Long tenures
Repayment can extend up to several years, which can keep EMIs comfortable.
Home Loan Solutions
From your first home to your next upgrade, with clear guidance at each step.
Orvanta is a financial solutions and loan facilitation platform. We are not a bank, NBFC or lender, and we do not sanction or disburse loans. Loans are offered by our banking and financial institution partners, subject to their eligibility criteria, credit assessment and policies.
- Loan amount range
- ₹5 Lakh – ₹10 Crore
- Indicative interest range
- 8.3% – 13% p.a.
- Varies by lender, profile and credit history. Illustrative placeholder values.
- Repayment tenure
- 5 to 30 years
Amount, rate and tenure figures are editable placeholders (src/data/pricing.ts).
Overview
About Home Loan
A home loan funds the purchase of a ready or under-construction property, self-construction, extension or renovation. Balance transfer lets you move an existing home loan to another lender, subject to terms.
Home loans involve legal verification of the property and long tenures. We help you understand eligibility, documentation and the total cost of borrowing before you commit.
Who can apply
- Salaried and self-employed Indian residents
- NRIs (subject to lender policy and documentation)
- Co-applicants such as spouses or family members, as per lender norms
Eligibility
Eligibility at a glance
Criteria vary by lender. This is a general guide, not a commitment.
Salaried applicants
- Regular income supporting the EMI
- Minimum employment stability per lender
- Healthy credit history
Self-employed applicants
- Established business or practice (commonly 3+ years)
- Income documented through ITR and financials
- Healthy credit history
Documentation
Basic documents you may need
Exact requirements are set by the lender. Share documents only through secure channels. Never send them over social media or unverified links.
Salaried
- Identity and address proof (as per KYC norms, shared securely with the lender)
- Latest 3 months’ salary slips
- Latest 6 months’ salary-account bank statement
- Employment proof / Form 16 where applicable
- Property papers: agreement / allotment letter / sale deed (as applicable)
Self-employed
- Identity and address proof (as per KYC norms, shared securely with the lender)
- Latest 2–3 years’ ITR with computation of income
- Latest 12 months’ bank statements
- Business proof (registration / GST / Udyam / shop licence)
- Property papers: agreement / allotment letter / sale deed (as applicable)
Key benefits
Why consider a Home Loan
Co-applicant options
Adding an eligible co-applicant can improve eligibility, subject to lender norms.
Balance transfer guidance
Evaluate whether moving an existing loan makes sense after considering all costs.
Tax provisions may apply
Income-tax benefits may be available under prevailing law. Consult your tax adviser.
Application process
A clear, step-by-step process
You always know what happens next, and who decides what.
- 1
Share your enquiry
Fill the short form or call us. No PAN, Aadhaar or OTP is needed at this stage.
- 2
Profile discussion
A financial expert understands your requirement, income, obligations and timelines.
- 3
Options from partners
We shortlist suitable products from our banking and financial institution partners based on your profile and their policies.
- 4
Documentation
You share documents securely with the lender as they request. We help keep the file complete and organised.
- 5
Lender assessment & sanction
The lender evaluates your application and decides on approval, pricing and terms. We keep you informed.
Calculator
Check your indicative eligibility
An illustrative estimate using the details you enter. Nothing is sent to us.
Your indicative result appears here
Enter your monthly income and the amount you need.
Indicative estimate
- Indicative interest rate range
- -
- Estimated EMI
- -
- Indicative eligibility
- -
Documents usually required
Next steps
- Speak to a financial expert to validate these assumptions.
- We shortlist suitable partner lenders based on your profile.
- You share documents securely with the lender, who decides on sanction.
Indicative only. Not an offer or assurance of approval. Final eligibility, pricing and sanction are determined by the lending institution.
FAQs
Home Loan: Frequently asked questions
How much home loan can I get?
It depends on your income, obligations, age, credit profile and the property’s value. Lenders usually finance a portion of the property value and limit EMIs to a share of income.
Is a floating or fixed rate better?
Each has trade-offs. Floating rates move with benchmarks; fixed or hybrid structures offer certainty for a period. Please compare lender terms carefully.
Is approval of a home loan guaranteed?
No. Approval, amount, interest rate and tenure are decided only by the lending institution after assessing your credit profile, income, obligations and its own policies. We help you identify suitable options but cannot assure an outcome.
Do I need to share PAN, Aadhaar or OTPs on this website?
No. Our enquiry form does not collect them, and we will never ask for OTPs, passwords or card/UPI PINs. KYC documents are shared directly and securely with the lender when you proceed.
Are you a bank or NBFC?
No. We are a financial solutions and loan facilitation platform that works with banking and financial institution partners. Loans are sanctioned and disbursed by the lender.
Apply now
Home Loan enquiry
Share your requirement and a financial expert will get in touch. This is an enquiry, not a loan application.
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Larger-ticket secured finance by mortgaging residential or commercial property.
Learn moreYour Financial Goals Deserve the Right Guidance.
Tell us what you are planning. A financial expert will understand your needs, explain your options clearly and help you take the next step with confidence.
No PAN, Aadhaar or OTP is required to enquire. An enquiry does not guarantee approval of any product.