Home Loan now starting @ 8.50%

Why Secure Finance Home Loan?

Secure Finance Home Loans is your trusted DSA for mortgage lending in India. It offers the lowest home loan interest rates and flexible loan tenure. Secure Finance provides home loans to individuals from various backgrounds, including salaried personnel, independent workers, and self-employed business owners, regardless of their CIBIL score. At Secure Finance, we provide a seamless home loan experience focusing on your financial well-being. Our home loan offers a one-stop solution for your home loan needs with simple documentation, quick processing, and excellent customer service. Experience the relief of home loan approval within 24 hours. We understand that each customer is unique, so we offer personalized journeys tailored to your financial needs. Our highly skilled professionals are dedicated to providing you with comprehensive guidance throughout every step of the process. Whether you’re a first-time homebuyer or looking to refinance, we’re here to offer insightful advice and craft customized solutions to ensure your financial success, particularly with home loans. Transparency is at the core of our values, ensuring you clearly understand each step in your financial roadmap. With Secure Finance, you can start on the journey towards owning your dream home with confidence and peace of mind. Choose us today, and let’s build a stable and prosperous tomorrow together, starting with your home loan. Experience the difference with Secure Finance Home Loans, where your financial security and home ownership dreams are our top priorities.

Advantages of Secure Finance Home Loan

Your dream address awaits! Discover the perfect home loan at Secure Finance

Best Lender Selection

Choose excellence in lending—your key to a seamless home loan journey.

Multi-Purpose Loan

Secure Finance housing loan allow you to do much more than just buy a property.

Easy Documentation

Save time and efforts and apply with minimum documents.

Instant Approval

Get approval in just a few simple steps.

Home Loan Eligibility

How Do I Apply For A Home Loan?

Fill the loan Application Form

Complete the online home loan application form.

Submit your Documents

Submit the necessary document copies that have been self-attested. Once we get your papers, we’ll start the loan verification process.

Property Verification

Our experts will inspect a legal check on the property.

Loan Disbursal

The loan disbursement will take around 2-3 working days to get into your bank account.

Types of Home Loans

A home loan is the most common way to buy a house. These loans typically allow borrowers to borrow 80% of the property’s value. Fixed or variable interest rates are available to borrowers. Housing loans require good credit and a stable income. Potential purchasers must understand down payments, closing costs, and government-aided programs. A bank or lending organization gives a lump payment to a borrower, who agrees to repay it with interest over a set period of time. Customizing these loans to fit your financial situation allows you to find terms and interest rates that suit your needs. Secure Finance offers the best home loan interest rates, personalized for your needs. Home loans make it possible for many people to achieve their dream of owning a home.

Home renovation loan are a financial tool designed to help homeowners make upgrades or repairs to their existing homes. Unlike home purchase loans, these loans cater to home renovation, boosting comfort and functionality, and potentially boosting property value. They provide homeowners with the funds needed to tackle projects such as kitchen renovation, adding a new room, or installing energy-efficient upgrades. Home renovation loans can come in various forms, including personal loans, home loan equity, or home equity lines of credit (HELOC). The type of loan often depends on factors such as the project’s scope, the homeowner’s creditworthiness, and their existing mortgage situation. These loans can be a practical way to invest in your home’s future while making it more comfortable and valuable.

You can build a new home with this loan to cover materials, labor, and other costs. Home construction loans are short-term loans that cover materials, labor, and other expenses for building or renovating a home. A fixed-interest home construction loan can cover 100% of the construction value and 90% of the market value. The gradual disbursement of these funds during construction enables homeowners to maintain cost control. You can convert a construction loan into a mortgage or pay it off after it is built. House construction loans are ideal for people who want to build their dream home but need financial support to keep it on schedule and within budget.

Financial institutions provide loans for land purchases, also known as plot loan, land loan or land purchase loan, to individuals in search of property for a variety of objectives such as home construction, investment, or commercial ventures. Plot loans are primarily used for purchasing undeveloped property or plots within approved residential, commercial, or industrial zones. We offer competitive land loan interest rates ranging from 9.40% to 9.95%, allowing borrowers to select the most favourable and affordable rate. Unlike housing loans, land purchase loan often have a shorter repayment tenure of 5 to 20 years. Depending on the lender’s terms and conditions, loan amounts might be up to 70% of the land’s appraised value.

An NRI (Non-Resident Indian) home loan is a particular form of loan created for Indian residents who are living abroad yet want to buy or invest in real estate in India. NRIs who want to invest in Indian real estate, build a house, or purchase a home there frequently request these loans. These loans are provided by a number of banks and financial organisations in India in order to meet the specific requirements and financial capacity of NRIs. It is important for NRIs to understand the tax implications of purchasing and selling real estate in India, as well as the associated home loan tax benefits.

Short-term loan also known as “bridge loans,” provide instant liquidity to individuals and organisations while they wait for a bigger financial transaction, such as the sale of a home. This loan assists them with urgent demands or grabbing opportunities during difficult times, particularly in the real estate industry. Before selling the previous one, it can be used to purchase a new house. Due to their short payback terms, bridge loan in India are secured by property or goods that have higher interest rates. They can be helpful for quick cash in times of need, but you need to understand the terms and fees and have a repayment strategy to avoid financial difficulties.

Banks and financial organizations offer top up loans to current customers, usually homeowners or personal borrowers. People who have taken out a lot of debt but need more money for home renovations, education, or debt reduction can apply for this loan. Top up loans are easier to approve than new loans because they leverage the borrower’s credit history and collateral. Due to their connection to previous loans, top up loan interest rate are competitive. Repayment periods are adjustable, allowing borrowers to choose a term that fits their finances. These loans are popular among those seeking fast, affordable financing because they allow people to borrow more money without having to apply for another loan.

