Get Your Dream Home
With Easy Home Loans!
Get financing to purchase commercial spaces like offices, shops, or showrooms, with funding up to 90% of the property’s value.
- Loan up to ₹1 Crore
- Tenure of up to 20 years
- Balance transfer Available
- Fast And Easy Process
- Minimum Documentation
Zero Fees & Charges
Lowest Interest Rates
Fully Online Process
50+ Banks & NBFC
Apply Now & Get Fast Approval!
Highlights
Apply for a Home Loan Today!
CreditCares offers Home Loans starting from 7.35% per annum, with flexible repayment terms of up to 30 years. This loan helps you buy your dream home — whether it’s a flat, bungalow or an under-construction property. We partner with 50+ banks and NBFCs to bring you some of the most competitive interest rates and flexible repayment options. The process is simple, with minimal documentation and quick loan approval. You can finance up to 90% of the property value, making home-ownership more accessible without straining your finances. With CreditCares, buying your own home becomes smoother and more affordable.
Home Loan Details
Home Loan Interest Rates in India (2025)
Our Home Loan interest rates range from 7.35% to 10.75% per annum. Rates may vary depending on the loan amount, property type, and the borrower’s credit profile. Lenders also assess factors such as CIBIL score, income stability, property valuation, repayment capacity, and location before deciding the final home loan interest rate.
Eligibility Criteria for Home Loan
Home Loan eligibility is determined by factors such as age, income, credit score, employment type, and existing financial obligations. To qualify, you must be an Indian citizen, typically between 21 and 70 years of age. Salaried applicants are usually eligible up to 60–67 years, while self-employed individuals can apply up to 70 years, depending on the lender. A CIBIL score of 750 or above and a stable income improve your chances of approval and help secure better interest rates.
In addition to the above eligibility criteria, banks and NBFCs also review the applicant’s credit history, property details, and income stability while assessing Home Loan eligibility. They may evaluate the CIBIL score, employment track record, and property’s legal and technical status before final approval.
Documents Required for Commercial Purchase
Here is the list of documents required by banks for availing Commercial Purchase:
- Passport (optional)
- Driver’s license
- Aadhar card*
- Voter ID card
- PAN card*
- Utility bills (electricity, water, gas)*
- Sale Agreement
- Title Deed
- Approved Building Plan
- GST registration certificate.
- Partnership deed (for partnerships business)
- Memorandum and Articles of Association (for companies)
- Trade license
- Shop and Establishment certificate
- Udyam certification with annexure
- GST certificate
- Business bank statements
- Income tax returns of the business
- GSTR 3b
- Audited financial statements (Profit and Loss statement, Balance Sheet)
- Business income proof (such as sales invoices, contracts, or revenue statements)
- Passport-sized photographs
- References
- Proof of down payment or own contribution
- Having a co-applicant is mandatory.
- In certain cases, having a woman co-applicant is also mandatory.
- A co-applicant can be a spouse or any first blood relative, such as parents, siblings, or children who have attained the age of maturity (subject to the income-ownership grid).
- All co-owners of the property must be part of the loan structure.
- Friends cannot be co-applicants unless they are coming in the capacity of partners, directors, or shareholders.
What We Do?
At CreditCares, we are your trusted Home Loan DSA, dedicated to making the process of buying your dream home smooth and stress-free. Our experienced team works closely with India’s top banks and NBFCs to help you compare offers, find the best interest rates, and complete your home loan process with ease.
We take pride in being a leading Home Loan DSA in India, offering expert guidance and personalized support at every stage — from checking eligibility to document submission and final approval. Whether you’re planning to buy a flat, independent house, or under-construction property, our team ensures a seamless experience from start to finish.
Choose CreditCares as your Home Loan DSA partner and enjoy transparent service, fast processing, and complete assistance in securing your ideal home at the best possible rate.
Our Happy Clients
Frequently Asked Questions
Home loan interest rates in India currently start from 7.35% per annum, depending on the lender, applicant’s profile, CIBIL score, and income stability. Leading banks and NBFCs offer competitive rates for eligible borrowers.
Most banks and NBFCs offer home loan repayment tenures of up to 30 years, depending on the borrower’s age and income profile. Longer tenures help reduce monthly EMI amounts.
Lenders usually offer a loan amount up to 60–90% of the property value or up to 60 times your monthly income, depending on your income, credit score, and existing EMIs.
Yes, you can apply for a joint home loan with your spouse, parents, or immediate family members. A joint application increases your loan eligibility and sharing of tax benefits.
Documents typically include identity proof, address proof, income proof, property documents, and bank statements. Self-employed applicants also need to provide ITRs and business financials.