Home loansfor the home you actually want.
Purchase, construction, or balance transfer — compare home loan options across our partner banks and apply for free.
Why choose a MoneyXperts home loan
Built for one of the biggest decisions you'll make.
Long repayment tenure
Extended tenure options help keep your monthly EMI manageable.
Attractive interest options
Compare rates across partner banks instead of accepting the first offer.
Balance transfer support
Move an existing home loan to better terms with our help.
Salaried & self-employed
Options for both profiles, with document lists tailored to each.
How it works
Three steps, start to finish — no branch visits required.
Share your details
Property status, income, and city — takes under a minute.
Get a callback
Our team confirms eligibility and the documents you'll need.
Get approved
Your application moves to the bank for valuation and final approval.
Home loan options we help with
- New home purchase
- Under-construction property
- Plot purchase + construction loan
- Balance transfer & top-up
- Home renovation loan
Documents typically required
- PAN card and address proof
- Income proof (salary slips or ITR)
- Property documents / sale agreement
- Bank statements (last 6 months)
- Existing loan statements, if any
Get your free eligibility check
Fill this in and one of our home loan experts will call you back — usually within a few minutes during business hours.
Complete Guide to Home Loans in India
A home loan is typically the largest financial commitment most people make, so comparing lenders matters more here than almost anywhere else. MoneyXperts helps you check eligibility across partner banks before you commit to one, covering purchase, construction, and balance transfer cases.
Purchase vs Construction vs Balance Transfer
A purchase loan finances a ready or resale property, a construction loan is disbursed in stages as building progresses, and a balance transfer moves your existing loan to a new lender — usually to get better terms or a lower rate. Each has slightly different documentation and disbursal patterns.
Documents Required
Beyond standard PAN and address proof, home loans require property-specific documents — the sale agreement or allotment letter, and past bank statements. Self-employed applicants typically also submit income tax returns and business proof.
Why Check Eligibility First
Home loan eligibility depends on income, existing obligations, and the property's own valuation. Checking this upfront through MoneyXperts avoids the disappointment — and wasted paperwork — of a rejected formal application.
Frequently asked questions
Still deciding? Here's what most people ask before they apply.
What's the difference between a purchase loan and a balance transfer?
A purchase loan finances buying a new or resale property. A balance transfer moves your existing home loan to a new lender, typically for a better interest rate or terms.
Will checking my eligibility affect my credit score?
No. The initial eligibility check is a soft check and does not impact your CIBIL score.
Can I get a home loan for an under-construction property?
Yes. These loans are usually disbursed in stages as construction progresses, tied to the builder's payment schedule.
What documents will I need?
PAN card, address proof, income proof, property documents, and recent bank statements. The exact list depends on the property type and lender.
Is there a down payment required?
Yes, banks typically finance a portion of the property value, with the remainder paid upfront by the buyer. Our team confirms exact figures for your chosen lender.
How long does home loan approval take?
Our team typically calls back within 2–5 minutes. Final approval depends on property valuation and document verification by the bank, usually a few working days to weeks.