Easy & hassle free Home Loan
'Home' is the cozy word which indicates peace of mind!!! At EMI Mantra we believe in letting you peacefully enjoy your dream of owning a home while your finance counselor at EMI Mantra works in the background to fetch you your home loan.
Select the most appealing home loan from your home loan platter !!
Bank Name Rate Of Interest (floating) EMI per lakh MCLR Rates Processing Fee Prepayment Charges Enquire Now !!
ICICI Bank 8.55% - 8.80% Rs.858 - Rs.886 8.40% (1 year MCLR) 0.50% - 1.00% of the loan amount or Rs. 1500/- (Rs. 2000/- for Mumbai, Delhi & Bangalore), whichever is higher + applicable Service Tax & Surcharge Nil Request Details
PNB Housing Finance 8.85% - 11.25% Rs.868 - Rs.881 14.60% (PNBHFR) 0.25% - 0.5% of the loan amount Nil Request Details
Kotak Bank 8.80% Rs.884 8.6% (6 months) Upto 1.25% of the loan amount Nil Request Details
AXIS Bank 8.50% - 8.70% Rs.858 - Rs.884 8.5% (6 months) Upto 1% of the Loan amount subject to minimum of Rs.10,000/- Nil Request Details
State Bank Of India 8.45% - 9.20% Rs.858 - Rs.868 8.25% (1 year) 0.35% of Loan Amount ( Min Rs 2,000/- to Max 10,000/-) Nil Request Details
HDFC 8.50% - 9.15% Rs.858 - Rs.871 16.45% (RPLR ) Up to 1.25% of the loan amount or ₹ 3,000 whichever is higher, plus applicable taxes Nil Request Details
LIC Housing Finance 8.35% - 8.80% Rs.858 - Rs.886 14.30% (LHPLR) NIL Nil Request Details
Bank of Baroda 8.35% - 8.55% Rs.858 - Rs.871 0.0835 Upto Rs.50 lacs 0.5 % of loan amount (min Rs.7500 & Rs.12500) + service tax
Above Rs.50 lacs 0.25% of loan amount(min Rs.7500 & Rs.20000) + service tax
Nil Request Details
DHFL 8.35% Rs.858 Rs.5,000 to Rs.20000 + document charges + Service Tax Nil Request Details
IDBI 8.35% - 8.40% Rs.858 - Rs.861 0.088 NIL Nil Request Details
Union Bank of India 8.75% - 8.80% Rs.884 - Rs.887 0.085 NIL Nil Request Details
Bank of India 8.65% - 8.70% Rs.877 - Rs.881 0.085 0.25% of loan amount Min.Rs.1,000 and Max. Rs.20,000/- Nil Request Details
Indiabulls Housing Finance Limited 8.35% - 8.80% Rs.858 - Rs.886 Upto 28 lacs = Rs.7500 - Rs.10000
28 lacs - 1.5 Cr = Rs. 10000 - 0.5%
1.5 Cr - 3 Cr = Rs. 25000 - 0.5
Above 3 Cr - 0.5% - 1%
Nil Request Details
Corporation Bank 8.85% Rs.890 0.0875 Nil Request Details
L&T Housing Finance 9.65% - 10.25% (for Salaried/ SEP) 9.65%-10.50%(SENP) Rs.942 - Rs.982 (for Salaried/ SEP) Rs.942 - Rs.998(SENP) 0.25% -1%OR Rs.10000 which ever is higher +ST, subject to customer profile Nil Request Details
United Bank of India 8.80% Rs.887 0.088 NIL Nil Request Details
Tata capital Housing Finance ltd 8.65%(For Women) - 8.90%(For Others) Rs.877(For Women) - Rs.893(For Others) 0.20% - 0.25% of the loan amount + Service tax Nil Request Details
Shubham Housing Development Finance Company 12%-14%(For Salaried) - 15%-17%(For Self-employed) Rs.1101-Rs.1244(For Salaried) - Rs.1317-Rs.1466(For Self-employed) Upto 3 Lacs - Rs 9500 + ST
3 to 6 Lacs - Rs 13500 + ST
Loan above 6 lacs - Rs. 13,500 + 3% of the loan amount over and above 6 lacs + Service Tax
Nil Request Details
HSBC Bank 8.85% Rs.890 0.08 1% of the loan amount applied for, subject to a minimum of Rs 10000 plus service tax. This fee is payable on application and is not refundable Nil Request Details
Indian Bank 8.60% Rs.874 0.086 0.25% of loan amount with a maximum of Rs.20,000 Nil Request Details
Deutsche Bank 10.50% Rs.998 0.0935 12000 + Service Tax Nil Request Details
Standard Chartered 9.35% Rs.922 0.0895 0.5 % - 1.50% Nil Request Details
Federal Bank 9.57% - 9.82% Rs.937 - Rs.953 0.0895 0.50% of the limit sanctioned with a minimum of 3,000+ST, maximum of 7,500+ST Nil Request Details
Allahabad Bank 8.85% Rs.890 0.086 NIL Nil Request Details
Central Bank of India 8.50% Rs.868 0.085 Rs.20000/- or .50% of loan amount subject to maximum Nil Request Details
UCO Bank 8.75% - 8.90% Rs.884 - Rs.893 0.086 Nil Request Details
Canara Bank 8.65% - 8.75% Rs.877 - Rs.884 0.0845 Nil Request Details
Dena Bank 8.55% - 8.80% Rs.871 - Rs.886 0.086 0.50% of sanctioned limit Nil Request Details
Vijaya Bank 8.90% Rs.893 0.0865 NIL Nil Request Details
Syndicate Bank 8.75% Rs.884 0.0875 Min. Rs.500/- & Maximum up to Rs.5000/- Nil Request Details
Citibank 8.60% - 8.85% Rs.874 - Rs.890 0.0805 Rs. 5000 (Application fee) Nil Request Details
Oriental Bank of Commerce 8.60% - 8.70% Rs.874 - Rs.881 0.086 NIL Nil Request Details
