Access to 70+ Banks & NBFCs for the best deals
Why Choose a Home Loan with Finxprt?
We go beyond just finding you a loan. We ensure you get the best possible deal.
Lowest interest rates starting from 8.40% p.a.
Expert guidance for salaried, self-employed & NRIs
Faster approval & doorstep documentation support
100% transparent process – no hidden charges
What is a Home Loan?
A Home Loan is a secured loan that helps you finance the purchase, construction, or renovation of your dream home. The property itself serves as collateral, and repayment happens in easy EMIs over a tenure of up to 30 years.
At Finxprt, we simplify the process by comparing offers across lenders, ensuring you get the best interest rate, maximum loan amount, and flexible repayment options.
Types of Home Loans We Offer
Not every home loan is the same. At Finxprt Financial Services, we help you find the right type of home loan based on your needs, profession, and financial situation. Explore the options below:
Home Purchase Loan
For buying your dream home – made simple.
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Finance up to 80–90% of property value
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Attractive interest rates starting from 8.40% p.a.
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Flexible repayment tenure up to 30 years
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Quick sanction with minimal documentation
Home Construction Loan
For building your home the way you want.
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Funds released in stages as per construction progress
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Loan linked to property cost + estimated construction cost
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Ideal for plot owners wanting to construct on their land
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Tax benefits available under Sec 80C and 24(b)
Plot + Construction Loan
Buy a plot + build your dream house on it.
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Combines plot purchase & construction in one loan
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Longer tenure available compared to plot-only loans
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Lower interest compared to two separate loans
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Flexible repayment linked to construction phases
Home Renovation / Improvement Loan
Upgrade, repair, or modernize your home hassle-free.
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Covers repairs, painting, interior upgrades, remodeling
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Loan amount based on renovation cost estimates
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Quick processing with minimal documentation
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Tax deduction available on interest paid
Home Extension Loan
Expand your living space with ease.
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Finance for adding rooms, floors, or expanding structure
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Similar benefits as home loan (long tenure + tax benefits)
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Ideal for growing families
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Flexible repayment plans
Joint Home Loan (for Couples or Family)
Own your dream home together, with added benefits.
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Higher eligibility by clubbing incomes of co-applicants
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Tax benefits for both applicants under Sec 80C & 24(b)
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Suitable for married couples, parents + children, or siblings
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Improves chances of loan approval and higher amount sanction
Home Loan for NRI
Helping NRIs invest back home easily.
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Tailored loans for NRIs to purchase or build property in India
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Competitive interest rates with flexible EMI options
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Repayment via NRE/NRO accounts or inward remittance
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End-to-end support for documentation and compliance
Still not sure which home loan suits you best?
Get Free Expert Guidance
Frequently Asked Questions on Types of Home Loans
Q: What properties are eligible for a home purchase loan?
Apartments, independent houses, and builder floors (approved by banks/NBFCs).
Q: Can I get a loan for a resale property?
Yes. As long as the property has clear titles and bank approvals.
Q: How is the disbursement done in construction loans?
Disbursed in tranches based on progress certified by the bank.
Q: Can I use a construction loan for renovations?
No. It is specifically for new home construction.
Q: Can I buy only the plot with this loan?
No. Lenders require you to begin construction within a set timeframe (usually 2–3 years).
Q: Is it different from a normal home loan?
Yes. It funds both land and construction, unlike home purchase loans.
Q: What expenses are covered under a home improvement loan?
Structural repairs, painting, plumbing, interiors, modular kitchen, etc.
Q: Can tenants apply for a renovation loan?
No. Only property owners or co-owners are eligible.
Q: Can I use a home extension loan for interior changes?
No. It is strictly for structural expansions, not cosmetic changes.
Q: Do banks require approval for extensions?
Yes. Municipal approvals and plans are mandatory.
Q: Can friends apply for a joint home loan?
No. Only family members or legally married spouses can co-apply.
Q: Do both applicants get tax benefits?
Yes, if both are co-owners and co-borrowers.
Q: Can NRIs apply jointly with a resident Indian?
Yes, but the property must be in India and repayment routed through valid NRE/NRO accounts.
Q: Are there restrictions on property type?
NRIs can buy residential and commercial property, but not agricultural land, plantation, or farmhouses.
Who Can Apply for a Home Loan?
To qualify for a home loan, you typically need to meet the following conditions
Even if your credit score is lower, Finxprt helps you find banks that best match your profile.
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Minimum income: ₹25,000/month (varies by city & lender)
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Minimum age: 21 years, Maximum: 65 years at loan maturity
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Stable employment/business history (2–3 years)
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Salaried professionals (Govt & Private sector employees)
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Self-employed individuals (Doctors, CAs, Business Owners)
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NRIs with valid overseas income proof
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Good credit score (700+ preferred)
Documents Needed for a Home Loan
Keep these documents handy for faster approvals
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KYC: Aadhaar, PAN, Passport/Driving License
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Income proof: Salary slips, ITR, Form 16, Bank statements
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Property documents: Sale deed, agreement, approved plan, NOC from builder/society
How Finxprt Gets Your Loan Approved
Your Loan Journey Made Simple
Tell Us Your Requirement
Share your loan need (personal, home, business, or more) with just a few details.
Submit Basic Documents
Provide your financial documents securely so we can assess eligibility.
Compare the Best Bank Offers
We evaluate and shortlist multiple lenders to bring you only the most suitable options.
Get Fast Loan Approval
Transparent process with zero hidden charges – quick approvals made hassle-free.
Instant Disbursal
Once approved, the loan amount is credited directly to your bank account.
That’s it! No running around banks, no confusion.
Finxprt does all the heavy lifting while you get the loan you deserve.
Apply Now – Start Your Loan Journey
The Finxprt Advantage
Why Choose Finxprt for Your Home Loan?
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Compare offers from 70+ banks & NBFCs
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Faster approval with minimal paperwork
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End-to-end support till disbursal
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100% transparent process – no hidden charges
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RBI-compliant trusted lending partners
Finxprt is your reliable partner for stress-free loan approvals.
Home Loan EMI Calculator
Estimate your monthly EMIs instantly. Enter your loan amount, interest rate, and tenure to find the perfect repayment plan.
Frequently Asked Questions on Home Loans
Q. What is the maximum home loan tenure available?
Up to 30 years, depending on lender policies.
Q. Can I transfer my existing home loan to another bank?
Yes, via a Balance Transfer for lower interest rates.
Q. How much EMI will I pay for a ₹50 Lakh home loan?
Use our EMI Calculator to check.
Q. Can I prepay my home loan?
Yes, most banks allow part-prepayment or foreclosure with minimal charges.
Q. What is PMAY (Pradhan Mantri Awas Yojana)?
A govt. subsidy scheme offering up to ₹2.67 Lakhs benefit for eligible applicants.
Let’s Talk Finance!
Ready to apply for a loan or need expert guidance?
Contact Finxprt — we’re here to help you make confident financial decisions.