Reason to Choose us

We offer award-winning, low-rate loans with no ongoing fees, saving our customers thousands of rupees.

Easy Loan Approvals

Experience quick, easy, and hassle-free digital loan approval with new generation Loan 2.0 and get your loan approved within minutes!

Lowest Possible Interest Rates

Compare the lowest loans interest rate starting from 6.65% p.a. and apply for the best home and personal loans.

Hassle free

Hassle-free documentation with maximum flexibility and totally digital process and approval.

Secure Loan Processs

All your data is secured and we dont share your data with others.

Customer Reviews

When Customers feel special then they write special, here we share best reviews & testimonials

"I got an offer for Mortgage loan from Home credit. I used the loan for investment and the loan was sanctioned on time. The tenure of the loan were 15 years. But an interest rate was a little high which is 11%. The overall experience with the personal loan were fine."

Rajesh N(Kukatpally)

"I have taken home loan directly through SBI. The rate of interest was nominal and this loan is still active .Everything was good to me when availed this loan .The loan process was clearly shared by the agent . I am really satisfied with the service. Without any hassles got this loan."

Revathi ( Abids )

"My home loan was taken from LIC Housing because their processing time and charges are less but interest rate is little bit high when i compared to other Government banks. They have taken 1 week to sanctioned the loan. Documentation process is as usual like other banks. They have provided me a interest rate of 8.45%."

Narendra ( Secunderabad)

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How is my loan eligibility calculated?

Loan eligibility is dependent on primarily the following factors:

Cumulative net monthly salary of the applicant and co-applicant.
Quantum of loans and credit card outstanding that you already have. Typically a bank will not give a loan if the total EMI obligation (including the current home loan that your are trying to apply for) exceeds 50-60% of your total net take home salary.
Loan to asset Value (LTV) ratio of 75% which means that the customer has to fund the remaining 25% through his savings or any other source.

Can I pay off my loan early? Is pre closure/part payment allowed in Home loans?

Home Loan preclosures are allowed without any extra charges as long as the mode of repayment you have chosen is Floating rate of Interest and not a fixed rate of interest. Regarding part payment, some banks may have a restriction on the number of times you can do a part payment per year and also the amount that can be part paid in a year. Please ask for clarifications to our or the bank's loan advisor on all these factors before signing the loan document.

How long does it take to disburse the Home loan??

We will work with the banks to try and get you the loan within 5 to 15 working days after submitting relevant documents.

How much money do I need to put down?

To get the best rate and terms for your loan, try to put down at least 20 percent of the purchase price. Although a lower down payment won't necessarily disqualify you, there is a chance that a monthly private mortgage insurance (PMI) payment will be added if your down payment is lower than 20 percent. Your down payment will affect other variables as well, such as your interest rate, terms and monthly payments. Ask your lender for more information about the minimum down payment required for your loan and if you might be eligible for any down payment or cost-saving assistance programs, and decide what's right for you.

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