Loans
Home Loan
A straightforward path to the home you want.
Finance the purchase, construction or improvement of your home with flexible tenures and a fully digital application.
Up to 80%
Approx. funding
8.5% - 10.5%
Approx. Rate p.a.
₹5L
Min. Amount
Indicative Rates Disclaimer
The Loan-to-Value (LTV) ratios and interest rates displayed on this website are indicative only and are subject to change without notice. All rates and LTV figures are provided for general informational purposes and do not constitute a formal offer, commitment, or guarantee of any financial product or service.
In focus
Home Loan
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Calculator
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Home Loan EMI
Plan the instalment on your home loan
Monthly EMI
₹43,391
Indicative EMI. Actual terms confirmed after review.
Overview
What is Home Loan?
A home loan finances the purchase, construction or renovation of a residential property and is repaid over a long tenure in monthly instalments. The property being financed serves as security, which keeps the rate competitive and the tenure long. A structured, largely digital process means you can plan the purchase with clarity on your instalment and eligibility upfront.
Why consider it
- For purchase, construction or renovation
- Long tenures with predictable monthly instalments
- Competitive, secured rates
- Clear eligibility and a largely digital process
Process
How it works
A concise, largely digital journey from enquiry to disbursal.
Share your requirement
Tell us what you need and the asset you'd like to borrow against.
Submit documents
Provide a short set of documents — largely digital, no branch visit.
Assessment & approval
We assess your profile and the collateral, and confirm your terms.
Funds disbursed
On acceptance, the amount is transferred to your registered bank account.
Why AltWealth
Liquidity without disruption
Your investments stay invested
Borrow against your holdings without selling — your NAV and long-term returns keep compounding.
Quick, digital disbursal
A concise online application with approvals typically in 24–48 hours. No branch visits.
No credit-score hurdle
The facility is secured against your securities, so a CIBIL score isn't the gate.
Regulated lenders
Facilities are arranged with RBI-regulated lenders, with a digital lien on your holdings.
FAQs
Frequently Asked Questions
What can a home loan be used for?
It can fund the purchase of a ready or under-construction home, self-construction on a plot you own, or the renovation and improvement of an existing home.
How much of the value is funded?
A large share of the property's value is typically financed, with the balance contributed by you as a down payment. Exact figures depend on the property and your profile.
How long is the tenure?
Home loans are usually offered over long tenures, which keeps the monthly instalment manageable. You can choose a tenure that fits your repayment comfort.
What documents are needed?
Typically identity and address proof, income documents, and the property papers. The exact list is shared once you begin the application.