The Right Home Loan.
Without the Paperwork Chase.
We do not just connect you to banks. Our loan RM works alongside your property purchase so you are never managing two things at once. We find the right lender for your profile, submit your documents, and follow up until approval.
Talk to a Loan SpecialistRates from
8.40% p.a.
Max Tenure
30 Years
Lender Partners
Banks & NBFCs
Sanction
Typically 5-7 Days
Not sure what you can afford? Use our free EMI and Affordability Calculator first.
Open CalculatorEstimate your monthly EMI.
| Loan Amount | Rate 8.5% | Rate 9.0% | Rate 9.5% |
|---|---|---|---|
| Rs 50 Lakh | Rs 43,391 | Rs 44,986 | Rs 46,607 |
| Rs 75 Lakh | Rs 65,087 | Rs 67,479 | Rs 69,911 |
| Rs 1 Crore | Rs 86,782 | Rs 89,973 | Rs 93,214 |
| Rs 1.5 Crore | Rs 1,30,174 | Rs 1,34,959 | Rs 1,39,821 |
| Rs 2 Crore | Rs 1,73,565 | Rs 1,79,946 | Rs 1,86,429 |
*EMI calculated on 20-year tenure. Actual rates depend on your credit profile.
We handle the loan.
You focus on the flat.
We work with India's leading banks and NBFCs to find the best rate for your profile. Our loan RM approaches them on your behalf, so you do not chase anyone.
Our Lending Partners
Figure Out Your Number
Start with the EMI table below. Once you have a rough figure, share your income and existing EMIs. We tell you what lenders will actually offer you.
Get Your Exact Checklist
Different lenders ask for different documents. Once you pick a lender, we send you the precise list. Nothing extra, nothing missing.
One Person Handles It
A loan specialist from our team tracks your application from submission through verification, sanction and any bank queries.
Disbursement Coordination
We sync the disbursement schedule with the builder's construction milestones so funds flow at the right time.
What you will typically need.
Exact list varies by lender and employment type. We will send you the precise list for your case.
Buying as an NRI? Your Loan Works Differently. We Handle It.
NRI home loans follow different rules depending on where you live. Here is what you need to know before you apply.
Who qualifies
Any Indian citizen living abroad for 182 or more days in a financial year qualifies as an NRI and can apply for a home loan in India. This includes residents of the UAE, US, UK, Europe, Australia, and all other countries.
Key rules
- You can borrow up to 80% of the property value
- Loan repayments must come from your NRE, NRO, or FCNR account, not from a foreign account directly
- Loan tenure up to 20-25 years depending on your age and lender
- Interest rates typically range from 8.40% to 10.5% depending on your profile
What if you have no CIBIL score?
If you have never taken a loan or credit card in India, you will not have a CIBIL score. This is not a dealbreaker. Here is what lenders accept instead:
| Country | What Replaces CIBIL | Min. Income |
|---|---|---|
| UAE / Gulf | Salary certificate + employment contract + 6-month bank statements. No formal credit score required. | AED 6,000/month (approx) |
| USA / Canada | FICO or Experian score (650+ recommended). Provide with application. | USD 3,500/month (approx) |
| UK | Experian UK score accepted. Employment letter + 3 months payslips. | GBP 2,500/month (approx) |
| Europe / Australia | Documents must be notarised and translated to English. Local credit bureau score accepted. Co-applicant in India strongly recommended. | Varies by lender |
| No credit history anywhere | A resident Indian co-applicant (spouse, parent, or sibling) who jointly applies is the most reliable and widely accepted solution. | Based on co-applicant income |
We are building our lender network for some international profiles. Speak to our loan specialist and we will tell you honestly what is available for your specific situation. We will never promise something we cannot deliver.
NRI Documents Checklist
Common questions about home loans.
Can I get a home loan for an under-construction property?
Yes. Most banks disburse loans in stages linked to construction milestones, called a construction-linked plan (CLP). You pay pre-EMI interest on the disbursed amount until possession, then full EMI begins.
Do I need to visit India to apply for an NRI home loan?
No. Most major banks process NRI home loan applications remotely. The sale agreement and registration may require a visit or a Power of Attorney (POA) holder in India. We guide you through this.
What is FEMA and does it affect my home loan?
FEMA, the Foreign Exchange Management Act, governs how NRIs move money in and out of India. All home loan repayments must come from NRE or NRO accounts. We ensure your payment structure is fully FEMA-compliant.
Can I claim tax deductions on my home loan in India?
Yes. NRIs who file an Income Tax Return in India can claim deductions under Section 24(b) up to Rs 2 lakhs per year on home loan interest, and Section 80C up to Rs 1.5 lakhs per year on principal repayment. Consult your CA for your specific situation.
Can I prepay or close the loan early?
Yes. Floating rate NRI home loans have no prepayment penalty. Fixed rate loans may have a fee. Check with your specific lender.
What happens to my loan if I return to India permanently?
Your loan continues normally. You may be reclassified as a resident Indian which can affect the account type used for repayments. Our loan team guides you through this transition.
Your Complete Home Buying Journey
YesProp is with you at every step, before, during & after you buy.
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