Quick Sanction
Home Loan
Fresh purchase, resale, balance transfer and top-up.
Check EligibilityUpgrade the Way You Choose Loans
5.8 Lacs+
Customers Annually
150+
Cities Covered
587+
Branches
61,000 Cr+
Disbursed Annually
Higher Ticket
Loan Against Property
Residential or commercial, for business or personal use.
Check EligibilityNo Collateral
Personal Loan
Wedding, medical, education or a renovation.
Check Eligibility5.8 Lacs+
Customers Annually
150+
Cities Covered
587+
Branches
61,000 Cr+
Disbursed Annually
Why people come to us
Banking that feels like home.
We are a loan distribution business, not a bank. That means we work for your file — putting it in front of the lenders most likely to say yes, on the best terms they will give.
Community First
Advisors who sit with your file, explain the trade-offs and stay on the case until disbursal.
Transparent Growth
Every rate, fee and condition on the table before you sign — no charges that appear later.
Bank-Grade Security
Your documents move through secured channels and are shared only with the lenders you approve.
Loan Process
Easy. Convenient. Quick.
Four steps from first question to final sanction — with one advisor across all of them.
-
01
Check Eligibility
Share your income, obligations and the property. We tell you what you can realistically borrow.
-
02
Compare Offers
We put the matching lenders side by side — rate, tenure, fees and the fine print that moves your EMI.
-
03
Apply Online
Documents are collected once and submitted digitally. No branch queues, no repeat paperwork.
-
04
Fast Disbursal
We chase the sanction, the valuation and the legal check, and keep you posted until the money lands.
What we finance
Three products. Done properly.
We have deliberately kept the list short so every file gets specialist attention rather than a call-centre script.
Fresh purchase & resale
Home Loan
New, under-construction or a resale that is ready to move into.
- New & under-construction
- Resale & ready-to-move
- Balance transfer with a top-up
Residential or commercial
Loan Against Property
Raise funds against a property you already own, at secured-loan rates.
- Residential or commercial
- Higher ticket, longer tenure
- Business or personal end-use
Unsecured, no collateral
Personal Loan
For what will not wait — a wedding, a medical bill or a renovation.
- No collateral or guarantor
- Minimal documentation
- Salaried & self-employed
Not sure where you stand?
Book 15 minutes with an advisor — before you apply anywhere.
Bring your income, your obligations and the property you have in mind. We will tell you what you can borrow, which lenders fit your profile, and what a rejected application would cost you.
Enter your loan details
Home loan range
Loan Amount
₹ 50,00,000
Interest Rate (per annum)
8.50%
Tenure
20 Years
Processing Fee
1.00%
Extra Monthly Prepayment
₹ 0
This calculator gives an indicative estimate. Actual EMI, loan eligibility, fees and interest rate depend on lender policy, profile, credit score, product type and final sanction terms.
Estimated Monthly EMI
₹ 41,822
For a home loan over 20 years at 8.50% annual interest.
Total Interest
₹ 50,37,277
Total Repayment
₹ 1,00,37,277
Processing Fee
₹ 50,000
Total Outflow
₹ 1,00,87,277
Repayment Split
No prepayment savings applied
Principal: ₹ 50,00,000
Interest: ₹ 50,37,277
Loan Closure Estimate
240 months
Interest Saved
₹ 0
Check estimated eligibility
Indicative bank-style logic
Net Monthly Income
₹ 80,000
Existing Monthly EMIs
₹ 0
Tenure
20 Years
Interest Rate
8.50%
FOIR / EMI Capacity Assumption
50%
FOIR means the share of monthly income that can safely go toward total EMIs. Lenders often vary this by income, profile, occupation, city and credit quality.
Estimated Maximum Loan Eligibility
₹ 0
Based on monthly income, existing EMIs and selected FOIR assumption.
Available EMI Capacity
₹ 0
Annual Income
₹ 0
FOIR Used
50%
Indicative EMI at Limit
₹ 0
Income Utilisation View
Existing EMI vs available capacity
Used / committed EMI
Available for new loan EMI
Loan presets only adjust ranges and default assumptions for easier use. Final lender calculations may also include age, employer profile, bureau score, LTV, down payment, property profile, insurance or internal underwriting filters.
An estimate is not an offer. Send us the same numbers and we will come back with what the lenders on our panel will actually sanction for your profile.
Get My Real NumbersThe Homiz advantage
Why borrowers stay with us.
Scale where it helps you, and a single named advisor where scale would get in the way.
India's #1 Distributor
Scale that gets your file taken seriously.
25 Years of Legacy
A quarter century of lending relationships.
Pan India Presence
150+ cities, 587+ branches to walk into.
One Advisor, End to End
The person who takes your call on day one closes your file.
Top-Tier Lender Panel
Banks and NBFCs compared side by side.
Free CIBIL Check
Know your score before a lender pulls it.
Transparent, Upfront Costs
Rate, processing fee and charges stated before you commit.
EMI Calculator
Model the EMI, the interest and the closure date yourself.
India's Top-Tier Lenders
We are empanelled with the most trusted names in banking.
Top banks for your home loan
Compare interest rates from leading banks and NBFCs.
