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Home Loans in Mumbai

(122008 Ratings & Reviews) 4.0 Average Ratings

Owing home is a dream that many live and helping people in achieving this dream of theirs are the home loans financial services. Housing loan minimizes the tension associated with purchasing homes, which demands investing in some lakhs to crores. A large number of public and private banks have a loan facility for those thousands of potential property buyers at affordable home loan interest rates. The facility for Home Loans in Mumbai are available with a substantial number of licensed financial institutions. Nowadays, one may consider applying for a home loan from the convenience of their homes through a few clicks on their mouse keeping the huge formalities away. The home loan borrower has to repay the loan through monthly EMIs, figure for which invariably rests on the loan amount and the time for repayment. Home loans are provided by various banks in India against fixed and floating rate of interest. The page above provides contact details of all the leading home loan service providers from this locality.

How can Justdial help in choosing the best Home Loans near you?

You can search Home Loans in Mumbai on the basis of your location, popularity, ratings & reviews on Justdial. To get the best offers from business listed with Justdial, click on the Best Deals tab beside listings and fillup the requirements. Businesses will contact with their best offers. You can negotiate with them. You can now chat with businesses and get multiple quotes in a jiffy on the JD Android and iOS app.

Home Loans in Mumbai - Buying your dream home made easier!

Buying a house in today’s age in Mumbai can be an expensive task. With all the savings and income, getting a house within the budget becomes a little difficult. So, you have to settle for the one that falls within the budget.

You can still buy the house of your dreams with the help of home loans. People usually think twice before taking loans. But the Mumbai home loan providers help you to transform your dream into a reality with ease. These home loan providers offer services to examine your eligibility, interest rates, etc. so that you can purchase the property.

What are the types of home loans?

The home loan is a common type where you can opt for this loan to purchase your dream house. However, there are other types of home loans available that you must know about so that you can choose the ideal one for you.

The other types of home loans are:

1.Land or plot loan: You can purchase a plot or land with this loan. This loan is provided by many banking and non-banking financial companies.

2.Home construction loan: This loan is for those who want to construct a house on a pre-owned land. In order to be eligible for this loan, the plot should have been bought within a year.

3.Home extension loan: If you wish to expand your house or extend a room of it, you can opt for this loan.

4.Home improvement loan: You can apply for this loan if you want to make any repairs or renovation to your house.

5.NRI home loan: This loan is for non-resident Indians who wish to purchase a home in India.

What are the benefits of home loans?

Buying your own house comes with a lot of benefits:

1.Buying a house is a one-time expense. You can free yourself from the monthly rents and save the amount.

2.You no longer have to switch apartments due to an increase in the rent.

3.You are building a property and securing your future.

4.You can avail tax benefits by investing in the house. You can claim an exemption on the principal as well as interest paid on home loans.

5.You can also pay the instalment a month earlier and close the loan faster.

6.The Credit Linked Subsidy Scheme provided by the government offers interest subsidy on loans taken by economically weak, low income and the middle class of the society.

What are the things to consider for taking a home loan?

While opting for a home loan there are a few things that need to be taken into consideration:

1.Documents: You need to know what all documents are required for the home loan. The documents required by salaried applicants are Pan card, Aadhaar card, residence proof of all applicants with a proof of their relationships; salary slips of past 3 months; bank statement of salary account of past six months.

2.Fixed rate home loan: Here, the loan repayment will be charged at the same interest rate irrespective of the fixed rate period. Usually, the rate is or a period between 1 to 5 years.

3.Floating rate home loan: Here, the rate of interests change with the market conditions. The floating rates are cheaper than fixed-rate loans.

To improve your home loan eligibility, you must try to clear all the previous loans.

Where to search for home loans in Mumbai?

The providers of home loans Mumbai has, offer the best help and services needed with best home loan interest rate. You can search for the home loans in Mumbai through Justdial. Here, you can sort the results based on the popularity, ratings, location, best deals, etc. The customer reviews might be of huge help

What are the home loans interest rates 2019 in Mumbai offered by prominent banks?

Given below is an approximate range of rate of interest offered by banking and non-banking financial companies:

Home Loan Providers	Rate of Interest
Axis Bank	8.90% - 9.15%
SBI	8.55% - 9.25%
Yes bank	9.60% - 12.00%
ICICI bank	9.05% - 9.25%
IDBI bank	8.75% - 9.15%
IDFC bank	9.15% - 9.60%
HDFC bank	8.60% - 9.60%
HSBC bank	8.55% - 9.05%
LIC Housing Finance Ltd	8.60%-9.15%
PNB Housing Finance Ltd	9.05% - 12.00%
Bajaj Finance/Finserv	8.85% - 11.15%
DHFL	9.05% - 9.95%

Please note: The rates are variable and subject to change. <

Frequently Asked Questions

1. What are the different types of home loans offered by banks?

The different types of home loans offered by banks and financial institutions are loan for construction, home loan for purchase, home loan for extension, home improvement loan etc.

2. What is the approximate loan tenure of a home loan?

Home loan tenure ranges between 3 years to 30 years. The average repayment tenure ranges from 15 to 20 years. Age, income and profession are important factors that are used to calculate the loan repayment tenure.

3. Can the loan be transferred to a different lender during the course of the repayment period?

Yes, the loan can be transferred to another lender during the course of the repayment in order to avail better interest rates

4. What are the documents required to apply for a home loan in Mumbai?

An applicant requires to submit legal documents that include identity proof, residence proof, income proof and age proof.

5. What is the approximate rate of interest 2019 and processing fees charged by banks?

The approximate rate of interest ranges from 8.5% to 11.5 % of the loan amount. Processing fees ranges from 0.25% to 0.50% (exclusive of GST). However, both of these need to be confirmed with the bank at the time of loan application.