Best Home Loans in Delhi

Tell us more about your requirements so that we can connect you to the right Best Home Loans in Delhi

What type of home loan do you need?
  • New home loan
  • Balance transfer
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What type of property is the loan for?
  • Independent house
  • Flat / apartment
  • Plot
  • House construction
  • Plot & construction
  • House extension / renovation
Select type of property
What loan amount are you looking at?
  • Less than 10 lakhs
  • 11 - 20 lakhs
  • 21 - 35 lakhs
  • 36 - 55 lakhs
  • More than 56 lakhs
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What is your CIBIL defaulter status?
  • Non-CIBIL defaulter (Score above 700)
  • Not sure
  • CIBIL defaulter (Score below 700)
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  • Salaried
  • Self-employed
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  • Rs 20,000 - 40,000
  • Rs 40,000 - 60,000
  • More than Rs 60,000
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Housing Loan at Sulekha

Sulekha has served 1500+ Home Loans in the last 30 days. Find 1790+ quick & instant housing loan for independent house, flat / apartment, plot, home construction, home extension/renovation at lowest EMI & interest rates from Top banks like HDFC, ICICI, Axis, Kotak, SBI, Standard Chartered, Indusind, Canara Bank, Citibank, Corporation Bank, etc with CIBIL/NON-CIBIL defaulter. The loan amount ranges from Rs. 25,000 to Rs. 25 Lakhs with a tenure period of one to five years & minimum EMI interest rate.

Top List of Home Loan Agents in Delhi

as on May 24, 2022
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  • Type of loan
  • Locality
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  1. Hari Om Financial Services

    B1 262, Janakpuri

    Home Loans

    B1 262, Janakpuri, Delhi - 110058
  2. Samariddhi -Delhi-Home Loans


    Siddhartha Extention, Hari Nagar Ashram
    2 Reviews 7.4

    Home Loans

    Guest reviewed for Home loans 29th Apr, 2019

    The services given by the customer was really excellent and I wish them all the best for ur future

    No. 80B, Pocket C, Siddhartha Extention, Hari Nagar Ashram, Delhi - 110014 Get Directions
  3. N.M. Rathi & Associates-Delhi-Home Loans

    N.M. Rathi & Associates

    Also Servicing in Delhi

    Home Loans

    Basiwala Tower, No. 109, Spana Sangeeta Road, Sneh Nagar, Indore H O, Indore - 452001 Get Directions
  4. All About Finances-Delhi-Home Loans

    All About Finances

    B Block, Dilshad Garden
    5 Reviews 7.0

    Home Loans

    Prabhat reviewed for Home loans 23rd May, 2022

    Best service provider in delhi ncr

    Guest reviewed for Home loans 23rd May, 2022

    Best service provider in delhi ncr

    B-34, F1, B Block, Dilshad Garden, Delhi - 110095
  5. Fina Capita Services

    Also Servicing in Delhi

    Home Loans

    Chamber No.738, Ground Floor, District Court, Compound Ghaziabad,Sector 5,Ghaziabad - 201001, Sector 5, Ghaziabad - 201001 Get Directions
  6. DMG Finance

    India, Rohini
    2 Reviews 7.1
    Offer ₹1000 Off View offer

    Home Loans

    Guest reviewed for Home loans 9th Feb, 2022

    !! Professional Service!! !! Must try them!!

    Megha reviewed for Home loans 8th Feb, 2022

    A Professional Enterprise. !!! Must Use them

    Shop No.10, 1st Floor, DDA Market ,E Block, Prashant Vihar, Sector 14, Rohini, Delhi, 110085, India, Rohini, Delhi - 110085 Get Directions
  7. Creative Roots Services-Delhi-Home Loans

    Creative Roots Services

    India, Uttam Nagar West
    5 Reviews 7.1

    Home Loans

    deepak reviewed for Home loans 12th Jun, 2021

    Superb services ...........great consultants......door step services......

