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The keys to your own home, sooner
Buy, build or renovate with home loans at competitive rates, up to 90% of the property value and tenures of up to 30 years.
Why take your home loan through Credsey
Compare home loan interest rates from leading banks and housing finance companies. Up to 90% funding, tenure up to 30 years and doorstep support from Credsey.
- Tax benefits under Sections 24(b) and 80C
- Balance transfer with top-up option
- Loans for purchase, construction and renovation
- Doorstep document pickup and legal support
Home Loan EMI calculator
Move the sliders to see your monthly EMI, the total interest and the full amount you'll repay. Then apply with the same numbers in one click.
- EMI = P × r × (1+r)n / ((1+r)n − 1)
- P is the loan amount, r the monthly rate, n the number of months
- Pay more upfront or choose a shorter tenure to cut total interest
Calculate your EMI
Full scheduleYour monthly EMI
₹0
- Principal
- –
- Interest
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- Total payable
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Indicative figures. Final rate depends on the lender and your profile.
Eligibility
- Salaried or self-employed Indian residents and NRIs
- Age between 21 and 65 years at loan maturity
- Stable income with a clean repayment history
- Credit score of 725 or higher preferred
Criteria vary by lender. An advisor will confirm what applies to you.
Documents required
- KYC: PAN, Aadhaar, address proof
- Income proof: salary slips / ITR
- 6 months' bank statements
- Property papers and sale agreement
How much home loan can I get?
Lenders usually fund up to 75–90% of the property value, depending on the loan amount, and cap your EMI at about 50% of your net income.
Fixed or floating rate — which is better?
Most home loans in India are floating and linked to the repo rate, so they fall when rates fall. Fixed rates offer certainty but are usually higher.
Can I transfer my existing home loan?
Yes. A balance transfer can lower your rate and also offer a top-up loan. Use our balance-transfer calculator to see the savings.