities across 15+ states with quick, affordable loans near you. Customised to your needs.

15+ States
24+ Cities
Delhi
DL
Delhi
Mumbai
MU
Mumbai
Pune
PU
Pune
Bangalore
BA
Bangalore
Chennai
CH
Chennai
Gurgaon
GU
Gurgaon
Noida
NO
Noida
Lucknow
LU
Lucknow
Kolkata
KO
Kolkata
Indore
IN
Indore
Bhopal
BH
Bhopal
Jaipur
JA
Jaipur
Coimbatore
CO
Coimbatore
Trivandrum
TR
Trivandrum
Ahmedabad
AH
Ahmedabad
Nagpur
NA
Nagpur
Ghaziabad
GH
Ghaziabad
Dehradun
DE
Dehradun
Vijayawada
VI
Vijayawada
Vadodara
VA
Vadodara
Surat
SU
Surat
Thrissur
TH
Thrissur
Baroda
BR
Baroda
Hyderabad
HY
Hyderabad

Key Benefits and Features of Home Loan

Check all the perks of availing a Home Loan at a glance.

Easy, Hassle-Free Documentation

Apply online with Doloans with minimal paperwork. Keep your ID, income, and address proof handy, and you're ready!

Total Freedom on How You Use It

You can use your Home loan for home renovations, home construction and many more. There are no restrictions, just complete end-user flexibility.

Repay at Your Own Pace

Select a tenure that suits your budget. Enjoy flexible repayment options to upto 30 years, making loan management stress-free.

Lightning-Fast Disbursal

You can receive funds in your account within hours of approval, and this can be even faster if you have a pre-approved Home loan offer. There are no delays, just instant access to your loan.

Availability of Home Loan Balance Transfer

A housing loan allows you to transfer the remaining loan balance from one lender to another. There could be a variety of reasons for this, including interest rates, service fees, an unpleasant customer experience, among others.

Capital Growth:

As per real estate data, the cost of properties has been constantly rising over the last decade. According to analysts, the capital appreciation of the real estate properties is significantly greater as compared to the paid interest amount. It therefore serves as a lucrative opportunity for property owners as now they can sell them for a higher profit.

Factors That Impact Your Home Loan

Your loan EMI depends on the interest rate, which varies based on key Home loan factors such as your credit score, income, loan amount, and repayment history. Understand these elements to secure the best rate for you.

Your income plays a crucial role. Those with higher and more stable incomes are perceived as more capable of repaying and typically receive lower rates. In contrast, individuals with lower incomes or poor financial histories may encounter higher interest rates.
Your credit score reflects your financial history, including debt, income, and repayment habits. A higher credit score indicates strong financial behaviour, often resulting in lower interest rates and better loan terms.
Lenders evaluate your employer's reputation to determine financial stability. Employing a reputable organisation can enhance your credibility, making you eligible for better loan terms and lower interest rates.
A high debt-to-income ratio can adversely affect your Home loan interest rates. Lenders evaluate the portion of your income allocated to existing debts, influencing your eligibility and the offered rates.
A long-term relationship with your lender can lead to preferential interest rates. Lenders are more likely to offer favourable terms if you've been a loyal and responsible customer.
Lenders prefer applicants with a clean record, typically requiring no defaults in the past 12 months for loan approval.

Documents for a Home Loan Application

We ensure a smooth and hassle-free loan disbursal process. Although the paperwork is minimal, the documents required differ for salaried, self-employed, and pensioner applicants.

Documents for Salaried Employees
  • Aadhaar Card
  • PAN Card
  • Voter ID
  • Passport
  • Driving License
  • Utility Bill (Electricity/Water/Gas)
  • Aadhaar Card
  • Passport
  • Rental Agreement
  • Last 3-6 month's salary slips
  • Latest Form 16 or Income Tax Return (ITR)
  • Bank statements for the last 3–6 months showing salary credit
  • Employee ID card
  • Offer Letter / Appointment Letter (in some cases)
Documents for Self-Employed Individuals
  • Aadhaar Card
  • PAN Card
  • Voter ID
  • Passport
  • Driving License
  • Utility Bill (Electricity/Water/Gas)
  • Aadhaar Card
  • Passport
  • Office Lease Agreement
  • ITR for the last 2-3 years
  • Balance Sheet and Profit & Loss Statement (audited, if applicable)
  • Bank statements for the last 6-12 months
  • Business Registration Certificate
  • GST Registration
  • Trade License
  • Partnership Deed or MOA/AOA (if applicable)
Documents for Pensioners
  • Aadhaar Card
  • PAN Card
  • Voter ID
  • Passport
  • Driving License
  • Aadhaar Card
  • Utility Bill
  • Passport
  • Pensioner's ID card
  • Pension Payment Order (PPO)
  • Bank statements showing pension credit (last 3-6 months)
  • Form 16 (if applicable)

Expert Guidance for Every
Home Loan Questions

Have questions about Home loans? Find everything you need to know, from refinancing options to interest-saving tips.

Home loan insurance is not mandatory by law, but experts strongly recommend it. It can protect your family from losing their home during unforeseen events when you are unable to make payments.
You can check home loan eligibility for various banks and financial institutions using Doloans’s Home Loan Eligibility Calculator by simply entering basic details, such as income, age, and existing liabilities.
A home loan cannot be transferred to another person unless the property ownership is also transferred. In some rare cases, a bank does allow for a home loan transfer in cases of inheritance or legal issues.
Yes, most lenders require property insurance as a condition for approving a home loan. It protects the property against damages due to natural calamities or fire, safeguarding the asset used as collateral.
You can repay your home loan faster by making part-prepayments regularly in lump sums, reducing the principal loan amount significantly, which ultimately leads to a smaller loan tenure.

Disclaimer:

The website may provide information about various loan products, insurance products, credit scores & links to other websites or resources over which urbanmoney.com does not have control as such information & links are received from the Banks, NBFCs, Insurance companies & credit rating agencies. Users of this website acknowledge that urbanmoney.com is providing these information & links only as a convenience, and further agree that urbanmoney.com is not responsible for the veracity of such information. Please note that users are advised to independently verify the information & do other requisite due diligence before making any decision and that urbanmoney.com nor its employees, partners, and associated staff are not accountable for any loss, harm, or damage due to usage of information from this website.  And further that user’s use of links to such external websites are subject to the terms of use and privacy policies located on those sites.

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