Home Loan

The home loan that gets your rate right the first time.

Your home loan is a 15–30 year relationship with a bank — the rate you start at matters more than almost any other number in your finances. We compare across 40+ lenders so the first offer you sign is already the best one available to you.

Apply Now Calculate EMI

Up to ₹5Cr

Loan range

8.3%+

Starting rate

30 Yrs

Max tenure

40+

Bank partners

Why choose this with us

Benefits built around the borrower.

A short list of what actually changes when you apply through Financeway instead of walking into a branch.

Lowest available rate

We shop your profile across partner banks instead of you settling for your salary account's default offer.

Full cost transparency

Processing fees, legal charges and insurance bundling disclosed before you sign, not after.

Doorstep valuation support

We coordinate property valuation and legal verification so you don't chase appointments.

Step-up & flexible EMI options

Structures that match how your income is expected to grow over the tenure.

Balance transfer built in

If a better rate appears later, we help you move without starting from scratch.

Tax-benefit guidance

Clarity on Section 80C and 24(b) benefits so your CA has less to untangle later.

Loan Instrument

See your EMI before you apply.

Move the sliders — the split between principal and interest updates in real time.

Loan Amount ₹3,500,000

Interest Rate (p.a.) 8.60%

Tenure 240 months

Apply at this EMI →

Estimated Monthly EMI

₹21,494

● Principal
₹10,00,000

● Interest
₹2,89,640

Home Loan

What you'll need

Keep these ready to speed up your application.

Documents Required

Keep these ready — our representative collects them at your doorstep.

PAN & Aadhaar Card
Last 3 months' salary slips / ITR (self-employed)
Last 6 months' bank statement
Property documents (agreement, title deed)
Passport-size photographs
Form 16 / IT returns, last 2 years

Eligibility Criteria

A quick self-check before you apply.

Age between 21–65 years (at loan maturity)
Stable income source, salaried or self-employed
Credit score of 700+ preferred
Property with clear, marketable title
Own contribution of at least 10–20% of property value

Questions

Frequently asked questions

Banks typically fund 75–90% of the property value, subject to your income-based eligibility — our calculator gives a fast estimate.

Floating rates are usually lower to start and track the repo rate; fixed rates cost more but protect against future hikes. We'll walk you through both against your risk comfort.

Yes — for floating-rate loans, most banks charge zero prepayment penalty on individual borrowers, so extra payments straight to principal are encouraged.

With documents in order, sanction typically takes 5–7 working days; disbursal follows once property and legal checks clear.