Funding & Capital · Home Financing

Own your home sooner than you think.

Home Loan Advisory -
Low Rates, Fast Approval,
Expert CA Support

Delhi & Gurugram All Banks & NBFCs Tax Benefits Guidance

A home loan is one of the largest financial decisions you'll make. We help you compare lenders, prepare documents, improve eligibility, and maximise tax benefits - so you get the best rate with the least stress.

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Home Loan EMI Estimator

Loan Amount ₹40 Lakhs

Tenure 20 Years

Interest Rate 8.5% p.a.

₹34,830

Monthly EMI

₹43.6L

Total Interest

₹83.6L

Total Payment

Principal vs Interest breakdown

Principal 48% Interest 52%

💡 Save up to ₹1,95,000/yr in tax - ₹1.5L under Sec 80C (principal) + ₹2L under Sec 24(b) (interest)

What Is a Home Loan?

Borrow today, own your home now

A home loan is money you borrow from a bank or NBFC to buy or build a house. You repay it in monthly installments (EMIs) that include both principal and interest, typically over 10–30 years.

Instead of waiting years to save the full amount, a home loan lets you become a homeowner today - then repay gradually at a pace that suits your income. It also gives you significant tax benefits, making it one of the most tax-efficient loans available.

For buyers in Delhi and Gurugram, where property values are high, the right home loan structure - rate type, tenure, and lender - can make a difference of several lakhs over the life of the loan.

Illustrative Example - ₹50 Lakh Property

Property Value₹50,00,000

Your Down Payment (20%)₹10,00,000

Loan Required₹40,00,000

Tenure20 Years

Approx. Monthly EMI @ 8.5%₹34,830

How the Process Works

5 stages from application to keys

Stage 01

Check Eligibility & CIBIL Score

Know how much you can borrow based on your income, existing EMIs, and credit score.

Stage 02

Compare Lenders & Rates

Compare banks and NBFCs for rate, processing fee, prepayment terms, and loan-to-value ratio.

Stage 03

Prepare & Submit Documents

Income proofs, ITRs, bank statements, property papers - your CA ensures everything is clean.

Stage 04

Bank Review & Sanction

Lender evaluates your file, does property valuation, and issues a sanction letter.

Stage 05

Disbursal & Possession

Loan amount is disbursed to the seller/builder and you take possession of your property.

Credit Score

What CIBIL score do you need for a home loan?

Your CIBIL score is the single most important number in your home loan application - it determines whether you qualify and what rate you'll get.

CIBIL Score	What It Means	Approval Chances
750 – 900	Excellent - best interest rates available	Very high - most lenders will compete for your business
700 – 749	Good - eligible for most loan products	High - minor rate premium over top-tier applicants
650 – 699	Fair - limited loan offers available	Possible with conditions - higher rate, lower LTV
Below 650	Poor - high rejection risk	Low - work on improving score before applying

Our CA team helps you review your CIBIL report, identify errors, and improve your score before applying.

Loan Eligibility

How much can you borrow based on salary?

Most banks calculate home loan eligibility at 40–50% of monthly income (net of existing EMIs). Here's a rough guide.

₹30,000 / month

₹14–18L

Subject to credit score, existing debts, and lender policy

₹40,000 / month

₹18–25L

CIBIL 700+ strongly recommended for approval at this range

₹60,000 / month

₹28–36L

Eligible for most mid-range properties in Delhi NCR

₹1 Lakh / month

₹48–60L

Strong eligibility - negotiate hard on rate

₹1.5 Lakhs / month

₹72–90L

Consider balance transfer for better rates after 2 years

Self-Employed / Business

ITR-based

Eligibility based on net profit shown in last 2–3 years' ITRs

Why Consult a CA?

Your CA does more than just paperwork

Document Preparation

ITRs, salary slips, bank statements, and income proofs - professionally organised so your file moves through bank credit faster.

Rate & Lender Comparison

We compare banks and NBFCs - interest rates, processing fees, prepayment charges, and LTV ratios - to identify the best fit for your profile.

CIBIL Score Improvement

We review your credit report, identify errors and negative entries, and advise on steps to improve your score before applying.

Tax Benefit Maximisation

We ensure you claim every eligible deduction - Section 80C, 24(b), and 80EEA - to reduce your effective borrowing cost significantly.

₹1.5L

Section 80C

Deduction on principal repayment in a financial year - lowers your taxable income.

₹2.0L

Section 24(b)

Deduction on home loan interest paid - up to ₹2 lakhs per year for a self-occupied property.

Balance Transfer & Takeover

Can you transfer a home loan?

Yes - home loan transfers are possible, and can save significant interest if your current rate is higher than what the market offers.

Balance Transfer to Another Bank

If interest rates have dropped since you took your loan, you can transfer your outstanding balance to another lender offering a lower rate. Even a 0.5% reduction can save lakhs over a 15–20 year tenure.

Lower EMI Reduced Total Interest Better Service Terms

Transferring Loan to Another Person

Transferring a home loan to another borrower is possible - during property resale, inheritance, or between family members - but requires lender approval. The new borrower must meet the bank's eligibility criteria, including CIBIL score and income.

Lender Approval Required New CIBIL Check Property Re-valuation

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Home Loan Advisory -Low Rates, Fast Approval,Expert CA Support