Eligibility criteria
- Age 21–65 (loan to mature by 70)
- Salaried with min ₹25,000/month OR self-employed with 3 yrs ITR
- CIBIL score 700+ preferred
- Clear, marketable property title
← All loans
Home Loan
Affordable Home Loans — rates starting from 8.35%* p.a. onwards
Make your dream home a reality with competitive home-loan rates from India's top banks and HFCs. Purchase, construction, plot + construction, renovation, or balance transfer — we match you with the right lender, lock the best rate and handle the entire paperwork. Rates starting from 8.35%* p.a. onwards.
- Rates starting from 8.35%* p.a. onwards
- Tenure up to 30 years
- Loan up to ₹10 Crore*
- LTV up to 90%* of property value
- PMAY subsidy guidance
Interest from 8.35%* p.a.
*Starting rate, subject to lender approval, credit profile & loan amount. T&C apply.
EMI calculator
Plan your repayment
EMI Calculator
Live calculationQuick presets
50k50 L
Starting 9.9%*Up to 24%
1 yr5 yrs
No prepayment20% / year
Monthly EMI
₹ 10,222
for Personal Loan · 5 years @ 8.35%
Principal 82% Interest 18%
Principal₹ 5.00 L
Total interest₹ 1.13 L
Total payable₹ 6.13 L
*Indicative EMI based on the selected rate. Final rate, tenure and EMI are at the lender's discretion and depend on your credit profile.
Interest rates mentioned are indicative and final interest rates, eligibility, and approval terms are subject to lender policies and applicant profile.
Documents required
- PAN & Aadhaar of all applicants
- Last 3 months salary slips / 3 yrs ITR
- 6 months bank statement
- Property documents — sale deed, agreement, EC, approved plan
- Builder NOC / OC where applicable
Fees & charges
Processing fee 0.25–1%*. Legal & valuation actuals. Stamp duty as per state. Nil prepayment on floating-rate home loans.
Why route through Velixa
- Lowest rates from 40+ banks & NBFCs
- Single-window documentation
- Dedicated relationship manager
- Transparent fee disclosure
- Pre-approval eligibility checks
- Post-disbursal servicing support
Explore more
Other loan products
Personal Loan
Unsecured funds for personal needs — rates starting from 9.9%* p.a. onwards, disbursed in 24–72 hours.
Learn more
Business Loan
Collateral-free MSME funding up to ₹1 Cr* — rates ranging from 8.00%* to 30.00%* p.a.
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Loan Against Property
Unlock liquidity from residential or commercial property.
Learn more
Overdraft (OD) Facility
Dynamic credit line — pay interest only on utilization.
Learn more