Fast Approval · Best Rates · Zero Hassle
Your Dream Home,
Financed with Ease
Get the best home loan rates from 25+ leading banks and NBFCs — with doorstep service, instant eligibility checks, and end-to-end support from application to disbursement.
🏠 Home Loan
🏗️ Construction Loan
🌍 Plot Loan
💼 Loan Against Property
🔄 Balance Transfer
Check Your Loan Eligibility
Get an instant eligibility estimate — no credit score impact
🔒 Your data is 100% safe. We never share without your consent.
🏦
Best Home Loan Rates
Starting from 8.35% p.a.
25+
Bank Partners
₹500 Cr+
Loans Disbursed
48 hrs
Approval Time
8.35%
Lowest Rate p.a.
✦ Home Loans from 8.35% p.a.
✦ 25+ Bank & NBFC Partners
✦ Approval in 48 Hours
✦ Doorstep Service
✦ Zero Processing Fee Offers
✦ NRI Loans Available
✦ Balance Transfer Support
✦ 100% Paperless Process
✦ Home Loans from 8.35% p.a.
✦ 25+ Bank & NBFC Partners
✦ Approval in 48 Hours
✦ Doorstep Service
✦ Zero Processing Fee Offers
✦ NRI Loans Available
✦ Balance Transfer Support
✦ 100% Paperless Process
₹0 Cr+
Loans Disbursed
0+
Bank Partners
0+
Happy Borrowers
0 hrs
Avg. Approval Time
Loan Products
Every Loan You Need — Under One Roof
Whether you're buying, building, or refinancing — we have the right loan product and the right lender for your situation.
Most Popular
🏠
Home Purchase Loan
Finance your dream home — ready-to-move or under-construction — from
leading banks at the lowest rates.
Interest Rate from
8.35% p.a.
Up to 90% of property value financed
Tenure up to 30 years
Floating & fixed rate options
PMAY subsidy eligible (up to ₹2.67 Lac)
Joint loan option for higher eligibility
Construction
🏗️
Home Construction Loan
Building on your own plot? Get funds disbursed in tranches as
construction progresses — pay interest only on disbursed amount.
Interest Rate from
8.50% p.a.
Disbursed in construction stages
Pay EMI only on disbursed amount
Plot + construction combined loan available
Approved for self-construction plans
Engineer site inspection support
Plot Purchase
🌍
Plot / Land Loan
Buy a residential plot in an approved layout from NIDA, Nagar Palika,
or Development Authority with easy financing.
Interest Rate from
8.75% p.a.
Up to 80% of plot value financed
Tenure up to 15 years
Approved layouts & registered plots
Combine with construction loan later
LAP
💼
Loan Against Property
Unlock the value of your existing property for business expansion,
education, medical expenses, or any personal need.
Interest Rate from
9.00% p.a.
Up to 65% of property market value
Residential & commercial property accepted
Balance transfer facility available
End-use flexibility — any purpose
Balance Transfer
🔄
Balance Transfer & Top-Up
Reduce your monthly EMI by switching your existing home loan to a
lower interest rate lender — with top-up funds available.
Save up to
₹8 Lac+
Switch to rates as low as 8.35%
Top-up loan up to ₹50 Lac extra
Minimal documentation required
No foreclosure charges on floating loans
Special
🌏
NRI Home Loan
Non-Resident Indians can invest in India's booming real estate market
with hassle-free NRI home loan solutions.
Interest Rate from
8.50% p.a.
NRI / PIO / OCI eligible
Repayment from NRO / NRE account
Power of attorney supported
Online application from abroad
EMI Calculator
Calculate Your Monthly EMI
Instantly plan your finances — see your monthly EMI, total interest, and total payment across different tenures.
Loan Parameters
Live Calculation
Home Loan
Construction
Plot
LAP
Loan Amount
₹50 L
₹5 L₹10 Cr
Interest Rate
8.50% p.a.
