Home Loans that move at your speed
Compare offers from India's leading banks and housing finance companies, and get end-to-end help — from eligibility to disbursal — with one QCred advisor.
Loan amount
Up to ₹5 Cr
Interest rate
8.50% p.a. onwards
Tenure
Up to 30 years
Approval
As fast as 48 hrs*
Why apply through QCred
One application, many banks
A single QCred application is matched against multiple lenders, so you see real offers side by side instead of applying one bank at a time.
Balance transfer support
Already paying a higher EMI? We help you move your existing home loan to a lower rate and calculate exactly what you save.
Doorstep documentation
Our advisors collect and verify documents at your convenience, and stay with your file until the money is disbursed.
No hidden charges
Every fee — processing, legal, valuation — is put in writing before you commit. What you see is what you pay.
Find your best home loan offers
It takes 2 minutes. This will not affect your credit score.
Compare home loan rates across top lenders
Nationalized banks, private banks and NBFCs — indicative ranges compiled by QCred. Click a lender for full details, fees and FAQs.
Top Nationalized Banks for Home Loan
| Lender | Interest rate | Processing fee | Max amount | Tenure |
|---|---|---|---|---|
| State Bank of India | 8.50% – 9.45% p.a. | 0.35% (often waived in campaigns) | No formal cap (eligibility-based) | Up to 30 years |
| Punjab National Bank | 8.55% – 9.60% p.a. | 0.35% (frequently waived) | Eligibility-based | Up to 30 years |
| Bank of Baroda | 8.55% – 9.80% p.a. | 0.25% – 0.50% | ₹20 Cr (location-based) | Up to 30 years |
Home Loan across India's top cities
Get an instant home loan across the nation at the lowest interest rate — one QCred advisor, wherever you are.
QCred
The simple, quick steps to your home loan
Step 01
Eligibility
Tell us your requirement — 2 minutes, a few basics, zero credit-score impact.
Step 02
Compare
We shortlist the banks and NBFCs most likely to approve your profile at the best rate.
Step 03
Apply
One digital application — your advisor packages and submits the file for you.
Step 04
Disbursement
Sanction to money-in-account, tracked at every step and kept moving.
Eligibility
- Age
- 21 – 65 years
- Employment
- Salaried or self-employed
- Minimum income
- ₹25,000 / month (varies by lender)
- Credit score
- 700+ recommended
- Work experience
- 2+ years (salaried) / 3+ years business vintage
Documents
- PAN card and Aadhaar card
- Last 3 months' salary slips or 2 years' ITR
- Last 6 months' bank statements
- Property documents (agreement, chain of title)
- Passport-size photographs
Rates & charges
- Interest rate
- 8.50% – 10.50% p.a.
- Processing fee
- 0.25% – 1% of loan amount
- Loan-to-value
- Up to 90% of property value
- Prepayment charges
- Nil on floating-rate loans
Indicative ranges across partner lenders; your offer depends on profile and lender policy.
Home Loan FAQs
How much home loan can I get on my salary?
Most lenders allow EMIs up to about half of your net monthly income. On a ₹60,000 salary, that supports roughly a ₹35–40 lakh loan over 20 years, depending on the rate and your existing obligations. Use our eligibility calculator for an instant estimate.
Should I choose a fixed or floating rate?
Floating rates are usually lower and have no prepayment penalty, which suits most borrowers. Fixed rates make sense only if you expect rates to rise sharply and want certainty on your EMI.
Does QCred charge me anything?
No. QCred's service is free for borrowers — we are compensated by the lender when your loan is disbursed. You pay only the bank's official charges.
Can I transfer my existing home loan to a lower rate?
Yes. If your current rate is more than ~0.5% above the market, a balance transfer usually saves money even after fees. We compute the exact break-even for you before you decide.
Get your home loan moving today
Apply in two minutes or talk to an advisor first — either way, it costs you nothing.