Borrower capacity
Income, obligations, bureau history and age help determine repayment eligibility.
HOME FINANCE
Home finance with a clearer path to the right lender.
A home loan is a property decision and a credit decision at once. We help you plan both — from your upfront cash to documents — before you meet lenders.
- Housing purposePurchase, construction or eligible refinance
- Property-backedMortgage over the financed property
- Longer tenureSubject to lender policy
- Dual assessmentBorrower and property eligibility
UPFRONT CASH
Know how much cash you need beyond the loan.
Your own contribution and one-time costs come out of your pocket. Adjust the sliders to see the picture.
- Loan needed ₹40 lakh
- Your contribution ₹10 lakh
- One-time costs ₹3.5 lakh
CASH YOU NEED UPFRONT₹13.5 lakh
Illustration only. Stamp duty, registration and other costs vary by state and property, and lenders set their own contribution rules. Not an offer.
THE HOME JOURNEY
Six stages between "I like this house" and the keys.
-
1
Check your capacity
Understand what EMI and upfront cash you can comfortably manage.
-
2
Shortlist the property
Choose a property that lenders are likely to accept.
-
3
Apply with documents
Submit borrower and property documents together.
-
4
Legal & technical checks
The lender verifies title, approvals and valuation.
-
5
Sanction & terms
Review amount, tenure, rate basis and charges before accepting.
-
6
Disbursal & possession
Funds are released in line with the property stage.
FIND YOUR LOAN TYPE
Which kind of home loan are you looking for?
Home loans are assessed on both borrower eligibility and the property being financed. Income, existing obligations, own contribution, legal and technical checks, and lender policy all shape the final structure.
Home purchase
Finance an eligible residential property, whether ready-to-move or under construction.
Good forBuying a flat, house or plot with a home in mind.
Start this enquiry
Construction
Funding for eligible self-construction or approved construction needs, often released in stages.
Good forBuilding on land you already own.
Start this enquiry
Balance transfer
Move an existing home loan to another lender where it makes sense and policy permits.
Good forReducing cost or improving terms on a running loan.
Start this enquiry
Top-up
Some lenders offer an eligible top-up on an existing housing relationship.
Good forExtra funds for renovation or other needs.
Start this enquiry
WHAT LENDERS CHECK
A property decision and a credit decision — together.
Property acceptability
Legal title, technical assessment, approved plans and lender property policy matter.
Own contribution
Lenders generally expect you to fund part of the property value yourself.
Transaction papers
Agreement, allotment and property chain documents vary by property type.
DOCUMENT FOLDERS
Two folders. One lending decision.
Home finance needs both borrower documents and property documents. Property stage, seller type and location can change the checklist.
Borrower folder
- PAN and accepted KYC
- Income documents
- Bank statements
- Employment or business records
Property folder
- Agreement or allotment documents
- Title and ownership documents, as applicable
- Approvals, plans or technical documents where required
- Seller and payment details
WHAT EVERYONE COMPARESThe interest rate
WHAT ALSO SHAPES YOUR COST
- Keep a buffer beyond the down payment
- Understand how floating rates are benchmarked and reset
- Check legal, technical and processing charges
- Review prepayment and balance-transfer conditions
A HOME BUYING NOTE
Look beyond the rate when comparing a home loan.
Over a long repayment horizon, the details around the rate often matter as much as the rate itself.
QUESTIONS
Home loan questions, answered.
How much home loan can I get?
It depends on your income, existing obligations, credit profile, the property and the lender's policy. Lenders generally expect you to fund part of the property cost yourself.
How much down payment do I need?
Lenders normally require a contribution from you, but the exact share varies by lender, property and profile. Use the calculator above to see your total upfront cash.
What costs come besides the down payment?
Stamp duty, registration, legal and technical charges and processing fees are common. The amounts vary by state and property, so plan a buffer.
Can I transfer my existing home loan?
A balance transfer is possible with many lenders, subject to their policy. Compare the total cost of switching, not only the new rate.
Should I choose a fixed or floating rate?
Products and reset rules differ by lender. Ask how the rate is benchmarked, how often it resets and what it means for your EMI over time.
Is Shubhbank the lender?
No. Shubhbank helps you plan and connect with suitable lenders. Approval, valuation and final terms are decided by the lender.
No matching question. Try another word, or ask us directly below.
READY WHEN YOU ARE
Plan my home loan