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Is Property Finalized?

Yes

When are you planning to finalise?

30 days

90 days

more than 90 days

Home Loan Bank Partners

State Bank of India

From 7.50% p.a.

Max Tenure 30 years

Bank of Baroda

From 7.70% p.a.

Max Tenure 30 years

HDFC Bank

From 7.90% p.a.

Max Tenure 30 years

ICICI Bank

From 8.0% p.a.

Max Tenure 30 years

Kotak Mahindra Bank

From 8.20% p.a.

Max Tenure 30 years

Home Loan Calculator

EMI calculator

Balance Transfer

Repayment

Rate Change Impact

Eligibility

Monthly Loan Repayment

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You are Eligible for EMI Amount

₹59,540

■ Principal Amount
₹80,00,000

■ Interest Amount
₹1,34,34,345

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Current Loan Details

Loan Amount (₹)

Installments Paid (months)

Tenure (Years)

Rate of Interest (%)

Prepayment

Choose your Amount (₹)

New Loan Details

Processing Fees (%)

Tenure (Years)

Rate of Interest (%)

You will lose interest of

₹2,13,161

EMI Tenure will be increased by 40 Months

Current Interest

₹1,85,861

New Interest

₹3,99,022

Current EMI Tenure

6 Years

New EMI Tenure

6 Years

Outstanding Principal ₹12,96,206

EMI ₹46,315

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Loan Amount

Installments Paid (months)

Outstanding Tenure (years)

Current Interest Rate (%)

Choose your Amount

Choose Payment Option Foreclosure One time Payment

You will lose interest of

₹2,13,161

EMI Tenure will be increased by 40 Months

Current Interest

₹1,85,861

New Interest

₹3,99,022

Current Loan Tenure

6 Years

New Loan Tenure

6 Years

Current Loan Payable

₹3,99,022

New Loan Payable

₹3,99,022

Your EMI will remain same at ₹46,315

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Loan Amount

Tenure (Years)

Rate of Interest (%)

Loan taken on

New Rate of Interest (%)

Rate of Interest changes on

If you keep the Tenure same for

10 months

You will save ₹1,25,000

Current EMI

₹1,85,861

New EMI

₹3,99,022

If you keep your EMI same for

₹1,23,000

You will save ₹1,25,000

Current Tenure

1 Years

New Tenure

3 Years

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You are Eligible for Amount

₹1,25,00 Lacs

Monthly EMI

₹1,85,861

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Loan Amount

Tenure (year)

Rate of Interest (%)

Installments Paid

Principal Paid

₹0

Principal Outstanding

₹0

Interest Paid

₹0

Interest Outstanding

₹0

Last Installment

₹0

EMI

₹0

Personalized deals for everyone

Explore the home loan options that best match your requirements

Private Employees

Discover home loan offers for private employees with attractive rates and quick approval.

Government Employees

Build your dream home with an easy and affordable home loan for government employees.

Cash income With Irregular ITR

Don't let your irregular cash income stop you from owning a home. Check out your home loan options now.

Self-Employed With ITR

Unlock your perfect home with an attractive loan offer that is personalized for your needs.

Home Loan FAQs

Here are some of the important features and benefits of home loan:

Flexibility to choose a tenure:

Most banks give you the flexibility to choose your home loan tenure, which generally ranges from 15 - 30 years. The tenure you choose directly impacts the EMI you pay every month.

Comparatively cheaper than personal loans:

The rate of interest on home loans is generally lower in comparison to the personal loans. This is because home loans are generally secured loans whereas personal loans are unsecured loans.

Tax benefits:

You get tax benefits on both the interest amount and principal amount you pay. The interest paid can be claimed for a deduction of upto Rs 2 lakhs every year, whereas the principal amount paid can be claimed for a deduction of upto Rs 1.5 lakhs per year.

Home loan balance transfer:

This facility allows you to transfer your outstanding loan amount from one lender to another for the purpose of taking advantage of lower interest rates.

There are several types of home loans available to suit different needs:

Home Purchase Loan:

For buying a ready-to-move-in property or under-construction property.

Home Construction Loan:

For constructing a house on a plot of land you already own.

Home Improvement Loan:

For renovating, repairing, or improving your existing home.

Plot Purchase Loan:

For purchasing a plot of land for future construction.

Consider these important factors before applying for a home loan:

Credit Score:

Maintain a good credit score (750+) for better interest rates and loan approval chances.

Income Stability:

Ensure stable income and employment history for at least 2-3 years.

Down Payment:

Arrange for 10-20% of property value as down payment.

EMI to Income Ratio:

Keep your EMI within 40-50% of your monthly income.

Be aware of these fees and charges associated with home loans:

Processing Fee:

Usually 0.5% to 1% of the loan amount, charged for processing your application.

Prepayment Charges:

Fee for paying off the loan before the tenure ends, typically 2-4% of outstanding amount.

Legal and Technical Charges:

For property verification and legal documentation, usually ₹5,000 to ₹15,000.

Late Payment Charges:

Penalty for delayed EMI payments, typically 1-2% per month on overdue amount.

State Bank of India

Bank of Baroda

HDFC Bank

ICICI Bank

Kotak Mahindra Bank

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You are Eligible for EMI Amount

₹59,540

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Current Loan Details

Prepayment

New Loan Details

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Private Employees

Government Employees

Cash income With Irregular ITR

Self-Employed With ITR

Home Loan FAQs

+91-9041132240

support@brickbold.com

Quick links

Quick links

Popular house

Popular house

Pages

Pages

Home Loan Bank Partners

State Bank of India

Bank of Baroda

HDFC Bank

ICICI Bank

Kotak Mahindra Bank

Home Loan Calculator

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You are Eligible for EMI Amount

₹59,540

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Current Loan Details

Prepayment

New Loan Details

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Property not finalized yet?

Benefits of Pre-approved loans

Personalized deals for everyone

Explore the home loan options that best match your requirements

Private Employees

Government Employees

Cash income With Irregular ITR

Self-Employed With ITR

Home Loan FAQs

What are the key features and benefits of home loans?

What are the different types of home loans available?

What are the factors you should know before applying for a home loan?

What are the different types of home loan fees and charges?

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