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.
Home Loan
Interest rate
8.50% p.a. onwards
Loan amount
Up to ₹5 Cr
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
Indicative ranges compiled by QCred — click a lender for full details, fees and FAQs.
| Lender | Interest rate | Processing fee | Max amount | Tenure |
|---|---|---|---|---|
| HDFC Bank | 8.60% – 9.50% p.a. | 0.50% or ₹3,300 min | ₹10 Cr+ | Up to 30 years |
| 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 |
| ICICI Bank | 8.65% – 9.85% p.a. | 0.50% – 2% | ₹10 Cr | Up to 30 years |
| Axis Bank | 8.70% – 9.90% p.a. | Up to 1% (min ₹10,000) | ₹5 Cr+ | Up to 30 years |
| Kotak Mahindra Bank | 8.70% – 9.60% p.a. | 0.5% + taxes | ₹10 Cr | Up to 25 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 |
| IDFC FIRST Bank | 8.85% – 10% p.a. | Up to 1% | ₹5 Cr | Up to 30 years |
| Tata Capital | 8.95% – 11% p.a. | Up to 1% | ₹5 Cr | Up to 30 years |
| Bajaj Finserv | 8.50% – 12% p.a. (via BHFL) | Up to 1% | ₹15 Cr | Up to 32 years |
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.