Buy, build, or renovate your home — or unlock capital against your existing property.
Home loans help you purchase, construct, extend or renovate a residential property, with tenures up to 30 years. Loan Against Property (LAP) lets you borrow against a residential or commercial property you already own — often at lower rates than unsecured loans, for any personal or business purpose.
NG Finntech compares offers from multiple banks & housing finance companies so you get competitive interest rates and the right loan-to-value ratio.
| Loan Amount | ₹5,00,000 – ₹5,00,00,000 |
|---|---|
| Tenure | Up to 30 years (Home) / 15 years (LAP) |
| Interest Rate* | 8.5% – 13.5% p.a. (varies by lender & profile) |
| Loan-to-Value | Up to 80% (Home) / 60-70% (LAP) |
| Collateral | The property being financed / mortgaged |
*Indicative only. Actual rates & fees are set solely by the disbursing bank/NBFC and depend on credit profile & property valuation.
| Age | 23 – 65 years (at loan maturity) |
|---|---|
| Employment | Salaried or self-employed with stable income |
| Property | Clear title, approved by lender's legal & technical team |
| Credit Score | 700+ preferred for best rates |