    Great Kumar reviewed for Home loans 2nd May, 2021

    Team is very intelligent accordingly to customer profile

    B 61 dal mill road uttam nagar, Block A 3, Uttam Nagar, Delhi, 110066, India, Uttam Nagar West, Delhi - 110066 Get Directions
  8. Service Hub-Delhi-Home Loans

    Service Hub

    Block D-1-B, Janakpuri
    1 Review 9.0

    Home Loans

    22-B, Block D-1-B, Janakpuri, Delhi - 110058
  9. Dashfiniv Cunsultants LLP-Delhi-Home Loans

    Dashfiniv Cunsultants LLP

    Third Floor, East of Kailash

    Home Loans

    Kailash Hills, Building No 100, Third Floor, East of Kailash, Delhi - 110065
  10. GRD India Financial Services Private Limited

    110018, Ashok Nagar
    2 Reviews 7.4

    Home Loans

    Narinder reviewed for Home loans 18th Apr, 2022

    Good Company in Delhi NCR

    Suraj reviewed for Home loans 17th Sep, 2021

    GRD India Financial Services is one of the best services as per my experience. They have good loan provider services along with their guiders .they have amazing policies according to customer budget, so if anyone is looking for Home Loan, i must say go with GRD INDIA.

    45/8, F/F, Ashok Nagar , Delhi, 110018, Ashok Nagar, Delhi - 110018

Latest User Reviews of housing loans in Delhi

as on May 24, 2022 Average Rating (4) - 115 reviews
23rd May, 2022

Best service provider in delhi ncr

18th May, 2022

I took a loan from Vijay Adhikari who represented himself as AIFA employee and he collected my documents for a home loan. During process of homeloan i was getting offers from other vendors that if I file loan from then then i will get my processing Fee waived and vendor will give it back to me from their commission which they get from bank. Either, by cash, checque or a subvent option. my fault was i did not took PDC from him and trusted him He actually did not took anything from me however, played in a foul manner using AIFA name and AIFA gave him task to collect in their behalf and file loan from bank of baroda. Commission amout was taken by AIFA and now i was told that Vijay Adhikari does not work for them and is on a contract basis. :) LOL To me its no profit no loss however, AIFA need to keep and eye on vendors they are choosing as they are using name of AIFA and then be responsibile for their deeds and immidiately shun their services for cheating customer's in any form

18th Apr, 2022

Good Company in Delhi NCR

16th Apr, 2022

Bajaj finance contact number O6200160411//O8617812097. call me problem solve 24 hours available O62. factory contact number O93. me problem solve 24 hours available093..

29th Mar, 2022

Fast & Easy Process I Got The Loan Very Fast and Hassel Free Thanks Loan Up Kart Team for Fullfill My Dream

20th Mar, 2022

G,o,o,d, l,o,a,n. S,e,r,v,i,s,e

28th Feb, 2022

Excellent management , Excellent job

9th Feb, 2022

!! Professional Service!! !! Must try them!!

  • Page 1

Recent Enquiries for home loans in Delhi

  • Loan type: New home loan
  • Type of property: Flat / apartment
  • Home loan amount: 11 - 20 lakhs
  • CIBIL defaulter status: Not sure
  • Nature of employment: Salaried
  • Company Name: Tranistics
  • Income range for home loans: More than Rs 60,000
2 days ago
  • Loan type: New home loan
  • Type of property: Flat / apartment
  • Home loan amount: 36 - 55 lakhs
  • CIBIL defaulter status: Non-CIBIL defaulter (Score above 700)
  • Nature of employment: Salaried
  • Company Name: Optum Global Services
  • Income range for home loans: More than Rs 60,000
2 days ago
  • Loan type: Balance transfer
  • Type of property: Flat / apartment
  • Home loan amount: 36 - 55 lakhs
  • CIBIL defaulter status: Non-CIBIL defaulter (Score above 700)
  • Nature of employment: Self-employed
  • Company Name: Sterling solution
  • Income range for home loans: More than Rs 60,000
3 days ago
  • Loan type: New home loan
  • Type of property: Independent house
  • Home loan amount: 11 - 20 lakhs
  • CIBIL defaulter status: Non-CIBIL defaulter (Score above 700)
  • Nature of employment: Salaried
  • Company Name: Navisite
  • Income range for home loans: More than Rs 60,000
6 days ago

