Lowest Interest Rates
Access the lowest home loan rates starting at 8.5% p.a. through our bank comparison process.
Home Loan
Turn a home plan into a clearer finance decision.
Residential property finance across Government Banks, Leading MNC Banks and Private Banks. Best rates from 8.5% p.a., up to 30-year tenure, end-to-end documentation and disbursement support.
- Loan Amount
- ₹20 Lakhs – ₹50 Crore
- Interest Rate
- 8.5% – 12% p.a.
- Tenure
- 5 – 30 Years
- Processing Fee
- 0.5% – 1% of loan amount
About Home Loan
A home loan is one of the largest financial commitments you'll make - choosing the right lender, structure and tenure compounds into lakhs of savings over the term. BankBrick structures Home Loans from ₹20 Lakhs to ₹50 Crore for ready-to-move properties, under-construction flats, plot purchase, builder finance, and high-ticket residential acquisitions. We compare offers across Government Banks, Leading MNC Banks and Private Banks - handling property due diligence, title verification, sanction and disbursement coordination end-to-end.
Key Features
Long Repayment Tenure
Spread your EMI over up to 30 years for the most comfortable monthly repayment schedule.
High Loan-to-Value
Get financing for up to 80-90% of the property value with most of our banking partners.
Tax Benefits
Enjoy tax deductions on principal (Sec 80C) and interest (Sec 24b) on your home loan.
Balance Transfer
Already have a home loan at a high rate? We can help you transfer to a lower-rate lender.
Top-Up Loans
Get additional financing on your existing home loan for home improvement or other needs.
Why Choose BankBrick for Home Loan?
- Rate comparison across Government, MNC and Private Banks
- Complete home loan documentation and CMA-style income packaging
- Property legal opinion and technical valuation coordination
- Zero-fee consultation and eligibility assessment
- Fast-track processing for time-sensitive property deals
- Balance transfer facility for existing home loan holders
Eligibility Criteria
| Age | 21 – 65 years at loan maturity |
|---|---|
| Employment | Salaried or self-employed (both eligible) |
| Minimum Income | ₹25,000/month (salaried); ₹3L/year (self-employed) |
| CIBIL Score | 700 or above (preferred); minimum 650 |
| Property Type | Residential: flat, independent house, villa, plot |
| Loan-to-Value | Up to 90% of property value (for loans below ₹30L) |
Required Documents
- PAN Card + Aadhaar Card
- Last 6 Months Bank Statements
- Last 3 Months Salary Slips (salaried)
- Last 3 Years ITR (self-employed)
- Property Documents (title deed, sale agreement)
- Builder NOC / Approved Plan (under-construction)
- Form 16 (salaried)
- Passport-size Photographs
FAQ
Common Questions, Clear Answers
Have more questions? Our team is here to help. Reach us on WhatsApp or give us a call.
What is the maximum home loan I can get?
BankBrick structures home loans up to ₹50 Crore. The actual loan amount depends on property value, your income (or business cash flow for self-employed), existing obligations, and the bank's loan-to-value norms.
What is the difference between floating and fixed rate home loans?
Floating rates change with market conditions (linked to RLLR or MCLR) and are generally lower initially. Fixed rates remain constant for the entire tenure. We help you understand which is better based on your financial profile.
Can I get a home loan for an under-construction property?
Yes. Home loans for under-construction properties are disbursed in stages based on construction progress. Interest is charged only on the disbursed amount during construction.
What are the tax benefits on a home loan?
You can claim deduction up to ₹1.5L on principal repayment under Section 80C and up to ₹2L on interest paid under Section 24(b) per financial year.
Can I transfer my existing home loan to a lower rate?
Yes. Home loan balance transfer allows you to move your outstanding loan to another bank offering lower rates. BankBrick helps evaluate if the savings justify the switching costs.
Discuss Your Requirements
Discuss Your Requirements