7.00%15.00%
Loan Tenure
20 Years
1 Year30 Years
Monthly EMI
₹ —
Configure loan and calculate
Principal Amount—
Total Interest Payable—
Total Amount Payable—
Processing Fee (est. 0.5%)—
—
Interest %
Principal—
Interest—
Compare Tenures
Eligibility & Documents
Who Can Apply & What You Need
Simple eligibility criteria and a minimal document checklist — we make the process as smooth as possible.
💼
Salaried Employees
Government, PSU, Private sector
Min. Age21 years
Max. Age at Maturity70 years
Min. Monthly Income₹25,000 net
Min. Work Experience2 years (1 yr current job)
Min. CIBIL Score700+
Max. Loan-to-Income RatioUp to 60% of net income
🏪
Self-Employed (Business & Professional)
Doctors, CAs, Businesspersons
Min. Age23 years
Business Vintage3+ years in same line
Min. Annual Income (ITR)₹3 Lac per annum
Min. CIBIL Score700+
Business ProofTrade licence, GST, ITR
📋 KYC & Identity Documents
Aadhaar Card
PAN Card
Passport-size Photographs (3)
Passport / Voter ID (alternate ID)
💰 Income & Financial Documents
Last 3 months salary slips (salaried)
Last 2 years ITR with computation
Last 6 months bank statements
Form 16 (salaried) / CA Balance Sheet (SE)
Investment proof — FD, MF, Shares
🏠 Property Documents
Sale deed / agreement to sell
Approved building plan (construction loans)
NOC from builder / society
Property tax receipts (latest)
Chain of title documents (if resale)
Our Bank Partners
25+ Leading Banks & NBFCs
We work with India's most trusted lenders to bring you the best rates, flexible terms, and fastest approvals.
🏦
SBI
from 8.40%
🏦
HDFC Bank
from 8.35%
🏦
ICICI Bank
from 8.75%
🏦
Axis Bank
from 8.75%
🏦
Bank of Baroda
from 8.40%
🏦
Kotak Mahindra
from 8.65%
🏦
PNB Housing
from 8.50%
🏦
LIC Housing
from 8.50%
🏦
Union Bank
from 8.35%
🏦
SBI
from 8.40%
🏦
HDFC Bank
from 8.35%
🏦
ICICI Bank
from 8.75%
🏦
Axis Bank
from 8.75%
🏦
Bank of Baroda
from 8.40%
🏦
Kotak Mahindra
from 8.65%
🏦
PNB Housing
from 8.50%
🏦
LIC Housing
from 8.50%
🏦
Union Bank
from 8.35%
🏦
Canara Bank
from 8.40%
🏦
Yes Bank
from 9.00%
🏦
BAJAJ Housing
from 8.50%
🏦
TATA Capital
from 8.75%
🏦
Aditya Birla
from 8.65%
🏦
GIC Housing
from 8.60%
🏦
Indiabulls HF
from 8.75%
🏦
Repco Home
from 8.85%
🏦
Canara Bank
from 8.40%
🏦
Yes Bank
from 9.00%
🏦
BAJAJ Housing
from 8.50%
🏦
TATA Capital
from 8.75%
🏦
Aditya Birla
from 8.65%
🏦
GIC Housing
from 8.60%
🏦
Indiabulls HF
from 8.75%
🏦
Repco Home
from 8.85%
Loan Process
From Application to Disbursement — 6 Steps
Our streamlined, end-to-end loan process ensures you get your funds with zero confusion and maximum speed.
📋
1
Application
Fill our simple online form or call us — takes under 5 minutes
🔍
2
Eligibility Check
Instant eligibility assessment and best lender match from 25+ banks
📄
3
Document Collection
Doorstep document pickup or upload digitally — your convenience
🏦
4
Bank Processing
We submit to the best-matched lender and track the application daily
✅
5
Sanction Letter
Receive your loan sanction letter — usually within 48–72 hours
💰
6
Disbursement
Funds disbursed directly to seller/builder — you get the keys!
Why Choose NK Loans
Your Home Loan Expert, Not Just a Broker
🏆
Best Rate Guarantee
We compare rates across 25+ lenders and get you the lowest
available rate — every time. If you find a lower rate, we'll beat
it.
⚡
48-Hour Approval
Our strong lender relationships and experienced processing team
ensure in-principle approvals within 48 working hours of
application.
