Home Loan
Your Dream Home
is Closer Than
You Think
Compare home loans from 20+ banks starting at 8.5% p.a. We handle every step — from eligibility to key handover — so you can focus on finding the perfect home.
✅ All property types | ✅ Cash & rental income accepted | ✅ Salaried & self-employed
🏠
Loan Amount
₹5 Lakhs — ₹10 Crores
📉
Interest Rate
Starting from 8.5% p.a.
📅
Tenure
Up to 30 Years
🏦
LTV Ratio
Up to 90% of property value
Why Choose Marfo
Expert support at
every step of your home journey
Compare 20+ Lenders
SBI, HDFC, LIC Housing, Axis, ICICI, PNB Housing, and more — we get you competing offers.
Free Property Valuation
We help assess property value before applying, ensuring the bank approval aligns with the actual price.
Legal Document Check
Our team reviews property documents to ensure they are legally clear before you commit to a purchase.
Balance Transfer Help
Already have a home loan? We can help you transfer to a lower interest rate lender and save lakhs.
Top-Up Loan Assistance
Need extra funds for renovation or interiors? We help you get a top-up loan on your existing home loan.
End-to-End Support
From first meeting to key handover, your dedicated advisor handles every interaction with the bank.
EMI Calculator
Calculate your Home Loan EMI
before you apply
EMI Calculator
Adjust sliders to estimate your monthly EMI
₹50.00 L
₹5.00 L₹5.00 Cr
8.75% p.a.
8.5%14%
20 yrs
12 mo360 mo
Monthly EMI
₹44,186
Principal Amount₹50,00,000
Total Interest₹56,04,529
Total Payment₹1,06,04,529
Principal vs Interest
Principal 47%Interest 53%
* This is an indicative calculation. Actual EMI may vary based on the bank's terms. Contact our advisor for an exact quote.
Eligibility
Who can apply
for a home loan?
Check the basic eligibility criteria below. Our free eligibility assessment takes under 5 minutes.
✓
Indian resident aged 18 to 70 years
✓
Salaried: ₹25,000+ monthly income
✓
Self-employed: ₹3 lakhs+ annual ITR income
✓
Cash income & rental income also considered
✓
CIBIL score of 700 or above recommended
✓
All property types accepted — residential, commercial, plots
✓
Minimum 2 years of employment / business stability
Check your home loan eligibility
Find out exactly how much home loan you qualify for — free, fast, and with no impact on your credit score.
Get Free Eligibility Check →FAQs
Home loan
questions answered
Common questions about getting the best home loan in India.
Ask an Advisor →What is the minimum down payment for a home loan?
+
Banks typically finance 75–90% of the property value. You need to arrange 10–25% as a down payment. For properties above ₹75 lakhs, banks fund up to 75% of the value.
What is the maximum home loan tenure?
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Home loans can have a tenure of up to 30 years. Longer tenure means lower EMI but higher total interest paid. Our advisors help you choose the optimal tenure based on your income and age.
What is the home loan interest rate?
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Home loan rates currently start from 8.5% p.a. for salaried individuals. Rates vary by lender, loan amount, credit score, and property type. Marfo compares across 20+ lenders to find the best rate for you.
Can I get a home loan for an under-construction property?
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Yes. Banks provide home loans for under-construction, ready-to-move, and resale properties. For under-construction properties, disbursement is typically done in stages linked to construction progress.
What tax benefits do I get on a home loan?
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You can claim deduction up to ₹2 lakhs per year on interest paid (Section 24b) and up to ₹1.5 lakhs on principal repayment (Section 80C). Our advisors explain how to maximise your tax benefits.
Can I apply for a joint home loan?
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Yes. A joint home loan with a co-applicant (spouse, parent, or sibling) increases your eligibility significantly and allows both applicants to claim individual tax benefits.
Ready to buy your dream home?
Let Marfo Strategies find the best home loan deal for you — free service, no obligation.