India's Trusted Home Loan Partner

Your Dream Home Awaits

Experience the easiest home loan journey with Credifin Limited. From first-time buyers to seasoned investors, we provide tailored financing solutions that make homeownership accessible and affordable for everyone across India.

24-Hour Approval

Quick processing guaranteed

Best Interest Rates

Starting from 18% onwards

Up to ₹5 Crores

High loan amounts available

Zero Hidden Charges

Complete transparency
50,000+ Happy Customers
13 States & UTs
RBI Approved NBFC

Types of Home Loans Available

Choose the perfect home loan solution that matches your specific needs and financial situation

Purchase Loan

For buying ready-to-move-in residential properties including apartments, independent houses, and villas.

✓ Quick Processing Up to ₹5 Cr
Construction Loan

For constructing a new house on your own plot of land. Funds are released in stages based on construction progress.

✓ Stage-wise Release Flexible Terms
Home Improvement

For renovating, extending, or improving your existing home including repairs and upgrades.

✓ No Collateral Quick Approval
Balance Transfer

Transfer your existing home loan to Credifin for better interest rates and improved terms.

✓ Lower Rates Save Money
Top-Up Loan

Additional funding over your existing home loan for personal needs, education, or business requirements.

✓ Minimal Documentation Competitive Rates
Plot + Construction

Combined financing for purchasing land and constructing your dream home with single loan facility.

✓ Single EMI Comprehensive Solution

Calculate Your EMI

Plan your finances better with our easy-to-use EMI calculator. Get instant results and make informed decisions about your home loan.

Instant Calculation

Get EMI amount in seconds

Detailed Breakdown

Principal vs Interest analysis

Mobile Friendly

Calculate anywhere, anytime

EMI Calculator

₹1L ₹1Cr
%
8% 32%
Years
2 Years 30 Years

Monthly EMI

₹22,493

Total Interest
₹2,898,320
Total Amount
₹5,398,320

Understanding Home Loans: A Beginner's Guide

What is a Home Loan?

A home loan, also known as a housing loan or mortgage, is a secured loan provided by financial institutions to help individuals purchase residential properties. The property itself serves as collateral for the loan, which means the lender has the right to take possession of the property if you fail to repay the loan as agreed.

Home loans are typically long-term commitments, ranging from 10 to 30 years, allowing borrowers to spread the cost of their home purchase over many years. This makes homeownership accessible to people who cannot afford to pay the full purchase price upfront.

Key Components of a Home Loan:
  • Principal Amount: The actual loan amount you borrow
  • Interest Rate: The cost of borrowing money, expressed as a percentage
  • Tenure: The time period over which you'll repay the loan
  • EMI: Equated Monthly Installment - your monthly payment
  • Down Payment: The upfront amount you pay from your own funds

Check Your Eligibility

Simple and transparent eligibility criteria designed to help more people achieve their homeownership dreams

Salaried Professionals

For employees with regular monthly income

Age Criteria

21 to 65 years at loan maturity

✓ Flexible age limits

Monthly Income

Minimum ₹25,000 per month

✓ Competitive income requirement

Work Experience

2 years total, 1 year current job

✓ Reasonable experience needed

Credit Score

650 and above preferred

✓ We help improve your score

Self-Employed

For business owners and professionals

Age Criteria

21 to 65 years at loan maturity

✓ Same flexible age limits

Business Vintage

Minimum 3 years in business

✓ Established business track record

Annual Income

Minimum ₹3 lakhs per year

✓ Reasonable income threshold

ITR Filing

Last 2 consecutive years

✓ Standard compliance requirement

Not sure if you qualify?

Our loan experts will help you understand your eligibility and guide you through the process.

Documents Made Simple

We've streamlined the documentation process to make it as easy as possible for you

Identity & Address

Basic identification documents

Aadhaar Card

Government issued ID proof Required

PAN Card

Permanent Account Number Required

Voter ID

Alternative ID proof Optional

Utility Bills

Address proof (latest) Required

Income Proof

Financial capability documents

Salary Slips

Last 3 months Required

Bank Statements

Last 6 months Required

Form 16 / ITR

Last 2 years Required

Employment Letter

From current employer Optional

Property Papers

Property related documents

Sale Agreement

Property purchase agreement Required

Sale Deed

Registered property deed Required

Title Documents

Property ownership proof Required

NOC

From builder/society Required
Need Help with Documents?

Our document specialists will guide you through the entire process and help you prepare all required paperwork.

Document checklist provided
Digital upload facility available
Expert assistance throughout
Call us at 7965174500 for assistance

Simple 6-Step Application Process

1

Apply Online

Fill out our simple online application form with your basic details and loan requirements.

2

Document Submission

Submit all required documents either online or at our nearest branch office.

3

Eligibility Check

Our team verifies your eligibility based on the provided documents and information.

4

Property Valuation

We conduct a valuation of the property to determine the loan amount you qualify for.

5

Loan Approval

Receive quick approval within 24 hours, subject to verification and eligibility.

6

Loan Disbursement

Funds are disbursed to your account or directly to the seller/developer as per agreement.

Properties We Finance

We accept a wide range of property types to meet diverse financing needs. From residential to commercial properties, we've got you covered.

Self-Occupied Residential

Independent houses, apartments, flats, and villas for your own residence and family living.

✓ Best Rates Up to 90% LTV
Residential Plots

Approved residential plots in developed areas for future construction of your dream home.

✓ RERA Approved Flexible Terms
Commercial Properties

Office spaces, retail shops, showrooms, and commercial complexes for business purposes.

✓ High Loan Amount Business Growth
Industrial Properties

Manufacturing units, warehouses, factories, and industrial plots for business operations.

✓ Large Scale Industrial Growth
Investment Properties

Rental properties, second homes, and investment apartments for generating rental income.

✓ Rental Income Investment Returns
Hospitality Properties

Hotels, resorts, guest houses, and hospitality ventures for tourism and accommodation business.

✓ Tourism Sector Business Opportunity
Retail Spaces

Shopping complexes, malls, retail outlets, and commercial spaces in prime locations.

✓ Prime Locations High Footfall
Educational Properties

Schools, colleges, coaching centers, and educational institutions for academic purposes.

✓ Social Impact Education Sector
Healthcare Properties

Hospitals, clinics, diagnostic centers, and healthcare facilities for medical services.

✓ Healthcare Sector Essential Services

Property Evaluation & Approval Process

Our expert team conducts thorough technical and legal evaluation of all property types to ensure secure financing.

Technical Evaluation

Property condition assessment

Legal Verification

Title and document check
Note: Agricultural properties are not eligible for financing under our current loan products.

Trusted by Thousands Across India

Our numbers speak for our commitment to excellence

0 Happy Customers Families we've helped achieve their dreams
0 Trusted Partners Dealers and agents nationwide
0 Team Members Dedicated professionals serving you
0 Crores Disbursed Total loans processed successfully

What Our Customers Say

Real stories from real customers who trusted us with their home loan journey

"Credifin made my home buying journey incredibly smooth. The team was professional, the process was transparent, and I got my loan approved within 24 hours as promised!"

Rajesh Kumar
Software Engineer, Bangalore

"Best interest rates in the market! I compared with 5 other banks and Credifin offered the most competitive package. Plus, no hidden charges - everything was crystal clear."

Priya Sharma
Marketing Manager, Delhi