Home Loans and Loans Against Property through 21 banks and NBFCs — with competitive rates, minimal documentation and a team that guides you from application to disbursement.
✓ Up to ₹5 Crore
✓ 21 lenders
✓ Free consultation
✓ Doorstep service
🏦 21 Banks & NBFCs
⚡ Fast Approval
📞 Free Consultation
🏆 25 Years Experience
📍 Kolkata · Patna · Hazaribag · Lucknow
Loan Products
Choose your loan type.
Loan Amount
Up to ₹5 Cr
Residential & commercial properties
Interest Rate
8.5% – 12%
Varies by lender & profile
Loan Tenure
Up to 30 Years
Flexible repayment options
Processing Time
7 – 15 Days
From application to sanction
Eligibility
Age: 21 to 65 years at loan maturity
Income: Salaried minimum ₹25,000/month; Self-employed with 2 years ITR
CIBIL Score: 700+ preferred for banks; NBFC options for 650+
Property: Residential flat, independent house, plot + construction
LTV: Up to 90% of property value depending on lender
Documents Required
PAN Card
Aadhaar Card
Last 3 months salary slips
Last 6 months bank statements
2 years ITR (self-employed)
Property documents
Sale agreement / NOC
Passport size photographs
Loan Amount
Up to ₹5 Cr
Residential & commercial property
Interest Rate
9% – 14%
Secured loan, lower than personal loans
LTV Ratio
Up to 75%
Of current market value
Loan Tenure
Up to 15 Years
Flexible EMI structure
Common Uses
Business Expansion: Working capital, equipment purchase, new branch
Debt Consolidation: Merge high-interest loans into one low-rate LAP
Education: Fund higher education in India or abroad
Medical Emergency: Large medical expenses without liquidating savings
ICICI Bank · HDFC Bank · Axis Bank · SBI · Bajaj Finserv ·
Kotak Mahindra · PNB Housing · L&T Finance · IIFL Finance ·
Shriram Finance · Piramal Capital · Tata Capital · Manappuram ·
Aditya Birla Finance · Hero Fincorp · Cholamandalam · Federal Bank ·
and more — all in one free consultation.
Apply for Free
No commitment required. Our team calls within 2 hours.
What is the minimum CIBIL score needed for a home loan?+
Most banks require a CIBIL score of 700 or above for home loans. However, DealGini works with several NBFC partners who consider profiles with a score of 650+ if the income and property documents are strong. We assess your profile first and then recommend the right lender.
What is Loan Against Property and how is it different from a home loan?+
A Home Loan is specifically for purchasing or constructing a property. A Loan Against Property (LAP) is a secured loan where you pledge an existing property you already own to get funds for any purpose — business expansion, education, medical expenses or debt consolidation. LAP typically carries a slightly higher interest rate than a home loan.
How long does it take to get a home loan approved?+
With complete documents, most home loans are sanctioned within 7–15 working days. NBFCs can be faster — sometimes 5–7 days. DealGini coordinates with the lender on your behalf and tracks your application at every stage, so there are no surprises.
Can I get a home loan if I am self-employed?+
Yes. Self-employed applicants need to show 2–3 years of ITR, audited financials and 12 months of bank statements. Some NBFCs also offer home loans to self-employed individuals with non-standard income proof through their SENP (Self-Employed Non-Professional) programs. DealGini will match you to the right lender for your profile.
Is DealGini's consultation really free?+
Yes — completely free. DealGini is a Direct Selling Agent (DSA) and earns a commission from the bank or NBFC only after your loan is disbursed. There is no fee charged to you at any stage for consultation, application assistance or lender matching.
Need a quick answer?
WhatsApp us and our team will respond within a few hours.
Minimum 12 months — Maximum 84 months (varies by product & lender)
Interest Rate Range (APR)
10.50% — 28% per annum (based on profile, lender & product)
Loan Amount Range
₹50,000 — ₹5,00,00,000 (subject to lender eligibility)
Processing Fees
0.5% — 3% of loan amount (charged by lender, varies)
📊 Representative Loan Cost Example
A Business Loan of ₹5,00,000 at an interest rate of 14% per annum over a repayment period of 36 months would result in an approximate monthly EMI of ₹17,087. Total repayment: ₹6,15,132. Total interest payable: ₹1,15,132. Processing fee (approx. 1%): ₹5,000. Actual rates and EMI will vary based on lender, applicant profile, and loan terms.
⚠️ No loan product facilitated by DealGini requires full repayment within 60 days of disbursement. All loans have a minimum repayment tenure of 12 months. DealGini Private Limited is a licensed Direct Selling Agent (DSA) and does not directly lend money. All loans are sanctioned and disbursed by our partner banks and NBFCs subject to their individual credit policies and eligibility criteria. Loan approval is not guaranteed. CIN: U70200WB2023PTC262166.