Home Loan

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Let’s Build Your Dream Home Together!!

The Right Home Loan that Fits Your Needs Can Certainly Help You.

No need to wait for years to step into your own space that you can call a Home. With ReferLoan’s easy process Home Loans, you can experience the happiness of your own home in no time.

A Wide Range of Home Loan To Choose From

A Wide Range of Home Loan To Choose From
Bank Name Rate of Interest Processing Fees CIBIL Score Loan Amount Apply Now
PNB Housing Finance Home Loan Roshni- 10.50% to 14%, Prime 8.75% to 10% (Reducing) 10000 for Salaried, In Roshni-1%, Self Employed-0.50% 625+ Upto 10 Cr Apply now
Mahindra Finance Home Loan 9% Onwards 1%-3% 650+ Upto 50 Lac Apply now
Satin Home Loan 11% onwards 2.50%-3%+GST 700+ & Minus 1 CIBIL applicant Upto 1 Cr Coming Soon
Bajaj finance Home Loan 8.50% onwards 0.20% of Loan Amount+GST 700+ Upto 15 Cr Coming Soon

Home is where the heart is!

Regardless of their economic category, every individual desires a sweet abode they can call home. Some people get the privilege to own one, and some just keep it on their bucket list for years and years. But gone are the days when people had to wait for decades to invest in their house; now, with the help of convenient home loans, it is a matter of days. A home loan helps those who want to invest in a house but don’t have the right financial position to do so.

With the help of a home loan, an individual can easily purchase or build a home of their own and repay the amount in easy EMIs. A Home is more than just a property for people, it’s a space for them to create memories with their loved ones. Therefore, the urge to own a house is more than just a status symbol in India. The concept of Home Loans has helped crores of people buy a space they can call their own.

What is a Home Loan?

A Home Loan or mortgage loan is provided by any lender to any borrower for the purpose of purchasing any residential property. This Loan is majorly taken by those who want to buy a house but don’t have the full purchase price available upfront. This is a secured loan where the house itself works as collateral.

How Does a Home Loan Work?

A Home loan works by providing individuals with a lump sum of money that they can use for their
House Purchase and repay within the given repayment tenure, keeping the interest rates in mind.
Let’s break down the steps for you
How Does a Home Loan Work?
Benefits of a Home Loan
Required Documents to Apply for a Home Loan 
Required Eligibility to Apply for a Home Loan 


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A home loan, also known as a mortgage, is a loan provided by a financial institution (usually a bank or a lending company) to help individuals purchase a home. The borrower repays the loan amount with interest over a specified period.

Eligibility for a home loan depends on factors like your credit score, income, employment history, and the loan-to-value ratio (LTV). LTV is the ratio of the loan amount to the property’s value.

The down payment is the initial payment you make towards the purchase of a home. The amount varies but is typically around 20% of the property’s value. Some lenders may accept a lower down payment, but this may lead to higher interest rates or additional mortgage insurance.

A fixed-rate mortgage has a stable interest rate throughout the loan term, while an adjustable-rate mortgage has an interest rate that can change periodically, typically after an initial fixed period.