Indian Overseas Bank 8.65% - 8.90% Rs.877 - Rs.893 0.0865 A flat rate of 0.58% of the loan amount- maximum of Rs. 10,190/- There is no hidden charge. This is subject to change from time to time without prior intimation. Nil Request Details
Punjab National Bank 8.65% - 8.75% Rs.877 - Rs.884 0.0845 NIL Nil Request Details
Development Credit Bank 10.60% Rs.1005 0.0998 0.01 Nil Request Details
State Bank of Travancore 9.20% - 9.45% Rs.913 - Rs.929 0.096 upto Rs.25,000 - Nil
Rs.25,000 above to Rs.2 lacs - Rs.500/-
Rs.2 lacs above- 0.50% of the loan amount maximum Rs.10000/-
Nil Request Details
Bank of Maharashtra 8.75% - 8.85% Rs.884 - Rs.890 0.0875 0.25% of the loan amount (subject to maximum of Rs.25000/-) Nil Request Details
Dhanalakshmi Bank 10.35% - 10.60% Rs.988 - Rs.1005 0.101 1.00 % of loan amount + service tax (subject to minimum of Rs. 10,000 + service tax) Nil Request Details
Andhra Bank 9.50% - 9.70% Rs.932 - Rs.945 0.0865 0.50% of the loan amount or maximum of Rs.10,000 + service tax Nil Request Details
DHFL Vyasa Housing Finance 9.75% - 10.25% Rs.945 - Rs.982 1% of the loan amount Nil Request Details
GIC Housing Finance 10.25% Rs.982 Rs.2500 + service tax Nil Request Details
Gruh Finance Limited 9.75% - 15.25% Rs.949 - Rs.1335 Up to 1% of the loan amount Nil Request Details
India Infoline Housing Finance Ltd. 9.55% - 10.50% Rs.935 - Rs.998 Up to 1% of the home loan Nil Request Details
Karnataka Bank 9.50% - 9.75% Rs.932 - Rs.949 0.0815 0.25% with a minimum of Rs.250 Nil Request Details
Sundaram BNP Paribas Home Finance Ltd. 9.80% - 11.05% Rs.952 - Rs.1036 Up to 0.75% of the loan amount or maximum of Rs.5,000 + taxes Nil Request Details
National Trust Housing Finance Ltd. 14% - 16.50% Rs.1244 - Rs.1429 2% of the loan amount or maximum of Rs.5,000 + taxes Nil Request Details
Orange City Housing Ltd. 14.00% Rs.1244 1% of the loan amount + taxes Nil Request Details
Reliance Home Finance Private Ltd. 10.60% Rs.1005 1% of the loan amount + taxes Nil Request Details
Repco Home Finance Ltd. 9.60% Rs.939 Up to 1% of the loan amount + taxes Nil Request Details
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What is eligibility for home loan?
'Eligibility' is a criteria that has been standardised by lenders to evaluate ability of a customer to qualify for a loan scheme.
Who is eligible for home loan?
♦ Salaried Individual in permanent service in the Government or reputed companies.
♦ Applicants should be above 21 years of age at the time of loan commencement and up to the age of 60 or superannuation, whichever is earlier at the time of loan maturity.
♦ Professionals (i.e., doctors, engineers, dentists, architects, chartered accountants, cost accountants, company secretary, management consultants only) should be above 21 years of age at the time of loan commencement and up to 65 years or less at the time of loan maturity meet our housing loan criteria.
♦ Self Employed individuals filing income tax returns should be above 21 years of age at the time of loan commencement and up to 65 years or less at the time of loan maturity.
Need home loan more than your eligibility?
Here are just a few simple ways to increase your home loan eligibility
Close your existing loans including credit card outstanding amount and personal loans.
Monitor and include your variable pay and perks in your income.
Include a co-applicant to drastically increase your eligibility.
Lease your property which might be sitting idle in order to include the rental income in your income.
Increase the tenure of the home loan to increase the eligibility.
Check out your CIBIL score. Better CIBIL score better eligibility. Clear your CIBIL score before you apply for home loan.
Documentation requirement for home loan.
♦ Applicant and co-applicants passport-size photograph
♦ Proof of Identity and age – Adhar Card / Pan Card / Passport / Driving License/ Voter's ID/
♦ Residence proof – Property Tax of last financial year / Electricity bill/ Telephone bill / Registered lease Agreement with a utility bill in the name of landlord/Others
♦ Bank statement – Bank statement of last 6 months
♦ Occupation document – Salary Slips (last 3 months) / Business documents
♦ Form 16 / Income tax returns
♦ Proof of business existence & Business profile (for self employed non professional)
♦ Other Document as per bank requirement if any will be informed during application processing