Make Your Dream Home a Reality with KreditMudra Home Loans
Ready to own your dream home? KreditMudra offers comprehensive home loan solutions tailored to meet your needs. With our competitive rates and flexible repayment options, buying your perfect home is easier than ever.
Interest rate
8.35% p.a. onwards
Loan amount
Up to 90% of property value
Tenure
Up to 30 years
Home Loans: every variant
Select a product to see how it works and how we help you secure it.
Home Purchase Loan
Are you dreaming of buying your own house? KreditMudra will help you get a home purchase loan. Salaried and self-employed individuals are eligible for the loan, which covers 80%–90% of the property purchase price, with the property itself serving as collateral. This lets you acquire the home without needing the full amount upfront.
We understand what it means to buy a dream home. Whether you are purchasing an under-construction home or a ready-to-move-in house, KreditMudra connects you with the top banks and NBFCs offering competitive interest rates, flexible repayment options, and low EMIs. We assist in verifying your loan eligibility, documentation, and disbursal of the loan.
Say goodbye to lengthy paperwork, hidden charges, and delayed approvals.
Key highlights
Lower interest rates
Higher tenure
Tax benefits under Sections 24(b) and 80C
Prepayment and foreclosure available
Balance transfer options
Composite loan for land + construction
Loan for B-Khata and manual khata properties
Loan for residential land purchase
Eligibility criteria
Salaried or self-employed applicants aged 21–65
Minimum 2–3 years of stable income or business continuity
CIBIL score of 700 or above for the best pricing
Property with clear, marketable and approved title
Adequate margin money for the down payment
Documents required
PAN, Aadhaar and photographs of all applicants
Last 3 months' salary slips and Form 16, or 2 years' ITR
Last 6 months' bank statements
Sale agreement, property chain documents and khata
Approved plan and latest tax paid receipt
Criteria and documentation vary between lenders. We confirm the exact requirement for your chosen lender before you submit anything.
Estimate your Home loan EMI
Adjust the amount, rate and tenure to see what the repayment would look like.
Your monthly EMI
₹24,399
- Principal₹25 L
- Total interest₹18.92 L
- Total payable₹43.92 L
Indicative only. Your actual EMI depends on the lender's final approved rate, processing fees and insurance.
Get offers at this amountHome Loans: common questions
Under the old tax regime, principal repayment qualifies under Section 80C up to ₹1.5 lakh a year, and interest on a self-occupied property is deductible under Section 24(b) up to ₹2 lakh a year. Benefits differ under the new regime; please confirm your position with a tax adviser.
Lenders fund up to 90% of the property value for smaller-ticket loans and around 75–80% for larger ones, so plan for a 10–25% margin plus registration and stamp duty, which are not funded.
For floating-rate home loans taken by individual borrowers, RBI prohibits prepayment and foreclosure charges. Fixed-rate loans may still attract a fee.
Yes, and it is often the fastest way to raise your sanction. Adding an earning spouse or family member pools both incomes, and where the co-applicant is a co-owner, each of you can claim the tax deductions separately.
Explore other loan products
Ready to find your lender?
Share your requirement once. We compare it against 50+ banks and NBFCs and come back with the shortlist worth applying to.
Free for borrowers
No impact on your credit score
