Home loans that make buying simple
Compare home loan offers from SBI, HDFC, ICICI and more. Borrow up to ₹10 Crore, tenure up to 30 years, and rates starting at 8.40% p.a.
Why choose Catfin
From 8.40% p.a.
Competitive floating and fixed rate home loans.
Loan up to ₹10 Cr
Finance up to 90% of property value.
Tenure up to 30 years
Long tenure to keep EMIs manageable.
Balance transfer
Switch your loan to a lower rate and save lakhs.
Compare top lenders
Transparent side-by-side comparison of the most competitive offers on Catfin.
SBI Home Loan
HDFC Home Loan
RBI-Regulated Partners
All lenders on Catfin are licensed by the Reserve Bank of India.
Transparent Pricing
No hidden fees. All charges disclosed upfront before you apply.
Eligibility & documents
Who can apply
- Indian citizen, age 21–65 at loan maturity
- Monthly income ₹25,000+ (salaried) or turnover ₹40L+ (self-employed)
- CIBIL score 700+ for best interest rates
- Minimum 2 years work experience or business vintage
- Stable residence and employment history
Documents required
- PAN card and Aadhaar card (KYC)
- Salary slips (last 3 months) or ITR (last 2 years)
- Bank statements (last 6 months)
- Proof of address — utility bill / rent agreement
- For business: GST returns, financials, MSME / Udyam certificate
How Catfin works
From comparison to money in your account — four simple steps, fully digital.
Compare
Browse curated offers from RBI-regulated lenders.
Apply
Fill one simple form with Aadhaar-based digital KYC.
Approve
Instant in-principle decision from matched lenders.
Disburse
Money credited directly to your bank account.
Calculate your EMI
Estimate your monthly payment. Built for the Indian market — uses the standard reducing-balance formula used by every RBI-regulated lender.
- Principal
- ₹10,00,000
- Total Interest
- ₹2,89,634
- Total Payable
- ₹12,89,634
Fees & charges
| Charge | Amount |
|---|---|
| Processing fee | Up to 2.50% of loan amount |
| Prepayment (floating) | Nil for individual borrowers |
| Prepayment (fixed) | 2% – 5% of outstanding |
| Late payment | 2% per month on overdue EMI |
| Loan cancellation | ₹1,000 + GST |
| Document / statement reissue | ₹500 per request |
Indicative industry charges. Final fees vary by lender and borrower profile. All charges disclosed in the sanction letter before disbursal.
What our customers say
“Got my working capital loan in 48 hours. The comparison tool saved me 1.2% on interest.”
“Clear breakdown of fees and EMI. No surprises at disbursal. Best fintech experience in India.”
“Home loan balance transfer through Catfin saved my family ₹3.2 lakh over the remaining tenure.”
Frequently asked questions
What LTV can I get?+
Up to 90% Loan-To-Value for properties under ₹30 Lakh; up to 80% for properties above ₹30 Lakh.
Is pre-approval possible?+
Yes. Get a pre-sanction letter before shortlisting property to strengthen your negotiation.
Tax benefits?+
Section 80C (principal up to ₹1.5L) and Section 24 (interest up to ₹2L) deductions available.
Floating rates linked to RBI Repo rate and may change. Final rate depends on credit profile and loan amount.