Recent Bookings of housing loan agents in Delhi

  • Loan type: Balance transfer
  • Type of property: Flat / apartment
  • Home loan amount: 11 - 20 lakhs
  • CIBIL defaulter status: Non-CIBIL defaulter (Score above 700)
  • Nature of employment: Salaried
  • Company Name: Para military force
  • Income range for home loans: Rs 40,000 - 60,000
208 days ago
  • Loan type: New home loan
  • Type of property: Independent house
  • Home loan amount: 21 - 35 lakhs
  • CIBIL defaulter status: Non-CIBIL defaulter (Score above 700)
  • Nature of employment: Salaried
  • Company Name: Genpact
  • Income range for home loans: Rs 20,000 - 40,000
229 days ago
  • Loan type: New home loan
  • Type of property: Flat / apartment
  • Home loan amount: 11 - 20 lakhs
  • CIBIL defaulter status: Non-CIBIL defaulter (Score above 700)
  • Nature of employment: Salaried
  • Company Name: IBD Traders
  • Income range for home loans: Rs 20,000 - 40,000
602 days ago
  • Loan type: New home loan
  • Type of property: Flat / apartment
  • Home loan amount: 11 - 20 lakhs
  • CIBIL defaulter status: Non-CIBIL defaulter (Score above 700)
  • Nature of employment: Salaried
  • Company Name: Patanjali ayurved
  • Income range for home loans: Rs 20,000 - 40,000
606 days ago

Compare Home Loan Interest Rates & Charges (May, 2022)

Bank NameInterest Rate
Processing fee
(One Time Fee)
Loan Amounttenure range
HDFC8.35 - 8.55%0.50%5L - 10Crs1-30 Yrs.
ICICI8.35 - 8.80%0.50%5L - 10Crs3-30 Yrs.
SBI8.30 - 8.60%Rs.2-10K-1-30 Yrs.
PNB Housing8.50 - 10.25%0.50%Min 5L1-30 Yrs.
Axis8.35 - 11.75%0.50%5L - 10Crs1-30 Yrs.
LIC Housing--Min 1L5-30 Yrs.
Bank of Baroda8.30 - 9.35%Rs.7.5-20K1L - 2Crs1-30 Yrs.
IDBI8.35 - 8.60%-5L - 10Crs1-30 Yrs.
DHFL9.00 - 9.35%Rs.5-20K1L - 10Crs1-30 Yrs.
Union Bank8.60%0.50%1L - 2Crs1-30 Yrs.
Vijaya Bank8.90%0.50%Min 1L1-30 Yrs.
Indian Bank8.60 – 9.05%-5L - 10Crs1-30 Yrs.
*Interest rates are above based on recent customer reviews & its floating

Get Home Loan in Delhi through Sulekha

The rates of the properties are increasing at a rapid speed. It seems hard to fulfill the dream of owning a house. However, you can make your dream come true of owning a house by borrowing money from a reputed bank or a financial institution. Nowadays, getting a home loan has become easier. Now, you can also own a house. However, for getting a loan, you need the assistance of an experienced financial advisor. The experts would help you to know your eligibility and understand the process of the loan application. At Sulekha, we bring you to a list of verified and genuine home loan agents. For finding a reputed financial consultant, fill the above form. The dependable advisors from your location would get in touch with you. You can have a word with the experts and clarify all your doubts. Through interaction, you would be able to gather information and select the experienced advisor for assistance.

Top 10 Banks for Home Loans 2022

  • HDFC
  • SBI
  • Axis
  • PNB Housing
  • IDBI
  • Bank of Baroda
  • Corporation Bank
  • Canara Bank
  • Indian Bank

