Home Loan
Finance to buy, build or improve a home, or to move an existing home loan to better terms.
Total loan ₹50 lakh to ₹100 crore
Which one fits
Terms shown are typical; each lender sets its own.
New purchase
A fresh loan on a home from a builder or a resale owner.
- Up to 30 years or retirement
- You pay 10 to 25% of the cost
Balance transfer
Move your home loan to a new lender.
- At least 12 months' steady repayment
- Up to 30 years
- Some lenders ask for a credit score of 700 or more
BT + top-up
Transfer your loan and take extra funds on the same home.
- Combined loan up to 80% of market value up to ₹75 lakh, 75% above
Top-up
Extra funds on the home loan you already have.
- After 12 months from final disbursement, and after possession
- Up to 15 years
- Not for speculation
Home overdraft
A home loan run as an overdraft, so spare money can sit against it.
- The limit falls each month with the principal in your EMI
- Some lenders offer a mix of at least 60% term loan and at most 40% overdraft
Self-construction
Build on a non-agricultural plot you own.
- Released in stages against verified progress, with an engineer's inspection
- You pay on the amount drawn until EMIs start
Plot + construction
Buy a plot and build on it.
- Plot part: up to 15 years
- Plot part: 80% up to ₹75 lakh, 75% above, possibly 70% outside city limits
- Direct allotment cases
Documents to keep ready
Nayaasa is a loan advisor, not a lender. This is what lenders typically ask for, and yours may differ. Approval is the lender's decision.
Applying jointly? Each person gives their own documents. Choose each type in turn.
What to expect
Typically; each lender sets its own.
Up to 30 years
Tenure typically runs up to 30 years or retirement, and depends on your age when the loan ends.
Your share of the cost
Lenders finance up to 80% of the cost on loans up to ₹75 lakh and 75% above that. Stamp duty and registration are left out of the cost.
What the lender looks at
Income, repayment capacity, credit record, your age at maturity and the property's legal and technical clearance. Co-owners must be co-applicants.
Rules and schemes that apply
No charge for paying early
Floating-rate loans to individuals for non-business purposes, sanctioned or renewed on or after 1 January 2026, carry no pre-payment charge and no lock-in, whatever the source of the money.
Your property papers come back
A lender must return them within 30 days of closure, or pay ₹5,000 for each day of delay it causes.
Figures last checked November 2026.
Who it suits
- People buying a home from a builder or a resale owner
- Borrowers who want to move a running home loan, with or without extra funds
- Owners of a non-agricultural plot who want to build on it
- Salaried, self-employed and NRI applicants
How it works
Tell us what you need
The property, the amount and who is applying. A short call is enough to start.
We look at your profile
Your income, running loans and the property, set against what lenders ask for.
Gather the documents
We give you the list for your case and check each file before it goes to a lender.
The lender assesses
The lender runs its credit, legal, technical and valuation checks.
Sanction and agreement
If the lender agrees, it issues a sanction letter and you sign the loan documents.
Disbursement
The lender releases the money on its terms, in stages if you are building.
Common questions
Which home loan fits me?
It depends on whether you are buying, building, or already have a loan. The list above shows each type, and an advisor can talk it through with you.
How much of the price can be financed?
Lenders typically go up to 80% of the cost on loans up to ₹75 lakh and 75% above that, so plan for the rest and for stamp duty and registration.
Can I move my loan and borrow more?
Often, yes. Lenders usually look for at least 12 months of steady repayment before a transfer.
Does Nayaasa approve the loan?
No. Nayaasa is a loan advisor, not a lender. The final decision and the terms are the lender's.
Let's Build Your Brighter Tomorrow
Get in touch with our advisors for guidance on the loan that fits your plans.