State Bank of India
Home loan · Fresh purchase
- Interest Rate
- 7.25% – 9.5%
- Loan Amount
- ₹5 L – ₹30 Cr
- EMI per Lakh
- ₹790 – ₹932
- Processing Fee
- ₹15,000 + GST
Punjab National Bank
Home loan · Fee waived
- Interest Rate
- 7.25% – 9.35%
- Loan Amount
- ₹5 L – ₹30 Cr
- EMI per Lakh
- ₹790 – ₹922
- Processing Fee
- Waived
Union Bank of India
Home loan · Salaried
- Interest Rate
- 7.1% – 10.0%
- Loan Amount
- ₹5 L – ₹30 Cr
- EMI per Lakh
- ₹781 – ₹965
- Processing Fee
- ₹17,700 + GST
Central Bank of India
Home loan · Long tenure
- Interest Rate
- 7.2% – 8.7%
- Loan Amount
- ₹5 L – ₹30 Cr
- EMI per Lakh
- ₹787 – ₹881
- Processing Fee
- 0.5% + GST
HDFC Bank
Salaried · Balance transfer
- Interest Rate
- 7.75% – 13.2%
- Loan Amount
- As per eligibility
- EMI per Lakh
- ₹821 – ₹1,186
- Processing Fee
- 0.5% + GST
ICICI Bank
Salaried · Resale purchase
- Interest Rate
- 8.5% – 9.8%
- Loan Amount
- As per eligibility
- EMI per Lakh
- ₹868 – ₹952
- Processing Fee
- 0.5% + GST
Kotak Mahindra Bank
Home loan · Top-up
- Interest Rate
- 7.6% – 9.45%
- Loan Amount
- As per eligibility
- EMI per Lakh
- ₹812 – ₹929
- Processing Fee
- 0.5% + GST
Bajaj Housing Finance
Home loan · Self-employed
- Interest Rate
- 7.49% – 17.0%
- Loan Amount
- As per eligibility
- EMI per Lakh
- ₹805 – ₹1,467
- Processing Fee
- 1% + GST
RBL Bank
Home loan · Salaried
- Interest Rate
- 9.25% – 11.5%
- Loan Amount
- As per eligibility
- EMI per Lakh
- ₹916 – ₹1,066
- Processing Fee
- 1% + GST
Piramal Finance
Self-employed profiles
- Interest Rate
- 9.25% – 13.0%
- Loan Amount
- As per eligibility
- EMI per Lakh
- ₹916 – ₹1,172
- Processing Fee
- 1.5% + GST
SMFG India Credit
Home loan · Personal loan
- Interest Rate
- 10.0% – 11.0%
- Loan Amount
- As per eligibility
- EMI per Lakh
- ₹965 – ₹1,032
- Processing Fee
- 3% + GST
Edelweiss
Edelweiss
Loan against property
- Interest Rate
- On enquiry
- Loan Amount
- On enquiry
- EMI per Lakh
- On enquiry
- Processing Fee
- On enquiry
About these figures
Indicative floating rates for salaried borrowers, September 2026. PSU figures as published on ambak.com; HDFC, ICICI and Kotak from the lenders' own rate pages; the rest from public rate comparisons. EMI per lakh is computed over a 20-year tenure. Interest rates, loan amounts, EMI per lakh and processing fees change frequently and differ by profile, credit score, property and product — the rate you are offered is decided by the lender, not by this page. Lenders shown as On enquiry are quoted on request.
Help centre
Common queries.
The questions we are asked most about home loans, loans against property and personal loans.
Still not sure which product fits?
Tell us the property and your income, and an advisor will tell you what you can borrow — before you apply anywhere.
What is the difference between a home loan for a fresh purchase and one for a resale?
The product is the same; the diligence differs. A fresh purchase is assessed against the project's approvals, so sanction is usually quicker. A resale needs the seller's chain of title and a fresh valuation, which adds a few steps. We handle both.
How much home loan can I actually get?
Lenders give you the lower of two ceilings: what your income can service after existing EMIs, and a percentage of the property's assessed value. An eligibility check with us takes minutes and does not affect your credit score.
How is a loan against property different from a home loan?
A home loan buys a property; a loan against property raises money against one you already own, for business or personal use. It is secured, so the rate is well below an unsecured loan — but your property is the collateral.
Do I need collateral or a guarantor for a personal loan?
No. It is unsecured, so there is nothing to pledge. Approval rests on your income, credit history and existing obligations — which is also why the rate is higher.
What documents will I need?
Identity and address proof, PAN, and income proof — payslips and bank statements, or ITRs if self-employed. Home loans and loans against property also need the property papers. We send one checklist and collect everything once.
What does Homiz Capital charge me?
Nothing for our advice, comparison and application support — we are paid by the lender on a disbursed file. Lender charges such as processing fees and valuation are shown to you before you apply.
Does checking my eligibility affect my credit score?
No. A hard enquiry is only raised when a formal application goes to a lender, and we do that only after you have chosen an offer.
How long does sanction take?
Personal loans are fastest, as there is no property to assess. Home loans and loans against property add valuation and legal checks. We give you a realistic timeline for your own case at the eligibility stage.