Own your dream home with hassle-free financing
Finance new homes, resale properties, and under-construction projects with competitive rates, long tenures up to 30 years, and end-to-end support — designed for salaried professionals and self-employed borrowers alike.
Your dream home, within reach today
Home Loans help you finance property purchases through structured repayment options — covering new apartments, resale homes, under-construction projects, plots, and luxury properties. Suitable for salaried employees, self-employed professionals, and business owners.
Through Pragati's network of 50+ banks and NBFCs, we compare rates, negotiate LTV ratios, and ensure you get the best possible financing — not just the first offer from the nearest branch.
Key features of our home loans
Finance brand-new developer projects or resale properties — with competitive rates and full legal due diligence support for both categories.
Choose repayment from 5 to 30 years — pick a tenure that keeps your monthly EMI comfortable and manageable within your budget.
Fast processing with end-to-end support — most approvals and sanction letters issued within 7 to 10 business days.
Loans from ₹10 Lakhs to ₹100 Crore — covering up to 125% of the registered property value across all major cities.
Simple paperwork — KYC, income proof, and property documents. We handle coordination with lenders and legal teams.
Compare home loan offers across major banks and NBFCs — getting you the lowest rate and best LTV available for your profile.
Switch your existing home loan to a lower rate lender and reduce your EMI burden — with zero processing hassle handled by our team.
Full fee disclosure before signing. Processing fee, foreclosure terms, and all charges explained upfront — no surprises.
Every home need — we've got it covered
Finance any new or resale residential property — apartment, villa, or independent house. Get up to 125% of registered value financed across our lender network at rates starting from 7.10% p.a.
Building your own home on a plot? Construction loans are disbursed in stages as construction progresses — you pay interest only on the disbursed amount, reducing your initial burden significantly.
Transfer your existing home loan to a lender offering lower rates and reduce your monthly EMI. Add a top-up loan for renovation or other needs — all in a single streamlined process.
How to apply for a home loan
Tell us the property type, approximate value, location, and how much you want to borrow. We assess your profile and shortlist the best lenders within hours.
We review your income, employment stability, CIBIL score, and existing obligations to determine your home loan eligibility and the best rate you qualify for.
We collect your KYC, income documents, and property papers. Our team reviews everything — including legal title checks — before lender submission to avoid rejections.
The lender conducts a legal title check and technical valuation of the property. We coordinate on your behalf to ensure a smooth and timely process.
Once approved, you receive your sanction letter within 7–10 business days. Loan is disbursed directly to the seller or developer — and the keys are yours.
Are you eligible?
- Indian citizen aged 21 to 65 years
- Salaried employee, self-employed professional, or business owner
- Minimum monthly income of ₹30,000
- CIBIL score of 700 or above recommended for best rates
- Minimum 2 years current employment or 3 years business stability
- Clear property title with no legal disputes
- PAN Card + Aadhaar Card (KYC)
- Last 3 months salary slips (salaried) or ITR for last 2 years (self-employed)
- Bank statements for last 6 months
- Address proof (utility bill, passport, or rent agreement)
- Property documents — sale deed, title chain, occupancy certificate
- Approved building plan (for under-construction properties)
- Passport size photographs
- Employment letter or business registration (if applicable)
Interest rates & charges
Home loan rates depend on property type (new/resale/construction), loan amount, tenure, and your credit profile. Salaried borrowers with a CIBIL above 750 attract the most competitive rates starting at 7.10% p.a.
Plan your repayments easily
* EMI is indicative only. Actual EMI may vary based on lender, property type, and credit profile. Contact us for an accurate quote tailored to your property.
