Loan Bhi, Insurance Bhi
Apply for Home Loans online at CompareEMI.in. Competitive ROI, quick pre-checks for salaried, self-employed & professionals. Financing for home purchase, construction, balance transfer and top-up. Loans up to high values for eligible borrowers with property security.
Quick pre-check for salaried, self-employed and professional applicants — know your estimate before you apply.
We compare rates, policy terms and exceptions from multiple banks & NBFCs to find the best fit for your home loan request across major Indian cities.
We assist applicants across metros and large cities with property valuation support and lender introductions for faster home loan processing.
Home loans finance purchase, construction, renovation, balance transfer and top-up requirements for residential property. Lenders evaluate two central factors: repayment capacity (net monthly income / business cashflow after obligations) and collateral value (property market value & its acceptable LTV). CompareEMI.in runs a conservative pre-check combining FOIR (for salaried / professionals) and LTV-based collateral checks so you see a realistic eligibility estimate before applying with documentation.
We handle applications for salaried individuals, self-employed business owners and professionals, supporting property valuation, loan structuring and lender shortlisting. For property in major cities we also advise on local valuation expectations, stamp duty implications and documentation typically required for verification.
Lenders typically offer a % LTV (Loan to Value) based on property type & location. For residential property LTVs commonly range 70%–90% (lender dependent). We use property value input to show collateral-based eligibility and compare with income-based capacity.
Common documents: property title, sale agreement, approved plan, property tax / municipal receipts, ITR, bank statements, and ID/KYC. Lender may order a professional valuation before sanction.
Pre-check uses a conservative tenure of 20 years (240 months) and lender-specific ROI assumptions (example ROI ~7.5% for home loans) to produce realistic EMI & principal estimates.
How it works: enter contact & property / income details. We calculate both income-based and collateral-based eligibility and show the more conservative, realistic estimate. Server re-calculates on submit; final approval depends on lender underwriting and verification of documents.