Loan application process, fees, timelines, and how Jay reviews available lender information from the Ahmedabad desk.
Ask the advisor to explain any borrower fee and lender-paid compensation before you apply. Confirm the lender's rate, fees, and terms in current lender documents; no rate or fee outcome should be assumed.
Available lender information may cover banks and NBFCs such as SBI, HDFC, ICICI, Axis, Kotak, Bank of Baroda, PNB, Bajaj Housing Finance, and LIC Housing. Lender availability, rates, and terms can change; confirm current lender documents before applying.
Timelines vary by lender, loan type, documentation, property checks, and applicant profile. The lender controls in-principle approval, sanction, and disbursal; confirm current requirements and indicative timelines in the lender's documents.
A CIBIL score of 700+ may help with competitive pricing, but requirements vary by lender and product. Some lenders may consider scores from 650 or lower with different rates and conditions; confirm current criteria and work on your credit profile before applying.
Available lender information may cover locations including Ahmedabad, Mumbai, Delhi, Bangalore, Hyderabad, Chennai, Pune, Kolkata, Surat, Vadodara, and Jaipur. Availability is location- and lender-dependent, so confirm which lenders currently serve your property and profile.
Common documents include PAN card, Aadhaar card, recent bank statements, ITR, salary slips for salaried applicants, business proof for self-employed applicants, and property documents for secured loans. Requirements vary; confirm the lender's current checklist for your loan type and profile.
Ask whether any borrower fee or lender-paid compensation applies before submitting an application. Confirm all charges, commissions, and payment terms in the current advisor and lender disclosures; do not assume the service is fee-free.
A balance transfer may reduce interest when a new lender offers suitable terms, but compare all fees, the remaining tenure, and the lender's approval criteria. Calculate indicative savings using current lender documents; no saving or approval outcome is guaranteed.
Published Rates
Published bank rates. Published starting rates from our rate board.
The highlighted figure is illustrative, not a lender quote. Tap a bank for its full profile and confirm current terms.
Home, LAP, business, balance transfer, builder, and NRI lending. Pick a product. Review lender options and paperwork requirements; the lender controls the offer and decision.
Goal, income type, and city. Then a plain-language match for the product and bank desk we’d open first.
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I want a loan for
2
I’m
3
My file is
Path · draft
a homesalariedclean — strong credit
You want a a home loan, you’re salaried, and your file is clean — strong credit. Click Write me a path to see what Jay would do.
Ready when you are.
Rate Comparison
Same ₹50L loan. Two rate paths.
Published comparison vs illustrative scenario on a ₹50L home loan over 20 years: rate, fee, EMI, and total interest side by side.
Offer A
Walk-in · HDFC direct
Rate p.a.8.35 %
Processing fee₹ 12,500
Monthly EMI₹ 43,075
Total paid₹ 1.04 Cr
Interest₹ 54.6 L
Scenario B · Illustrative
Comparison scenario · SBI
Rate p.a.7.15 %*
Processing fee₹ 4,000
Monthly EMI₹ 39,344
Total paid₹ 94.4 L
Interest₹ 44.4 L
Illustrative · ₹50L/20y
Example interest difference over the life of the loan,
₹ 10.2 Lakh
Illustrative interest difference on a ₹50 lakh home loan over 20 years using example rates. Actual savings depend on the lender's quote, fees, eligibility, and tenure; this is not an offer or outcome.
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