Types of Home loan

  • Plot & Construction Composite Loan: Plots and construction composite loans are applicable if you have identified a land plot and decided to construct it. This loan generally ranges over a time period of 1 to 20 years. However, tenure does not extend after the age of retirement.
  • Loans for Purchase of Land: Loans for purchase of land can be availed on plots that are directly allocated or on purchase of resale plots. It also includes transferring the outstanding loan you have in another bank/financial institution. You can spread out your payments to a maximum of 15 years and your payments are based on your personal profile, the age of the plot and other such factors.
  • Loans for Home Purchase: You can borrow a home loan to buy a residential property such as flats, individual houses, apartments, etc, Loans for home purchases generally involve down payments and closing costs. It may be extended up to a period of 30 years. The down payment generally ranges from 3 to 20 percent of the house value. To avail of a home loan, you may need a credit score of 580 or higher.
  • Loans for Construction of a House: Many people have land but lack the finances. Financial institutions provide home loans to individuals who wish to construct their dream house on the land/plot owned by them. Loans for construction of home generally range from a period of 1 to 20 years. However, in specific cases, it may be extended to 30 years. Loans for construction of a house are applicable for construction on a freehold/lease plot or a plot allotted by the suitable development authority.
  • House Expansion or Extension Loans: If you wish to expand your existing house, you can borrow the money from the bank. The licensed financial institutions, as well as banks, lend money for the extension of the house also. All owners of the house should be co-applicants while applying for Home Extension Loans. Home extension loans can be paid over a tenure ranging from 1 to 20 years in the form of monthly installments.
  • Home Conversion Loans: Home Conversion Loans are applicable to those who have already obtained a home loan from another bank or financial institution and are looking to shift their loan for a lower rate of interest or alternate the interest spread over the years.
  • Loans for Home Improvement: The individuals owning a house but lack the funds for the repairing or remodeling the house can borrow this loan. You can borrow the money for the renovation of the house like painting, repairing, electrical wiring, water-proofing, etc. According to the overall budget, 75-90 percent of the cost can be covered using a loan and may extend for a tenure between 1 and 20 years.
  • Balance Transfer Home Loans: Balance Transfer for Home Loans is advantageous and applies to people who have already obtained a home loan from a bank/financial institution and are looking to shift to another bank to either alter their tenure or reduce their rate of interest.
  • NRI Home Loans: NRI home loans are applicable to Indians living abroad when they wish to buy property in India. To qualify for this, they must adhere to certain eligibility criteria like having lived there for a minimum of 2 years and having worked there for a minimum of 6 months.
  • Bridged Loans: Bridge loans are short term loans that are obtained by clients who require immediate financing. Bridge loans are obtained by people for a temporary slack until they get their permanent financing. These bridge loans are backed by relatively higher interests and extend up to a term of a year at the most.
  • Stamp Duty Loans: Stamp duty is the fee that is levied on documents and instruments, which varies from state to state. All documents that pass through the state are subjected to stamp duty. Stamp duty is required to prove the validity of the documents in the respective state.
  • Home Loans for Self Employed: A majority of the working force are not professionals; hence nonprofessionals, small retailers, accounts, doctors, etc. fall under this category and are eligible for obtaining a loan for a tenure up to 30 years. Hence, the EMI amount to be paid is reduced. However, this loan does not extend for the period after retirement.
  • Home Loans for Salaried: Home Loans for Salaried employees extend from a period of 1 to 20 years. The minimum eligibility for obtaining a home loan starts from a monthly salary of INR 5000. Depending upon various factors like the maturity of the loan, salary, tenure of the loan, the home loan may be obtained.
  • Fixed-rate loan: The fixed-rate loan allows the borrower to accurately estimate their tenure with no altercations whatsoever. Interest rates do not fluctuate and are not subject to discounts, perse.
  • Adjustable-rate mortgage: An adjustable-rate mortgage is one in which the interest paid by the borrower keeps varying periodically throughout the tenure of the loan. The interest charges are dependent on the resets and may vary monthly or annually.
  • FHA loan: The FHA loan is insured by the federal housing agency as a sort of fallback to insure the borrower in case he defaults on the loan. Since FHA insures this, they try to look into the monetary capabilities of the borrower and how much he can afford.
  • VA loan: The VA loan is guaranteed by the government for members of the Veteran Association. It enables military personnel to avail the home loan without any down payment. The loan can be provided by any financial institution that is approved by the government to do so.
  • USDA loan: USDA is a mortgage assistance program initiated by the US government for those who wish to buy property in rural or suburban areas. USDA is most advantageous as it offers a mortgage with zero down payment options.
  • Balance Transfer: Sometimes, borrowers are not happy with the interest rate of their current home loan. In that case, they have the choice to transfer their home loan to another bank/lender who is offering better services and lower interest rates.

Home Loan Eligibility:

There are also some other factors that will determine your housing loan eligibility (Your age, financial position, credit history, credit score, other financial liabilities, etc.).
  • Age (21–65 years)
  • Educational qualifications
  • Job stability and income bracket
  • Credit score and repayment capacity
  • Liability of other loans, such as personal loans, credit cards, etc.
  • Assets such as property, jewelry, etc.

Benefits of taking Home Loan in Delhi

Borrowing a home loan can privilege you numerous advantages such as
  • You can buy a home and build an asset for a lifetime.
  • You need not worry about the monthly rent. In spite of rent, you would pay EMI and get your own house.
  • You can get tax benefits towards the interest paid on the home loan.

