Home Loan in India —
Best Rates, Zero Fee
From purchase to construction to balance transfer — we compare 20+ banks and HFCs to find the lowest rate for your profile. No upfront fee. No hidden charges.
Home Loan Products We Arrange
Home Purchase Loan
Buy a ready-to-move or under-construction property
From 8.35% p.a.
Home Construction Loan
Build on a plot you already own
From 8.5% p.a.
Home Improvement Loan
Renovate, extend, or repair your existing home
From 8.75% p.a.
Plot + Construction Loan
Buy a plot and construct simultaneously
From 8.6% p.a.
Balance Transfer
Move your existing home loan to a lower-rate lender
From 8.35% p.a.
Top-Up Loan
Additional loan over your existing home loan
From 8.75% p.a.
*Rates are indicative. Final rate depends on lender, profile, and property.
Eligibility Criteria
- Age: 21–65 years (at loan maturity)
- Salaried: Minimum 2 years of employment, 1 year with current employer
- Self-employed: Minimum 3 years of business vintage with ITR proof
- CIBIL score 700+ for best rates
- Minimum net monthly income: ₹25,000 (varies by city and lender)
- Property must be legally clear with approved building plan
Documents Required
Identity & Address
- Aadhaar Card
- PAN Card
- Passport / Voter ID (any one)
Income (Salaried)
- Last 3 months salary slips
- Last 6 months bank statement
- Form 16 / ITR last 2 years
- Employment letter
Income (Self-Employed)
- Last 2 years ITR with computation
- Last 12 months bank statement
- Business registration proof
- Audited financials
Property
- Sale agreement / allotment letter
- Title deed / chain of documents
- Approved building plan
- Property tax receipt
How We Help You Get Approved
Eligibility Check
Share income and property details. We calculate your loan eligibility in minutes.
Lender Comparison
We compare rates, processing fees, and terms from 20+ home loan lenders.
Document Collection
Precise checklist. We guide you on every document — no unnecessary paperwork.
Application & Legal
We submit the application and coordinate with the lender's legal and technical team.
Sanction & Disbursement
Loan sanctioned. Amount disbursed directly to the builder or seller.
Frequently Asked Questions
What is the maximum home loan amount I can get?
Up to 90% of the property value for loans up to ₹30 L, 80% for ₹30–75 L, and 75% for loans above ₹75 L. Final amount depends on your income and repayment capacity.
What is the maximum tenure for a home loan?
Up to 30 years, subject to the borrower's age at loan maturity not exceeding 65–70 years.
Can I get a home loan with a low CIBIL score?
Scores below 700 make approval difficult with banks. Some HFCs and NBFCs consider scores of 650+ with strong income proof. We help you identify the right lender.
What tax benefits are available on a home loan?
Principal repayment: up to ₹1.5 L deduction under Section 80C. Interest: up to ₹2 L under Section 24(b) for self-occupied property.
Does KOSHVI charge any fee for home loan assistance?
Zero fee to you. We earn a referral from the lender after disbursement.
Find Your Best Home Loan Rate
Zero fee · 20+ lenders · Free eligibility check