A home loan from the lender that suits you, not the one that called first.
Put in the loan and your income. You see every lender that will lend to you, ranked by rate, and then apply with an advisor beside you until the loan is disbursed.
Between your best and costliest offer, over 20 years
₹15.9 lakh
- 1Bank ABankLowest rateRate 7.50%EMI ₹48,336Total payable ₹1.16 Cr
- 2Bank CBankLowest rateRate 7.90%EMI ₹49,814Total payable ₹1.20 Cr
- 3Bank DBankLowest rateRate 7.99%EMI ₹50,149Total payable ₹1.20 Cr
- 4Bank EBankLowest rateRate 8.00%EMI ₹50,186Total payable ₹1.20 Cr
- 5Bank FBankLowest rateRate 8.35%EMI ₹51,501Total payable ₹1.24 Cr
- 6Bank HBankLowest rateRate 8.85%EMI ₹53,406Total payable ₹1.28 Cr
- 7NBFC INBFCLowest rateRate 9.25%EMI ₹54,952Total payable ₹1.32 Cr
Doesn’t fit these numbers
- HFC BHFCLowest rateCaps EMI at 50% of income; yours would be 51%Rate 7.50%EMI ₹48,336Total payable ₹1.16 Cr
- Bank GBankLowest rateCaps EMI at 50% of income; yours would be 56%Rate 8.75%EMI ₹53,023Total payable ₹1.27 Cr
11+ more lenders are checked when you apply.
Illustrative example. Lender names are withheld and figures are indicative; your real offers appear when you apply.
What every lender looks at.
The rules differ from lender to lender, which is exactly why the same borrower gets different answers.
- Income and existing EMIs
- Lenders cap how much of your take-home all your EMIs together can use, usually around half. Salaried borrowers show salary slips; self-employed borrowers show ITRs.
- Credit score
- The best starting rates usually go to scores of 750 and above. A lower score narrows the list; it rarely empties it.
- The property
- Its type, its stage (ready or under construction), clear legal title and the lender’s own valuation.
- Loan-to-value
- The share of the property’s value a lender may fund. RBI sets the ceiling by loan size; the rest is your down payment.
| Loan amount | Most a lender may fund |
|---|---|
| Up to ₹30 lakh | 90% of the property value |
| ₹30 lakh to ₹75 lakh | 80% |
| Above ₹75 lakh | 75% |
The application, in five steps.
It takes a few minutes. Keep a rough idea of your income and EMIs to hand; documents come later.
- The propertyApartment, independent house or villa, and what it costs.
- The loanHow much you want to borrow.
- Your incomeMonthly take-home if you are salaried, or annual income from your latest ITR if you are self-employed.
- Existing EMIsCar, personal or other loans you are already paying.
- Your offersAdd your name and mobile number, and see the lenders that fit, ranked by rate.
Documents, when you get there.
Your advisor sends the exact list for the lender you pick. Most ask for these.
- Identity
- PAN and Aadhaar
- Address
- Aadhaar, passport, or a recent utility bill
- Income, salaried
- Recent salary slips, bank statements and Form 16
- Income, self-employed
- ITRs with computation, bank statements and business proof
- Property
- Sale agreement or allotment letter, title documents and approved plan
Questions borrowers ask us
Is Unbias free to use?
Yes. Comparing offers, applying and working with an advisor costs you nothing at any stage. Any fees you pay are the lender’s own charges, such as processing fees, and your advisor lists them before you commit.
Will checking offers affect my CIBIL score?
No. Seeing your offers uses a soft check, which does not affect your credit score. A lender runs a full check only after you choose to apply with them.
How long does a home loan take?
With complete documents, approval can come in 3 to 5 working days. It depends on the lender and the property, and your advisor will tell you what to expect for your case.
What documents will I need?
Usually PAN and Aadhaar, address proof, income proof (salary slips and bank statements, or ITRs if you are self-employed) and the property papers. Your advisor sends you the exact list for the lender you pick.
Can I apply with informal or cash income?
Yes. Some of the NBFCs and housing finance companies we work with lend to borrowers with informal income. Your advisor will match you with them.
Talk to someone who knows every bank’s rules.
Message an advisor with your questions, or see your offers first and talk after. Either way, it costs you nothing.
