Buy, build, renovate or transfer your home loan. Up to ₹10 crore, 30-year tenures, doorstep documentation and expert rate negotiation across India.
As of July 2026, home loan rates start around 7.35% p.a. for salaried borrowers with a 750+ credit score, following the RBI's recent repo-rate cuts. Most approved borrowers pay between 7.35% and 9.5% depending on lender, loan amount and profile.
Two limits apply: your income (EMIs usually capped at ~55% of net monthly income) and the property's value — RBI allows up to 90% funding for homes up to ₹30 lakh, 80% up to ₹75 lakh, and 75% above that. The lower of the two is your eligibility.
Usually yes if your current rate is 0.5%+ higher than today's best offers and 5+ years of tenure remain. On a ₹40 lakh balance, even a 0.75% cut saves roughly ₹4–7 lakh over the loan. Our balance-transfer calculator shows your exact figure in seconds.
Indicative criteria — we routinely place borderline profiles with the right lender.
| Criteria | Typical requirement |
|---|---|
| Age | 21 – 65 years (at loan maturity) |
| Minimum income | ₹25,000 / month onwards |
| CIBIL score | 730+ for best rates · 700+ workable |
| Funding (LTV) | Up to 90% of property value |
| Property | Ready, under-construction, plot+construction, resale |
We collect everything from your doorstep and pre-check it before the bank sees it.
Assumes starting rate of p.a. — open the full EMI calculator for custom rates & schedule.
Lock a lower rate and this drops further. Our average negotiation saves borrowers thousands per year.
Get my real offers →| Charge | Typical range |
|---|---|
| Processing fee | 0.25% – 1% (often capped ₹10k–₹25k) |
| Prepayment (floating rate) | ₹0 — free by RBI rule |
| Legal & valuation | ₹3,000 – ₹10,000 |
| WowCred service fee | ₹0 — free for borrowers, always |
🎁 Processing-Fee Refund Offer* — on select disbursals through WowCred, up to 100% of the processing fee is refunded to you after disbursal. Offer terms.
| Lender category | Indicative rate (p.a.) | Best for |
|---|---|---|
| Leading private banks | 7.35% – 8.75% | Best rates for 750+ scores |
| Public-sector banks | 7.40% – 8.60% | Low fees, government employees |
| Housing finance cos (HFCs) | 8.25% – 10.5% | Flexible norms, self-employed, plots |
| Affordable-housing HFCs | 10% – 13% | Informal income, small-ticket homes |
One short form. We do the running around.
2-minute form or a chat with Wow AI. No documents needed to see offers.
⚡ 2 minutesOur engine screens 40+ lender policies; your dedicated manager negotiates the rate down.
⏱ within 30 minCompare your best 3 offers side by side — EMI, rate, fees. Zero pressure, you decide.
🤝 your callDigital KYC and doorstep document pickup. Money lands directly in your bank account.
💸 24–72 hrs*Under the old tax regime you can claim up to ₹1.5 lakh a year on principal (Section 80C) and up to ₹2 lakh on interest (Section 24b) for a self-occupied home — up to ₹3.5 lakh in total deductions. The new regime doesn't offer these for self-occupied homes, so choose your regime carefully with your CA.
Over 90% of Indian home loans are floating, and for good reason: floating rates are lower, fall when RBI cuts rates, and carry zero prepayment charges by RBI rule. Fixed suits only those who need certainty in a rising-rate cycle. Right now, floating is generally the smarter pick.
Yes — funds are released in stages linked to construction progress, and you pay interest only on the disbursed amount (pre-EMI) until possession. We verify that the project and builder are approved by our partner lenders before you commit.
Significantly. A earning co-applicant (spouse, parent) raises eligibility by combining incomes, can fetch a small rate concession for women co-owners with many lenders, and doubles the household's tax benefits. Most of our approved files above ₹50 lakh have a co-applicant.
730+ gets you the headline rates; 700–730 is approved with a small premium. Below 700, HFCs and affordable-housing lenders remain open at higher rates. Since home loans run 15–30 years, improving your score by even 30 points before applying can save lakhs.
A balance transfer moves your outstanding loan to a lender with a lower rate; a top-up adds extra funds on the same property at home-loan-like rates — far cheaper than a personal loan. We handle the entire transfer paperwork end to end, doorstep.
Get matched to the lender that says yes at the lowest rate — with doorstep docs and a manager who handles the builder–bank tango for you.