Factors to Your Home Loan Eligibility

  • Clearing Existing Loans: Outstanding loans may dampen the chances of eligibility. It is advised that if you take a subsequent loan, you plan them accordingly to avoid any hassle.
  • Variable Pay: It is important that you keep a track of the variable pay that comes with your salary package to keep an eye on your eligibility.
  • Rental Income: If you have a house that is out of use, take the time to lease or rent it out. You can show this as an additional income while you apply for the loan.
  • Increase in Tenure: Gauge how much you can pay off with your income and calculate your tenure. Make sure EMIs do not interfere with your lifestyle. You can increase your tenure accordingly, but the downside of it is that the interest is proportional to the tenure.
  • The income of the Spouse: In the case that your spouse has a regular source of income, it is highly advantageous as the chances of eligibility go quite high. You can apply for a joint loan together as it may be beneficial in bringing down the loan tenure as well.
  • Take the Time You Need: Before you apply for a loan, make sure you sit down and evaluate all factors like CIBIL, credit score, etc. and make sure you qualify all the eligibility criteria.

Factors that can Affect Your Home Loan Eligibility?

  • Age- Age is a major factor that affects loan eligibility. Professionals around the age of 25 can apply for an EMI tenure of 25 years. However, the difficult part is obtaining approval for borrowers over the age of 40 or 50 as loan tenures do not extend after retirement.
  • Income- Salaried/individual- Employees who are working for a government or a private agency fall under this category. Before they apply for a loan, they are required to submit documents supporting their PF, salary statement, Form 16 and others.
  • Independent professionals- Doctors, engineers, dentists, chartered accountants, etc. fall under this category. They would have to submit their bank statements and income tax returns to get their loan approved.
  • Self-employed- Individuals that run their own business come under this category. They can show their bank statements and income tax returns (duly audited) as proof of their income when they apply for the loan.
  • Rate of interest- The rate of interest can be calculated quite easily. The higher the rate of interest, the lower the eligibility, and vice versa. Hence, they are inversely proportional.
  • Loan Term- The loan term is subject to the convenience of the borrower. The increase of the loan tenure indicates higher eligibility, however, the major downside of this would be losing a lot of money in interests.
  • Outstanding Loans- You may apply for another loan while you’re already in the midst of paying one, as Indian banks generally keep the EMI-Income Ratio from 50 to 60 percent. In some cases though, outstanding loans maybe reduce the eligibility of you getting a loan.
  • CIBIL Report- Credit Information Bureau India Limited keeps centralized data of all the credit history between the borrower and the lender. A negative score on CIBIL can cause a significant downfall in the eligibility.
Read More

FAQ - Best Home Loans in Delhi

  • Q. What key factors I need to consider while choosing a home loan consultant?

    Borrowing money for a home is not an easy task. To apply for a home loan, you need the assistance of an expert. If you are looking for a home loan consultant, keep the following factors in your mind

    • The reputation of the consultant
    • Brokerage fee of the advisor
    • Experience of the agent
    • Number of loans the agent got approved and many more
  • Q. What is the procedure of foreclosing a home loan?

    In case you are ready to foreclose your loan and become debt-free, you can get in touch with the relationship manager and understand the process of foreclosing of your home loan.
  • Q. For which type of property can I apply for a home loan?

    The reputed banks as well as financial institutions, provide home loans for a different type of properties such as

    • Plot
    • Independent house
    • House construction
    • Flat/apartment
    • Plot and construction
    • Renovation/house extension
  • Q. What are the different home loan types?

    The reputed financial advisors listed at Sulekha offer the assistance for both new home loan as well as balance transfers.
  • Q. What are the documents required for the application of a home loan?

    The documents required for borrowing home loans vary from one financial institution to another. The standard documents that an individual needs for a home loan application include

    • Residence proof
    • Documents of property to be pledged
    • Salary slip of last three months (salaried person)
    • ITR of last two years (self-employed person)  
    • Identity Proof (Adhaar Card, PAN Card, Voter ID, Driving license)
    • Form 16
    • Bank statements of the last six months
    • Two passport-sized photographs and many more
  • Q. How can Sulekha help me in finding dependable home loan advisors near me?

    Sulekha is a leading online business directory. At Sulekha, we connect you to more than twelve thousand five hundred sixty trusted and verified consultants offering home loan assistance. If you wish to locate an experienced financial advisor in your area, fill the form above with your basic information. The reputed agents near you would contact you. You can shortlist the advisors based on their experience as well as ratings and choose the one offering assistance at an affordable fee.

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