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Home Loans


Any loan taken to purchase a property or to construct a building on a plot of land is considered as Home Loan.  It is a secured loan and the collateral is the primary property for which you avail a loan.

In recent times, our government also encourages us to take Home loans and thereby subsidies are given on the principal and interest components of the loan.

There are various types of Home loans briefly categorized into:

  • Home Loans
  • Home Construction Loans
  • Land Loans
  • Home Extension Loans
  • Home Improvement Loan
  • Balance Transfer of existing home loan
  • Composite Loan


InstaFin is tied up with all leading banking & non-banking financial institutions for providing loans to all types of customers.  Our Key partners include HDFC Bank Ltd., ICICI HFC, Kotak Mahindra Bank Ltd., Axis Bank Ltd., PNB HFL. LIC Housing Finance, Federal Bank, DNS Bank, Janakalyan, IndiaBUlls, InCred, Edelweiss, Aadhaar, Cholamandalam, Yes Bank, IDFC, Capital First, Tata Home Finance etc. InstaFin can arrange home loan from any of the above institutions. The home loan interest rates can vary from institution to institution.  The home loan interest rate also differs for various individuals depending on if the client is salaried or self-employed and the source of income.  

Home Loans can be given to salaried individuals, self-employed professionals and self-employed businessmen.  The procedure of calculation varies for all the three categories of Individuals.  Please check the loan EMI calculator option in the website..  The loan emi calculator can give you details of EMI, Tenure, etc..You can check your home loan eligibility also with the help of the loan EMI Calculator. The home loan processing fee is differs bank to bank.  However cetain times, there are attractive offers for home loan customers which gives them a discount in fees.  The tenure of home loan can vary from 5 to 30 years. In India we have fixed and floating rate of interests. In Fixed rate of interest, the rate remains the same throughout the tenure, subject to reset clause.  In Floating rate of interest commonly referred to as ARHL, the rate can change.


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