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Compare pre-approved home loan and balance transfer offers across 110+ empaneled Housing Finance Companies (HFCs) and leading Banks. Enjoy maximum financing up to 90% and repayment tenures up to 30 years.
Compare lowest interest rate sanctions across 100+ lenders
A secured credit facility designed for purchasing ready-to-move flats, under-construction apartments, independent houses, constructing on plots, or transferring existing home loans for lower EMIs.
At Sanction, we treat a Home Loan as one of the most consequential financial decisions a family makes — which is why we never rush a file. Buying a home in India means navigating RERA approvals, title chain verification, encumbrance certificates, technical valuation, and an increasingly complex matrix of repo-linked interest rates across 100+ lenders.
Our credit desk evaluates your property's legal standing, your income serviceability, and your existing FOIR before recommending the right institution. We negotiate directly with zonal credit heads — not retail branch managers — to unlock institutional pricing that walk-in borrowers rarely access. The result: 7.10% instead of 8.50%, which translates to ₹12+ Lakhs in savings on a ₹75 Lakh loan over 20 years. Plus, eligible borrowers claim tax deductions under Section 80C (up to ₹1.5 Lakhs on principal) and Section 24(b) (up to ₹2 Lakhs on interest) every year.
Explore specialized housing finance options matching your exact property acquisition or construction plans.
Comprehensive home financing solutions with direct credit manager coordination.
Compare latest benchmark rates, maximum loan limits, and processing fee terms across top Indian housing lenders.
| Lending Bank / HFC | Interest Rate (% p.a.) | Max Loan Amount | Processing Fee | Action |
|---|---|---|---|---|
|
State Bank of India
EBLR-linked interest rates with zero prepayment penalties
|
7.10% – 8.85% | Up to ₹10 Crores | 0.35% + GST (Min ₹2,000) | Check Offer → |
|
HDFC Bank
Fast doorstep service and multi-project approved property tie-ups
|
7.15% – 8.95% | Up to ₹10 Crores | 0.50% or ₹3,000 | Check Offer → |
|
ICICI Bank
Pre-approved digital sanction letter valid for 6 months
|
7.20% – 9.00% | Up to ₹10 Crores | 0.50% + GST | Check Offer → |
|
LIC Housing Finance
High eligibility on gross salary and flexible builder criteria
|
7.15% – 8.90% | Up to ₹5 Crores | ₹5,000 to ₹10,000 flat | Check Offer → |
|
Axis Bank
Shubh Aarambh Home Loans with 12 EMI waivers on timely payment
|
7.25% – 9.15% | Up to ₹7.5 Crores | Up to 1.00% | Check Offer → |
|
Bank of Baroda
Lowest repo-linked lending rates for prime 750+ CIBIL borrowers
|
7.10% – 8.80% | Up to ₹10 Crores | Nil under special campaign | Check Offer → |
Simulate your monthly installment and total interest over up to 30 years.
Clear borrower norms for purchase, construction, and balance transfers.
Transparent home loan origination from initial eligibility check to direct bank disbursal.
Standardized charges across leading public, private banks and housing finance institutions.
| Fee Category | Applicable Charges | Details & Notes |
|---|---|---|
| Interest Rate | 7.10% to 13.50% p.a. | Repo-linked benchmark lending rate based on credit score and LTV ratio. |
| Processing Fees | ₹2,500 to 0.50% of loan amount | Often capped at ₹10,000 with seasonal zero-processing fee campaigns. |
| Prepayment / Foreclosure | NIL (0%) | RBI mandates zero foreclosure charges on all individual floating-rate home loans. |
| Legal & Technical Valuation | ₹3,000 to ₹8,000 (At actuals) | Paid directly to bank-empaneled advocates and chartered engineers. |
| CERSAI & MODT Registration | ₹500 to ₹1,000 + State Stamp Duty | Government statutory fee for registering equitable mortgage. |
Direct institutional tie-ups and credit desk liaison across India's leading HFCs and Banks.
Common questions about housing finance, tax deductions, and balance transfers.
Banks typically sanction 50 to 60 times your net monthly salary, provided your total monthly EMI obligations (FOIR) do not exceed 50-60% of your net monthly income.
Under the Indian Income Tax Act, you can claim up to ₹1.5 Lakhs tax deduction on principal repayment under Section 80C and up to ₹2 Lakhs deduction on interest paid under Section 24(b) every financial year.
Yes. A Home Loan Balance Transfer allows you to switch your outstanding balance to a lender offering a lower interest rate, saving lakhs in total interest and giving you an optional top-up loan simultaneously.
