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Home Loan & LAP

Purchase, construct or mortgage — DealGini works with 21 banks and NBFCs to find the best home loan or loan against property for your specific situation and income profile.

Loan Amount ₹10 Lakh – ₹10 Crore
Tenure 12 – 240 months (up to 20 years)
Processing Fee 0.25% – 1%
Turnaround 7–15 working days
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Loan Details

Everything you need to know
before you apply.

Key Figures
Loan Amount₹10 Lakh – ₹10 Crore
Repayment Tenure12 – 240 months
Processing Fee0.25% – 1% of loan amount
Typical Turnaround7–15 working days
Principal Partners21 Banks & NBFCs
Interest RateDiscussed at application
Loan Types Covered
Home Purchase Loan Home Construction Loan Home Extension / Renovation Loan Against Property (LAP) Balance Transfer Top-Up Loan
Who Can Apply

Eligibility criteria.

These are general guidelines. DealGini works with multiple lenders — if you don't meet one lender's criteria, we find another that fits your profile.

Age
21–70 years at loan maturity
Applicant Type
Salaried, Self-employed, NRI (select lenders)
Income — Salaried
Minimum ₹20,000/month net salary; 2+ years employment
Income — Self-employed
ITR for 3 years with positive net income trend
Credit Score
700+ preferred for best rates; 650+ for most lenders
Property
Clear title, approved plan, RERA registration (where applicable)
What to Prepare

Documents checklist.

Keep these ready before applying. Our team will guide you on exactly which documents your chosen lender needs.

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Identity Proof
Aadhaar Card + PAN Card (mandatory for both)
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Address Proof
Aadhaar / Utility Bill / Passport
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Income — Salaried
3 months salary slips + 6 months bank statements + Form 16
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Income — Self-employed
ITR 3 years + P&L + Balance Sheet + 12 months bank statement
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Property Documents
Sale agreement / Title deed / Approved plan / NOC from society
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Photographs
2 passport-size photographs of all applicants
EMI Calculator

Estimate your monthly payment.

This is an indicative calculation only. Actual EMI depends on the lender's interest rate and your profile.

Loan Amount ₹10,00,000
Interest Rate (% per annum) 12%
Tenure 36 months
Estimated Monthly EMI
₹33,214
₹10,00,000
Principal
₹1,95,704
Total Interest
₹11,95,704
Total Payable

* Indicative only. Actual rate depends on lender, credit profile and loan type. Contact DealGini for a precise quote.

Apply Now

Get started in
3 minutes.

Fill the form and our team will call you within 2 business hours. We'll assess your profile, suggest the best lender and guide you through the entire process — at no cost to you.

Apply for Home Loan & LAP
Free consultation. No commitment required.

Your information is kept confidential. We never share your details with third parties without your consent.

Common Questions

Frequently asked
questions.

What is the difference between a home loan and LAP?+
A home loan is for purchasing or constructing a residential property. LAP (Loan Against Property) lets you borrow against a property you already own — the funds can be used for any purpose.
Can I apply jointly with my spouse?+
Yes, and it's often recommended. Joint applications with a co-earning spouse can increase loan eligibility and may attract a lower interest rate.
How is the loan amount decided?+
Lenders typically fund 75%–90% of the property value. Your income, credit score and existing obligations also determine the final amount.
Can self-employed people with informal income get a home loan?+
Yes — some NBFCs offer home loans based on bank statement analysis rather than ITR. DealGini can identify the right lender for your income profile.
What is a balance transfer and when should I consider it?+
A balance transfer moves your existing home loan to a new lender at a lower rate. It makes sense when the rate difference is at least 0.5% and significant tenure remains.
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