Home purchase loan
Buy a new or resale flat, villa, or independent house from a developer or owner.
From 8.20% p.a.*Up to 30 yrs
OneCasaL
an
anCompare offers from 15+ banks and NBFCs. Check eligibility, EMI and rates in one place — no service fee.
Offers from 15+ banks and NBFCs
Highest sanction value, lowest interest
Quickest sanction across all banks
Plan your EMI on our EMI calculator.
Check your eligibility
Free • We'll call back within 1 business day
15+
Bank & NBFC partners
8.20%
Indicative starting rate*
30 yrs
Maximum tenure
?0
OneCasa service fee
*Indicative; actual rate, sanction, and tenure depend on the lender and your profile.
Home loan types we cover
From buying your first home to switching to a lower rate - one place for every home loan need.
Home construction loan
Build on a plot you already own, with funds released stage-wise as construction progresses.
From 8.30% p.a.*Up to 30 yrs
Plot / land purchase
Finance a residential plot in approved layouts. Construction must usually start within a fixed period.
From 8.50% p.a.*Up to 20 yrs
Plot + construction
A composite loan that funds both buying the plot and constructing your home on it.
From 8.40% p.a.*Up to 30 yrs
Home improvement / renovation
Repaint, repair, modular interiors, electrical or plumbing upgrades on an owned home.
From 8.50% p.a.*Up to 15 yrs
Top-up loan
Get additional funds over your existing home loan for personal or property-related needs.
From 8.60% p.a.*Matches base loan
Balance transfer
Move your existing high-rate home loan to another bank for a lower rate, with optional top-up.
From 8.25% p.a.*Up to 30 yrs
NRI home loan
For Indian passport holders working abroad, to buy or build a home in India.
From 8.40% p.a.*Up to 30 yrs
How it works
Share your details
Fill the eligibility form. We will call you back to understand your need.
Compare and choose
We match you with the best 2 - 3 banks for your profile and property.
Sanction and disburse
We help with documentation and follow up till disbursement - no service fee.
Home loan banking partners
Indicative rates (updated as of April 2026)
Indicative rates from public bank communications; your offer can differ. We do not stream live bank pricing here.
Indian Bank
From 8.20% p.a. onwards
Up to 30 years
SBI Home Loan
From 8.30% p.a. onwards
Up to 30 years
HDFC Bank
From 8.35% p.a. onwards
Up to 30 years
ICICI Bank
From 8.40% p.a. onwards
Up to 30 years
Canara Bank
From 8.25% p.a. onwards
Up to 30 years
Axis Bank
From 8.30% p.a. onwards
Up to 30 years
Karur Vysya Bank
From 8.45% p.a. onwards
Up to 30 years
LIC Housing Finance
From 8.35% p.a. onwards
Up to 30 years
Eligibility criteria
Indicative checklist used by most banks. Final eligibility depends on your credit score, FOIR, and the property.
Salaried applicants
Age at application
21 - 60 years
Minimum monthly income
?25,000+ (varies by city)
Work experience
Min 1 year, 6 months in current job
Loan-to-value
Up to 90% of property value
Co-applicant
Spouse / parent / earning child can be added
Documents required
Keep these ready to get your sanction faster. Banks may ask for extra KYC, NOC, or tax documents based on your profile.
Identity & address
- PAN card (mandatory)
- Aadhaar card
- Passport / Voter ID / Driving licence (any one as address proof)
Income
- Last 3 months salary slips
- Last 6 months bank statement of salary account
- Latest Form 16 / 2 years ITR if available
Property
- Sale agreement / allotment letter / draft sale deed
- Approved plan (if construction)
- Property tax receipt / khata (for resale)
Loan calculators
Plan your EMI, check your eligibility, and see how a small prepayment can save you lakhs in interest.
₹50.00 L
₹1.00 L₹5.00 Cr
20 yrs
130
8.5 % p.a.
618
Monthly EMI
₹43,391
Principal
₹50.00 L
Total interest
₹54.14 L
Total payable
₹1,04,13,879
Principal
48%
Monthly EMI₹43,391
Principal₹50,00,000
Total interest₹54,13,879
Total payable₹1,04,13,879
Estimates use the standard reducing-balance formula. Actual EMI, fees, and sanction depend on the bank and your profile.
Fees and charges
Indicative ranges across major lenders. Exact figures are disclosed in the bank's sanction letter.
| Charge | Typical range |
|---|---|
| Processing fee | 0.25% - 1% of loan amount Often capped (e.g. ?10,000 - ?50,000) and waived during campaigns. |
| Legal & technical charges | ?3,000 - ?10,000 For property title check and valuation. |
| Stamp duty on loan agreement | As per state Recovered at-actuals; varies by state. |
| Prepayment / foreclosure | Nil on floating rate (individuals) RBI rule for individual borrowers; fixed-rate loans may have a charge. |
| Late EMI penalty | 2% per month on overdue Bank-specific; impacts credit score if recurring. |
| EMI bounce charge | ?500 - ?750 per bounce Plus your bank's NACH charges. |
Tax benefits on a home loan
Reduce your taxable income with deductions on principal and interest - subject to your tax regime and conditions.
Sec 80C
Principal repayment
Up to ?1.5 lakh / year
The principal you repay on a home loan can be claimed under the overall ?1.5 lakh 80C limit (along with PF, ELSS, etc.).
