Affordable Housing Loan
Own your dream home with financing up to ₹10 Crore, at rates starting 8% p.a.
About Affordable Housing Loan
An affordable housing loan is designed to help eligible individuals and families purchase, construct or improve a reasonably priced residential home. It may be suitable for first-time buyers and households looking for a manageable housing-finance solution.
We are partnered with India's leading Banks and NBFCs to offer home loans starting at just 8% p.a., with high loan-to-value and tenure up to 30 years.
With minimal documentation, quick property evaluation and a dedicated relationship manager, your home-buying journey stays simple from start to finish.
New Home Purchase
Buy your dream ready-to-move or under-construction home with easy financing.
Home Construction
Fund the construction of your house on a plot you already own.
Home Renovation
Repair, extend or renovate your existing home without disturbing your savings.
Balance Transfer
Transfer your existing home loan for a lower interest rate and better terms.
Plot + Construction
Combined financing to buy a plot and construct your home on it.
Top-Up Loan
Get additional funds over your existing home loan for any personal need.
Features & Benefits
Everything that makes a PaisaEHub.com Home Loan the right choice for your dream home.
Loan up to ₹10 Cr
Finance from ₹20 Lakh up to ₹10 Crore based on property value, income and monthly obligations.
Attractive Rates
Interest rates starting at 8% p.a., among the lowest in the market.
Long Tenure
Repay comfortably over a tenure of up to 30 years (360 months).
High LTV
Loan-to-value of up to 90% of the property's market value as per loan amount.
Balance Transfer Benefit
Switch your existing home loan and save on interest with a lower interest home loan with additional in hand loan amount.
Doorstep Service
Dedicated relationship manager and doorstep document pickup across India.
Eligibility & Documents
Check if you qualify and what paperwork you'll need to keep ready.
Eligibility Criteria
| Age | 24 to 75 years at loan maturity |
| Employment | Salaried, self-employed or Professional with stable income |
| Minimum Income | ₹40,000 per month |
| Credit Score | 650 and above (CIBIL) |
| Property | Registered property required, General Power of Attorney done by last seller not doable |
| Residency | Indian resident or NRI (as per lender policy) |
Documents Required
- ✓PAN Card & Aadhar Card
- ✓Latest 3 months salary slips (salaried)
- ✓Latest 12 months bank statement
- ✓Form 16 for last 2-3 years
- ✓Property documents (sale deed complete chain, allotment letter etc.)
- ✓Passport size photograph
- ✓Latest 3 years Form 26AS
- ✓Latest 3 years ITR and complete financials (Self-employed)
Interest Rate & Charges
Transparent pricing — no hidden costs, ever.
| Interest Rate | 8% p.a. onwards |
| Loan Amount | ₹20 Lacs – ₹10 Cr. |
| Tenure | Up to 360 months (30 years) |
| Loan-to-Value (LTV) | Up to 90% of property value |
| Processing Fee | As per customer profile, loan amount and lender policy |
| Pre-payment Charges | Nil for floating rate home loans (individual borrowers) |
| Part payment charges | Nil for floating rate home loans (individual borrowers) |
*Final interest rate and charges depend on the partner bank/NBFC, property, applicant profile and credit score.
EMI Calculator
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Step Into Your Dream Home, Today
Apply NowFrequently Asked Questions
Answers to the most common questions about our Home Loan.