Home Loans
Get the best home loan rates with end-to-end assistance.
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What is Home Loans?
Buying a home across India — whether in Whitefield, Electronic City, Sarjapur Road, or North India's growing corridors — is one of the most significant financial decisions of your life. Getting the right home loan at the best interest rate can save you lakhs of rupees over the loan tenure. At Right Assets Management, we provide end-to-end home loan advisory — from helping you assess your loan eligibility and comparing offers across banks and NBFCs, to assisting with documentation, legal scrutiny, and disbursement. We work with over 20 lenders including SBI, HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, LIC Housing Finance, and Bajaj Housing Finance, ensuring you get the most competitive rate and terms suited to your profile. Interest rates on home loans in India are currently benchmarked to the RBI repo rate (EBLR-linked loans), and even a 0.25% difference in rate on a ₹50 lakh loan over 20 years can save over ₹2.5 lakh. We help first-time buyers understand the home loan process from sanction to disbursement, and assist existing loan holders in evaluating balance transfer options to reduce their EMI burden.
Who Is This For?
- First-time homebuyers across India looking to navigate the loan process with confidence
- Salaried IT and corporate professionals seeking maximum loan eligibility and best-rate offers
- Self-employed individuals and business owners who need specialist lender matching for irregular income profiles
- NRIs wanting to purchase residential property across India with NRI home loan products
- Existing home loan borrowers wanting to evaluate balance transfer options to lower their interest rate
- Property investors seeking loan against property (LAP) or home loan for a second property
How We Help — Step by Step
Eligibility Assessment
We assess your home loan eligibility based on income, existing liabilities, credit score, and employment type to tell you the maximum loan amount you can qualify for.
Lender Comparison
We compare home loan offers from 20+ banks and NBFCs on interest rate (fixed vs floating), processing fee, prepayment charges, and special schemes like PMAY for first-time buyers.
Document Preparation
We provide a comprehensive document checklist and guide you in compiling KYC, income, property, and legal documents accurately to avoid delays during processing.
Application Submission
We submit your application to the chosen lender(s) and act as your liaison with the bank's home loan team to ensure smooth processing.
Property Legal & Technical Clearance
We coordinate the bank's legal and technical verification of the property, ensuring the property you are buying has a clear title and meets lender requirements.
Sanction & Offer Letter Review
We review the sanction letter and loan agreement on your behalf, highlighting any clauses — on interest reset, prepayment penalties, or insurance mandates — you should be aware of.
Disbursement & Registration Support
We coordinate the loan disbursement timeline with the property registration process, ensuring funds are released as needed and the property is registered in your name without delays.
Why Choose Right Assets for Home Loans?
- Access offers from 20+ lenders and choose the best rate without approaching banks individually
- Avoid processing delays — we ensure your documents are complete and correctly formatted from day one
- Potentially save lakhs over your loan tenure by choosing the right lender and rate structure
- Claim home loan interest deduction up to ₹2 lakh per year under Section 24(b) of the Income Tax Act
- Claim principal repayment deduction under Section 80C (within the ₹1.5 lakh limit)
- Get guidance on PMAY-CLSS subsidies for eligible first-time buyers under the pradhan mantri awas yojana scheme
- Benefit from balance transfer advisory if your existing home loan rate can be meaningfully reduced
Documents Required
Frequently Asked Questions
What is the maximum home loan amount I can get across India?
Most banks finance up to 75–90% of the property value depending on the loan amount. The exact eligibility depends on your monthly income, existing EMIs, credit score, and the property value. Generally, banks sanction home loans up to 60 times your net monthly salary. We assess your specific profile and tell you the realistic maximum you can borrow.
What is the current home loan interest rate in India?
Home loan interest rates as of 2025 range from approximately 8.5% to 11% per annum depending on the lender, your credit score, loan amount, and whether the rate is fixed or floating. Floating rates are linked to the RBI repo rate (EBLR). We compare live rates across lenders to find the best option for your profile.
What tax benefits do I get on a home loan?
You can claim a deduction of up to ₹2 lakh per year on home loan interest paid under Section 24(b) for a self-occupied property. Principal repayment qualifies for deduction under Section 80C within the overall limit of ₹1.5 lakh per year. For an under-construction property, pre-EMI interest can be claimed in five equal instalments after possession.
Should I choose a fixed or floating interest rate?
Floating rate loans are benchmarked to the RBI repo rate (EBLR) and adjust with RBI policy changes. Fixed rate loans are typically 1–2% higher but offer predictability. Given that most home loans run for 15–20 years and interest rate cycles change, floating rates have historically been more cost-effective for long-tenure loans. We advise based on current rate cycle conditions.
Can a self-employed person get a home loan across India?
Yes. Banks and NBFCs offer home loans to self-employed professionals and business owners. You will need to submit ITR for the last 2–3 years, audited financial statements, and bank statements. Some NBFCs have flexible income assessment methods for business owners with variable cash flows. We identify the right lenders for self-employed profiles.
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