Home finance & insurance in one advisory
Compare home-loan offers from top banks and NBFCs, plus loan-secure insurance to protect your EMIs.
Overview
Why choose PolicyFacts for housing loan?
A home loan is a 20-year decision — a 0.25% rate difference is worth ₹4–6 lakh over its life. We compare offers from 15+ banks and NBFCs, negotiate on your behalf and bundle a loan-secure term cover so a difficult year never puts the roof at risk.
- Rates from 8.35% p.a. — 15+ lenders compared side-by-side
- Balance transfer & top-up assistance
- Loan-secure term cover bundled at cost
- End-to-end documentation & sanction support
What's covered
Every detail that matters, handled.
Features we insist on before recommending any housing loan plan.
Best-rate guarantee
Rates from 8.35% p.a. — if you find lower, we'll match or better it.
15+ lenders
HDFC, SBI, ICICI, Axis, Bajaj, LIC HFL and more — one application, all quotes.
Loan up to ₹5 Cr
Salaried, self-employed and NRI eligibility — up to 90% LTV on select properties.
Zero paperwork chase
Doorstep document collection and digital sanction — you don't visit any branch.
Balance transfer
Move existing loans to a lower rate; we handle foreclosure and re-documentation.
Loan-secure cover
A reducing-balance term plan that pays off the outstanding loan if the borrower isn't around.
Plans
Three tiers, one honest recommendation.
Indicative pricing. Actual quotes depend on age, city and profile — we'll walk you through it in a 15-minute call.
Salaried Prime
For salaried professionals.
from 8.35% p.a.
- Up to ₹2 Cr loan
- Tenure up to 30 years
- 90% LTV possible
- Processing fee waiver
Self-Employed Pro
For business owners.
from 8.75% p.a.
- Loan against ITR/bank statements
- Up to ₹5 Cr
- Overdraft variant available
- Flexible EMI structure
Balance Transfer+
Move & save.
from 8.45% p.a.
- Rate drop of 0.5–1.5%
- Top-up up to 40 L extra
- Zero foreclosure charges
- Same-EMI shorter tenure option
The process
From quote to claim, in four steps.
No hidden calls, no pushy sales. A calm, senior advisor walks you through every stage.
Eligibility check
5-minute soft check — no impact on credit score.
Compare 15+ offers
We put rate, tenure, processing fee and pre-payment terms on one page.
Document & sanction
Doorstep pickup, digital verification, sanction in 5–7 working days.
Disbursement
Directly to the builder/seller. We stay involved until keys are in your hand.
Common questions
Answers before you have to ask.
Still have questions? A senior advisor will call you back within the hour, on your preferred number.
Request a callbackFixed vs floating rate — which is better?
Floating usually wins over a 20-year loan because RBI cycles average out. Fixed makes sense only in a rising-rate environment for a 3–5 year horizon.
What is the ideal loan tenure?
The shortest tenure your EMI can comfortably support — every extra year adds significant interest. We show you total interest for 15/20/25/30 year options side-by-side.
How much can I actually borrow?
Banks typically approve loans where EMI ≤ 45–55% of monthly income. On a ₹1 L salary, that means roughly a ₹55–70 L loan at current rates.
Should I take a loan-secure cover?
Yes, especially if you're the sole earner. A reducing-balance term plan costs a fraction of the loan EMI and ensures the loan never becomes a burden on family.
Ready when you are
Not sure which policy is right for you?
Book a 15-minute call with a certified advisor. No sales pitch — just a clear plan and honest numbers, in plain English.