An interest free loan is a financial arrangement where a lender provides funds to a borrower without charging any interest on the borrowed amount. Unlike traditional loans, the borrower is not required to pay any extra fees or costs beyond the principal amount borrowed. Interest free loan are often offered for various purposes, such as supporting small businesses, helping students with education expenses, or assisting individuals in times of financial need. These loans are typically structured with a clear repayment schedule, ensuring that the borrower returns the principal amount over a specified period. Interest free loan can be a helpful tool for promoting economic stability, assisting those in financial distress, and fostering community development, as they reduce the burden of debt on borrowers and promote responsible financial practices.

Home Loan Interest Rates 2024

Bank Name Interest Rate Range
lic-housing-finance-4 LIC HFL 8.85% p.a. onwards APPLY NOW
hdfc-limited HDFC Ltd. 8.50% p.a. onwards APPLY NOW
axis-bank Axis Bank 8.70% p.a. onwards APPLY NOW
aditya-birla-bank Aditya Birla Capital 8.80% to 14.75% p.a APPLY NOW
union-bank-of-india Union Bank Of India 8.70% p.a. onwards APPLY NOW
federal-bank-V1 Federal Bank 8.80% p.a. onwards APPLY NOW
state-bank-of-india-2 State Bank of India 8.60% p.a. onwards APPLY NOW
bank-of-maharashtra Bank of Maharashtra 8.35% p.a. onwards APPLY NOW
kotak-mahindra-bank Kotak Mahindra Bank 8.70% p.a. onwards APPLY NOW

Note:-  Interest rates may vary according to market fluctuation.

Home Loan EMI Calculator



% Interest



Total Payable

Home Loan Calculator

Effortlessly calculate your monthly payments with our home loan EMI calculator. Enter your loan amount, interest rate, and tenure to get precise EMI calculations immediately. Our easy-to-use interface and accurate findings simplify budget planning and enable well-informed decision-making. Utilize our home loan calculator right now to eliminate any doubt from your home loan process and confidently convert your dream home into a reality. 

The formula for calculating Home Loan EMI:

P x R x (1+R)^N / [(1+R)^N-1] 

= Principal loan amount

= Loan tenure in months

= Monthly interest rate

We calculate the monthly interest rate (R) on your loan.

R = Annual Rate of Interest/12/100

If the interest rate is 6% p.a., then r = 6/12/100 = 0.005.

Frequently Asked Questions

A home loan is a loan provided to salaried individuals and business owners for the purchase of a main residence. Customers can build house on their land, add a floor to their current home, buy a used flat or independent house, buy a new flat or independent house from a developer, or transfer home loan amount they got from another bank.

To get the best home loan in India, go to our home loan page and fill out the home loan application form. You can also reach us at our email address, [email protected] or by phone at +91 9326772355. We will contact you with further information.

Steps to apply for a home loan subsidy:

  • Check home loan eligibility
  • Choose a scheme
  • Contact your lender
  • Complete required documents
  • Submit the loan application form
  • Wait for loan approval
  • Avail the home loan subsidy once it is approved

Banks will only lend up to 80% of the property value. Before determining your loan limit, the lender considers the current market value of property. You will receive a loan against your property based on that. So, don't approach a bank for a loan against property under the false assumption that you will receive a loan for the full value of your property.

  • Income level of the applicant
  • Age of the applicant
  • Qualification (continuity of employment and stability)
  • Status as a resident (an Indian resident's maximum limit is different from a non-resident's)
  • Spouse's income (if there is a co-applicant, family income is also considered)
  • Number of dependents (a proxy for repayment ability)
  • Credit score and history (repayment history)
  • Current loan status

A home loan is referred to as having a variable rate if the interest rate changes on a regular basis during the loan term. The lender uses their own base rate to set the interest rate on a mortgage. The RBI's directions and other variables influence the base rates of banks periodically, which might result in changes to the amount of EMI that must be paid.

The three sections of the Income Tax Act that provide home loan tax benefits are:
Section 80C:
Deductions under this section can help you with tax benefits of up to Rs. 1.5 lakh on the principal amount.
Section 24:
Under this section, you can enjoy tax benefits on interest amounts up to Rs. 2 lakh.
Section 80EE:
Under Section 80EE, first-time home buyers can deduct up to Rs. 50,000 from the interest component.

We have made calculating home loan simple for you with our user-friendly home loan calculator.

P x R x (1+R)^N / [(1+R)^N-1] 

= Principal loan amount

= Loan tenure in months

= Monthly interest rate

We calculate the monthly interest rate (R) on your loan.

R = Annual Rate of Interest/12/100

If the interest rate is 6% p.a., then r = 6/12/100 = 0.005.

A letter from the bank stating that you can get the loan amount you asked for is called a sanction letter.

A pre-approval loan is like a green light from a bank saying they're likely to lend you a certain amount of money, based on your finances and credit. It helps you know how much you can borrow before you start shopping for a home and it shows sellers you're serious about buying.

The amount of home loan you can get depends on various factors, such as your income, credit score, existing liabilities, and the lender's policies. Generally, lenders consider a loan amount that results in an EMI not exceeding 40–50% of your monthly income. To get an accurate estimate, it's best to check with the lender and check housing loan eligibility calculator.

No, the borrower cannot sell the property without paying off the remaining balance on the existing bank's or financial institution's house loan.

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