Home loans that help you
For a new house, flat, kothi or apartment, a plot to build on, or renovating and furnishing your current home. Loans from ₹5 lakh, with approval generally within 7 working days of a complete file.
- Higher amounts
- Ex-banker credit team
- Multi-lender comparison
Home Loan, explained simply
A home loan is given for a new home purchase (house, flat, kothi or apartment), to buy a plot and build on it, or to renovate and furnish the house you live in.
Bhavya compares offers across banks and housing finance companies, prepares your file with our in-house credit team and stays with you from application to keys — and after, for top-ups and balance transfers.
- Loans starting from ₹5 lakh
- Generally approved within 7 working days of a complete file*
- Purchase, construction, plot + construction, renovation and furnishing
- Tax benefits on interest and principal under the old regime
- Balance transfer and top-up on existing home loans
- Women co-borrowers: lower stamp duty in Delhi
Know your numbers before the bank does
Home Loan Planner — Delhi RBI LTV + stamp duty
Loan = lower of (income-based max) and (property × RBI LTV: 90% ≤ ₹30 L · 80% ₹30–75 L · 75% above) · Delhi stamp duty 6% men / 4% women / 5% joint + 1% registration
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Home loan tax saver Sec 24(b) + 80C
Deduction = min(year-1 interest, ₹2 L) + min(year-1 principal, ₹1.5 L) · Tax saved = deduction × slab × 1.04 (old regime, self-occupied)
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
EMI calculator Formula
EMI = P × r × (1+r)ⁿ ÷ [(1+r)ⁿ − 1] · r = annual rate ÷ 12 ÷ 100 · n = months
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Who qualifies
Self-employed Criteria
- Proprietor, partner or director of the company
- Minimum age 23; loan to be repaid before age 65
- Regular ITRs with stable business income
Salaried Criteria
- Employee of a public / private limited company, MNC or government
- Minimum age 23; loan to be repaid before retirement
- Salary received by bank transfer
What you'll need
- Photograph of all applicants
- KYC: PAN card + Aadhaar / Passport / Driving Licence
- Residence proof: Passport / Voter ID / Driving Licence / recent electricity or telephone bill
- Office proof: GST registration / Udyam certificate / utility bill of the premises
- Income proof: last 2 years ITR with computation of income and financials
- Bank statement: last 6 months of the main business account
- Constitution proof: MOA–AOA / partnership deed (for companies and firms)
- Existing loans: repayment schedules / sanction letters of all running loans
- Property: copies of the papers of the property being purchased
- Photograph of all applicants
- KYC: PAN card + Aadhaar / Passport / Driving Licence
- Residence proof: Passport / Voter ID / Driving Licence / recent utility bill
- Employment proof: Employee ID / appointment letter / Form 16
- Income proof: last 3 months' salary slips
- Bank statement: last 6 months of the salary account
- Existing loans: repayment schedules of all running loans
- Property: copies of the papers of the property being purchased
Tip: use our document checklist builder to tick off what you have and send the pending list to us on WhatsApp.
When this loan is the right tool
From first question to disbursal, in four steps
Check eligibility
Use a calculator or the 3-step check. No effect on your credit score.
Share documents
Our checklist tells you exactly what's needed — send it on WhatsApp or drop it at our office.
Ex-banker pre-check
Our in-house credit team reviews your file and selects the lenders most likely to approve at the best rate.
Sanction & disbursal
We follow up with the lender until the money is in your account — and stay for after-sales support.
Home Loan: your questions answered
Two limits apply: what your income can repay (lenders usually keep total EMIs within roughly half to 60% of income) and RBI's loan-to-value cap — up to 90% of the property value for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh. Our calculator applies both.
The down payment (property value minus loan) plus stamp duty — 6% for men, 4% for women and 5% for joint ownership in Delhi — and 1% registration. The Home Loan Planner adds it all up.
Yes. In Delhi stamp duty is 4% for women versus 6% for men, which saves 2% of the property value at registration.
Under the old tax regime, interest up to ₹2 lakh a year on a self-occupied house is deductible under Section 24(b), and principal up to ₹1.5 lakh under Section 80C. Use our tax calculator for an estimate.
Floating-rate home loans to individuals carry no prepayment charge. RBI's 2025 directions extend this to all floating-rate loans to individuals and MSEs sanctioned or renewed from 1 January 2026.
Generally within 7 working days once your documents are complete and the property papers are clear.
Yes. Home loans cover renovation and furnishing of your existing house as well as purchase and construction.
Yes. Self-employed proprietors, partners and directors qualify on the basis of ITRs and business financials; age 23 minimum and repayment before 65.
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Apply for home loan with an ex-banker on your side
One conversation, many lenders. We pre-check your file, negotiate the rate and stay with you after disbursal.
- WhatsApp+91 98717 48555
- Office011-45123555
- Emailsandeep@bhavyaa.com
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