Sec 24(b)
Interest on home loan
Up to ?2 lakh / year
Interest paid on a self-occupied home loan is deductible up to ?2 lakh; for let-out property, the full interest is allowed (with set-off cap).
Sec 80EE / 80EEA
Extra benefit for first-time buyers
Additional ?50k / ?1.5 lakh
First-time buyers may claim an extra deduction on interest, subject to property value, sanction date, and other conditions.
Joint loan
Each co-borrower can claim
Independent 80C + 24(b) limits
If both spouses are co-borrowers and co-owners, each can claim 80C and 24(b) on their share, effectively doubling the benefit.
Tax laws change. Confirm with your CA or refer to the latest Income Tax Act provisions before filing.
Tips to improve your eligibility
Small course corrections in the months before applying can unlock a larger loan and a lower rate.
Maintain a 750+ CIBIL score
Pay credit card bills in full, do not miss EMIs, and avoid frequent loan applications in the months before applying.
Keep total EMIs under 50% of income
Banks calculate FOIR (Fixed Obligations to Income Ratio). Lower existing EMIs improve eligibility instantly.
Add an earning co-applicant
Adding a spouse, parent or earning child as co-applicant increases sanction amount and tax benefits.
Pick a longer tenure for higher eligibility
A longer tenure reduces EMI and increases the sanctioned amount; you can prepay later when income grows.
Choose RERA-approved properties
RERA-registered, clean-title properties get faster sanctions and better LTV than under-litigation projects.
Keep documents ready
Have PAN, Aadhaar, salary slips, bank statements, ITR and property papers in one folder before you apply.
TestimonialsWords of Appreciation
Rakesh M.
OneCasa got me 3 bank offers in 48 hours and helped me pick ...
Priya S.
First-time buyer here. The team explained eligibility, docum...
Ready to get the lowest home loan rate?
Talk to a OneCasa loan expert. We compare offers from 15+ banks, hold your hand through documentation, and never charge you a service fee.
Home loan FAQs
What is a home loan and how does OneCasa help?
A home loan is a long-term, secured loan that lets you buy, build, renovate or refinance a home, with the property pledged as collateral. OneCasa helps you compare offers from 15+ partner banks and NBFCs, understand eligibility honestly, and complete documentation - we do not charge a service fee.
What types of home loans can I apply for through OneCasa?
Home purchase, construction on owned plot, plot purchase, plot + construction, home improvement / renovation, top-up over an existing loan, balance transfer to a lower-rate bank, and NRI home loans for Indian passport holders working abroad.
What are the typical eligibility requirements?
Salaried applicants usually need to be 21 - 60 years, with at least 1 year of work experience and 6 months in the current job. Self-employed applicants typically need 3 years of stable income with ITRs. NRIs need a valid passport, work permit, and POA holder in India. Final eligibility depends on income, FOIR, credit score, and the property.
What is the maximum loan amount and tenure I can get?
Banks typically fund up to 90% of property value for ticket sizes up to ?30 lakh, 80% between ?30 - 75 lakh, and 75% above ?75 lakh, subject to FOIR and credit profile. Tenure can go up to 30 years, but is capped by the applicant's age at loan maturity (commonly 60 - 70 years).
What documents are needed for a home loan?
At a minimum: PAN, Aadhaar, address proof, latest 3 months salary slips (or 2 - 3 years ITR for self-employed), 6 - 12 months bank statements, and the property documents (sale agreement, approved plan, title chain). NRIs additionally submit passport with valid visa and a POA in favour of a resident.
Should I choose a fixed or floating interest rate?
Floating rates move with the bank's repo-linked benchmark (RLLR/EBLR) and are usually cheaper over a long tenure. Fixed rates lock your EMI but are typically higher. For a 20+ year home loan, most borrowers choose floating; consider fixed only if you expect rates to rise sharply or want EMI certainty.
What fees and charges are involved?
Processing fee (0.25% - 1%, often capped), legal and technical charges (?3,000 - ?10,000), stamp duty on the loan agreement (state-specific), and at-actuals charges for valuation. As per RBI, individual borrowers do not pay foreclosure / part-payment charges on floating-rate home loans.
What tax benefits are available on a home loan?
Under Sec 80C you can claim up to ?1.5 lakh of principal repayment. Under Sec 24(b) you can claim up to ?2 lakh of interest on a self-occupied property. First-time buyers may also claim Sec 80EE / 80EEA. In a joint loan, each co-borrower who is also a co-owner can claim these limits independently.
Can I prepay or foreclose my home loan early?
Yes. For individual borrowers on a floating rate, RBI does not allow banks to charge foreclosure or part-prepayment fees. Prepayment shortens tenure (preferred) or reduces EMI; ask the bank to issue a fresh amortisation schedule after every prepayment.
What is a balance transfer and when does it make sense?
Balance transfer means moving your existing home loan to a new bank that offers a lower rate. It usually makes sense when the rate difference is at least 0.5% and you have many years of tenure left. Factor in processing fee, legal charges, and time effort before switching.
How does my CIBIL score affect the home loan?
A 750+ CIBIL score gets you the lowest advertised rate and the highest sanction. Scores below 700 can lead to higher rates, lower LTV, or rejection. Pay credit card bills in full, avoid missed EMIs, and limit fresh loan applications for 6 months before applying.
Does OneCasa pull my CIBIL score from the bureau?
No. The 'CIBIL range' field on this page is self-reported only and helps us guide you to the right lenders. The actual bureau pull happens by the bank during the formal application, with your consent.