Home Loan · Loan Against Property
Home loans & loans against property
Apply once and explore offers from leading banks, housing finance companies and NBFCs — with a dedicated expert by your side.
- 10+ lending partners
- 100% digital process
- Free expert guidance
- Compare in minutes
What's your full name?
As it should appear on your application.
Home Loan
Finance the home you've been planning for
Whether you are buying your first flat, building on your own plot or moving an existing loan to a better rate, LoanzAi matches you with lenders whose offers fit your income and goals.
₹10 Cr+
Loan amount
30 yrs
Tenure
8.40%
Rates from*
Yes
Transfer & top-up
Online
Application
Types of home loans
Home Purchase
Buy a ready-to-move or under-construction home from a builder or resale.
Home Construction
Build your own house on a plot you already own.
Home Improvement
Renovate, repaint, re-floor or repair your current home.
Home Extension
Add a room, floor or balcony to your existing property.
Plot Loan
Purchase a residential plot to build on later.
Plot + Construction
Fund both the land and the build in one combined loan.
Balance Transfer
Shift your existing loan to a lender with a lower rate.
Top-up Loan
Borrow extra on top of your running home loan.
PMAY Subsidy
Eligible first-time buyers may receive an interest subsidy.
Home loan eligibility
Salaried
- Age 21–60 years at loan maturity
- Minimum 2 years total work experience
- Stable monthly income
- Credit score of 700+ preferred
Self-employed
- Age 25–65 years at loan maturity
- Business running for 3+ years
- ITR filed for last 2–3 years
- Credit score of 700+ preferred
Documents required
- PAN card
- Aadhaar card
- Passport / Voter ID (any one)
- Recent photograph
Tax benefits
Section 80C
Deduction on principal repayment, within the overall 80C limit.
Section 24(b)
Deduction on interest paid for a self-occupied home, subject to limits.
Section 80EEA
Additional interest deduction for eligible first-time affordable home buyers (where applicable).
PMAY
Interest subsidy for eligible buyers under the government housing scheme.
How it works
- 1
Share details
Tell us about yourself and the home in 2 minutes.
- 2
Compare offers
See rates and amounts from multiple lenders.
- 3
Submit documents
Upload once; our experts coordinate with the bank.
- 4
Sanction & disbursal
Get your sanction letter and funds released.
Loan Against Property
Let your property fund your next big move
Pledge a property you own and access a large, long-tenure loan at rates well below unsecured credit — while you continue to use the property.
₹10 Cr
Loan amount
20 yrs
Tenure
9.40%
Rates from*
≤70%
Loan-to-value
Any
End use
What you can use it for
Types of LAP
Residential Property
Unlock funds against a house or flat you own.
Commercial Property
Use an office, shop or showroom as collateral.
Plot / Industrial
Borrow against land, warehouses or factory premises.
Lease Rental Discounting
Get a lump sum against future rent from leased property.
LAP eligibility
Salaried
- Age 25–60 years
- Property owned with clear title
- Regular salary credits
- Healthy repayment history
Self-employed
- Age 25–70 years at maturity
- Business vintage of 3+ years
- Audited financials / ITR
- Clear, marketable property
Documents required
- PAN card
- Aadhaar card
- Address proof
- Recent photograph
How it works
- 1
Apply online
Share your need and property details.
- 2
Valuation
The lender assesses your property's market value.
- 3
Legal check
Title and documents are verified by the lender.
- 4
Disbursal
Funds are credited after agreement signing.
Home Loan vs Loan Against Property
| Feature | Home Loan | LAP |
|---|---|---|
| Purpose | Buy, build or renovate a home | Any personal or business need |
| Collateral | The property being financed | Property you already own |
| Interest rate | Lower | Slightly higher |
| Loan-to-value | Up to 90% | Typically 50–70% |
| Max tenure | Up to 30 years | Up to 15–20 years |
| Tax benefits | 80C, 24(b) and more | Limited, depends on end-use |
Our lending network
Banks & NBFCs
HDFC Bank
PNB Housing Finance
State Bank of India
ICICI Bank
Axis Bank
Bajaj Housing Finance
LIC Housing Finance
Kotak Mahindra Bank
Tata Capital
Aditya Birla CapitalEMI Calculator
Plan your monthly repayment
Monthly EMI
₹43,391
- Principal
- ₹50,00,000
- Total interest
- ₹54,13,879
- Total payable
- ₹1,04,13,879
Why LoanzAi
Borrowing, made simpler
10+ lenders, one form
Apply once and reach banks, HFCs and NBFCs together.
Unbiased comparison
Offers ranked transparently by rate and terms.
Expert guidance, free
Dedicated loan advisors at no cost to you.
100% digital
Apply, upload and track from your phone.
Data security
Your information is encrypted and shared only with your consent.
Faster sanction
Pre-checked files move through lenders quicker.
I compared five offers in one evening and picked a rate I would never have found on my own. (Placeholder testimonial)
Priya S. · Bengaluru
FAQs
Questions, answered
Ready to see your best offer?
Answer a few quick questions and an expert will call with personalised offers.