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Ghar Aapka.
Loan Humaara.

  • 30 minute mein
    loan approval
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    charges nahin

Loan of up to
30 Lakhs in 30 minutes*

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A housing loan is money that a person loans from a financial institution, such as a housing finance company, to build a home, modify an existing home, or expand it. The goal of IIFL Home Loans is to gradually make home loans for first-time purchasers in the nation more affordable. To make the loan approval process simpler, IIFL Home Loans has a 100% digital process. This allows us to approve loans in just 25 minutes! The Company meets the changing home finance needs of underserved groups throughout the country. Keeping this in mind we have loans starting from Rs. 2 Lakh only.


It is always advisable to use a home loan eligibility calculator to determine your eligibility before applying. Use our home loan EMI calculator based on your specific requirements to check out how much your EMI will turn out to be. You need to fulfil the following criteria to be eligible for a home loan:

  • Resident Indian Citizen
  • Within the age bracket of 21-65 years
  • Salaried or Self-Employed

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Our New Home Loan offers competitive interest rates, making it easier for you to purchase your dream home. We also provide personalized solutions and dedicated relationship managers so that you can make an informed decision. The rate of interest starts at 8.7% p.a.


Here’s a list of documents you will need depending on your current employment status.


Document Type Salaried Self-Employed
Application Form Yes Yes
Identity Proof
  • PAN (Mandatory)
  • Voter ID
  • Passport
  • Driving License
  • Aadhar Card
Yes Yes
Address Proof
  • Passport
  • Voter ID
  • Driving License
  • Aadhar Card
Yes Yes


Document Type Salaried Self-Employed
Salary Slip/ Certificate Yes No
Form 16/ ITR Yes Yes
Bank Statement Yes Yes


Document Type Salaried Self-Employed
Copy of chain documents of the property (if applicable) Yes No
Copy of Receipt made to the developer (if applicable) Yes Yes
Copy of Buyer Agreement Yes Yes
Copy of Agreement to Sell (if executed) Yes Yes

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Home Loan FAQs

The late payment charge is 18% per annum of outstanding EMI.

The principal sum, interest rate, frequency of compounding, and length of time over which it is lent all affect how much interest accrues.

If you are thinking of remodelling your home, IIFL Home Loans offers a Home Improvement Loan that is tailored to match your demands for home additions or improvements.

Our goal is to relieve our clients of unnecessary paperwork. We strive to streamline the entire home loan processing with the least amount of paperwork. Identity proof, address proof, income proof, property-related paperwork, and others are the basic documents needed for a home loan.

At IIFL Home Loans, the maximum loan tenure can be up to 25 years.

It is crucial to assess your ability to pay the EMI for a house loan before applying for one. For assistance, IIFL Home Loans provides a self-help Home Loan Calculator, a free online tool that asks for basic information such as projected loan amount, loan length, and interest rate. The precise EMI amount that you are required to pay is shown by the home loan EMI calculator.

Equated Monthly Instalment, or EMI, is the regular payment you must make each month until the whole amount of your loan has been repaid.

Yes, having a co-applicant is required for a home loan.

Any Indian citizen between the ages of 18 and 75 who is self-employed or salaried is eligible to apply for a home loan through IIFL Home Loans.

A floating interest rate is one that fluctuates on a regular basis, going up and down to reflect the state of the economy or financial markets.

Here at IIFL Home Loans, interest rates start from just 8.2%.

By clicking here, you may apply for a home loan online. We provide rapid sanctions for mortgage loans and have straightforward documentation. For support, you may also contact us at 1860-267-3000, our helpline number.


IIFL Loans Mobile App

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