🆓
100% Free Service
Our loan advisory service is completely free for borrowers. We
earn from the bank — you pay zero fee for our services.
🎯
Single Point of Contact
One dedicated loan advisor handles your entire journey — from
eligibility to disbursement. No departmental runarounds.
🔄
Post-Disbursement Support
We continue to monitor your loan and alert you to better rate
opportunities, help with prepayment strategies, and assist with
statements and NOCs.
🏠
12,000+
Happy Homeowners
Success Stories
Homeowners Who Found Their Perfect Loan
Real people, real savings — see how we helped them achieve their home ownership dreams.
★★★★★
"Got my home loan sanctioned in just 36 hours. The team handled
everything — I just signed the papers. Saved ₹3 Lac in processing fees
compared to going to bank directly."
Vivek & Rashmi Srivastava
Kanpur · ₹65 Lac Home Loan · SBI
Home Loan
★★★★★
"My construction loan was tricky — self-construction on own plot. NK
Loans found a lender who disbursed in 4 stages exactly as my
construction progressed. Excellent!"
Deepak Agarwal
Lucknow · ₹45 Lac Construction Loan
Construction
★★★★★
"My existing loan rate was 9.8%. NK Loans transferred it to 8.5% — my
EMI dropped by ₹8,200 per month. Over 15 years that's saving me ₹14.7
Lac. Unbelievable service."
Anjali Mehrotra
Delhi NCR · ₹80 Lac Balance Transfer
Balance Transfer
FAQ
Home Loan Questions, Answered
Everything you need to know about home loans, eligibility, and the application process.
What is the maximum home loan I can get?
Most banks offer up to 90% of the property value for loans up to ₹30
Lac, 80% for ₹30–75 Lac, and 75% for loans above ₹75 Lac. Your
actual eligibility depends on income, existing obligations, credit
score, and employer profile. Use our EMI calculator for an instant
estimate.
What CIBIL score is required for a home loan?
Most banks require a minimum CIBIL score of 700–750. A score above
750 gets you the best rates. Some NBFCs lend to borrowers with
scores between 650–700 at slightly higher rates. We advise checking
and improving your score before applying.
How is my loan eligibility calculated?
Lenders typically allow up to 50–60% of your net monthly income as
EMI (called FOIR — Fixed Obligation to Income Ratio). For example,
if your net income is ₹80,000 and you have no existing EMIs, your
maximum eligible EMI is ₹40,000–48,000. Based on the interest rate
and tenure, this translates to a loan amount.
Is there any tax benefit on home loans?
Yes! Under Section 24(b), you can claim up to ₹2 Lac deduction on
interest paid annually. Under Section 80C, principal repayment up to
₹1.5 Lac is deductible. First-time home buyers can get an additional
₹50,000 under Section 80EE (for loans up to ₹35 Lac on homes up to
₹50 Lac value).
Can I get a home loan for an under-construction property?
Yes. For under-construction properties, banks disburse the loan in
stages matching construction progress. You pay only Pre-EMI interest
(interest on disbursed amount) until possession. Full EMI starts
after complete disbursement or possession, whichever is earlier.
What is the difference between fixed and floating interest
rate?
Fixed rate stays constant throughout the tenure regardless of market
changes — good for certainty but usually 1–2% higher. Floating rate
is linked to the RBI repo rate (RLLR) — it moves with market rates,
usually lower but variable. Most borrowers prefer floating for
long-tenure home loans as RBI rate cuts benefit them directly.
Can I prepay or foreclose my home loan?
Yes. For floating rate loans, RBI guidelines prohibit banks from
charging prepayment or foreclosure penalty. For fixed rate loans,
banks may charge 2–3% of outstanding amount. We recommend making
partial prepayments whenever you have surplus funds — it drastically
reduces your interest burden.
Is your loan advisory service really free?
Absolutely. Our service is 100% free for all borrowers. We are paid
a referral fee by banks and NBFCs for successful loan disbursements
— this does not affect your loan interest rate or cost in any way.
You get expert advice and end-to-end support at zero cost to you.