For most buyers the loan decides the budget, the timeline and half the stress. Understood early, it becomes a tool; discovered late, it becomes the bottleneck that costs you the flat you wanted.
This guide covers the moving parts in plain language. Pair it with our EMI calculator and budget planner, then let us line up the actual banks when you are ready.
The road, numbered
Know your borrowing power
Banks broadly size loans so the EMI fits comfortably inside your monthly income after existing obligations, with lending commonly up to 75–90% of property value depending on ticket size and profile. Our budget planner turns this into a number in thirty seconds.
Mind the credit score
Your credit history prices your loan. Check your score early, clear small dues, and avoid fresh credit applications during the purchase window.
Assemble the file once, properly
PAN, Aadhaar and photographs; salary slips, Form 16 and bank statements for salaried buyers; ITRs, business proof and statements for the self-employed; plus the property papers once identified. A clean file is the single biggest accelerator of sanction.
Compare true cost, not headline rate
Processing fees, insurance push, prepayment terms and reset clauses change the real price of a loan. We put offers side by side in like-for-like terms before you choose.
Sanction, legal & technical
The bank verifies your profile, then the property: legal opinion on title and a technical valuation visit. Properties we recommend have already been through our own verification, which keeps this stage boring.
Disbursement & registry
Funds move against the agreement and registration schedule, ready possession and resale typically disburse around registry, under-construction in slabs. We choreograph the sequence so seller, bank and registrar land on the same dates.
Asked about this
What EMI should I aim for?
Can NRIs get home loans in India?
Fixed or floating rate?
The other guides
The Buying Process
From first call to keys in hand: the seven stages, what happens in each, and what it costs you (nothing, until it works).
Read →Process guideThe Selling Process
An honest number first, then the buyers to match it: how we take a property from decision to registry.
Read →Process guideLegal & Due Diligence
The unglamorous homework that keeps a dream purchase from becoming a court matter.
Read →Ready to start the road?
Stage one is a conversation, and it costs nothing.