Home Loan in Gurugram
7.95%
Interest from
3–5 days
In-principle approval
₹10 Cr+
Max loan amount
Gurugram is a premium NCR market with strong demand from professionals and investors. A home loan in Gurugram can help you buy a flat or villa in established sectors and emerging corridors along the Dwarka Expressway.
Common areas for home loans in Gurugram include Golf Course Road, Sohna Road, Dwarka Expressway, New Gurgaon, Sector 57, Sector 62, Sector 83, and Manesar. Lenders offer competitive rates for both under-construction and ready properties.
See your eligible loan amount and compare home loan offers from multiple banks. Get in-principle approval in a few days and complete the application online with minimal branch visits.
Why get a home loan in Gurugram with Easiloan
Rates from 7.95%
Competitive home loan rates for Gurugram properties from leading banks and HFCs.
In-principle offer in 3–5 days
Quick eligibility check and in-principle approval to fast-track your purchase.
Coverage across DLF Phases, Sohna Road, Golf Course Extension
Home loans for DLF Phases, Sohna Road, Golf Course Extension, and nearby corridors.
Digital application
Apply and submit documents online; track your loan until disbursal.
Strong builder-project tie-ups
Access lender offers linked to RERA-registered builder projects across Gurugram.
Expert support on RERA-approved projects
Guidance on documentation and lender requirements for RERA-approved properties.
How it works
1. Sign up & Apply
Sign Up/ Register with us in seconds and share your loan requirements with Easiloan
2. Compare Options
Get customized options by our proprietary AI-based Instant match making tool
3. Select Best Offer
Choose one offer from multiple options that suits your home loan requirements the best
How to Apply for a Home Loan in Gurugram
In 4 Digital Steps
Digital Eligibility Check
Check your loan eligibility across 20+ banks instantly using our AI-driven calculator.
Expert Offer Comparison
Compare customized interest rates and processing fees to find the perfect lender.
Digital Paperwork
Upload document scans via our secure portal for parallel processing with multiple banks.
Instant Sanction
Get your in-principle sanction letter faster through our prioritized bank partner channels.
Preferred Lenders in Gurugram
Comparison Matrix: Top Home Loans in Gurugram
| Lender | Interest Rate | Processing Fee | Max Tenure |
|---|---|---|---|
| SBI Home Loan | 7.90% - 8.30% p.a. | ₹5,000 + GST | 30 Years |
| HDFC Home Loan | 7.45% - 7.80% p.a. | ₹5,000 + GST | 30 Years |
| ICICI Home Loan | 7.90% - 8.35% p.a. | ₹5,000 + GST | 30 Years |
| Axis Bank Home Loan | 7.90% - 8.35% onwards | ₹5,000 + GST | 30 Years |
| LIC Housing Finance | 7.60% - 8.25% onwards | ₹10,000 + GST | 30 Years |
| IIFL Home Loan | 8.50% - 8.85% p.a. | 0.25% + GST | 30 Years |
| Bajaj Finserv Home Loan | 8.60% onwards | Up to 0.50% + GST | 30 Years |
| PNB Housing Home Loan | 8.50% onwards | Up to 1.00% + GST | 30 Years |
| Central Bank Home Loan | 8.55% onwards | 0.50% + GST | 30 Years |
*Interest rates are subject to change based on borrower profile and bank policy. Last updated: July 2026.
Easiloan is a loan advisory platform, not a direct lender. Rates shown are indicative, sourced from partner banks, and subject to change based on your eligibility and the lender's final assessment.
Home loan guides for Gurugram
Fixed vs Floating Home Loan Rates: Which Should You Choose?
Compare fixed and floating home loan interest rates in India. Understand pros, cons, and when to choose each. Use our eligibility calculator to see your offers.
Read moreHome Loan Documents List: What You Need to Apply
Complete checklist of documents required for a home loan in India. Identity proof, income proof, property papers, and bank statements. Apply online with Easiloan.
Read moreHow to Improve Home Loan Eligibility: 7 Practical Tips
Increase your home loan eligibility with these tips: higher income proof, lower FOIR, co-applicant, and clearing debts. Check your eligibility on Easiloan.
Read moreStamp Duty & Registration in Gurugram
In Haryana (Gurugram), stamp duty and registration typically total about 6–7% of agreement value. Women buyers may get concessional duty where notified. Lenders typically finance property value per LTV, not stamp duty.
Authority & DTCP Properties
Lenders finance HUDA/DTCP-approved layouts, RERA-registered under-construction projects, and ready units with clear title. GPA-only or unauthorized colonies are usually ineligible.
Home Loan FAQs – Gurugram
What is the current home loan interest rate in Gurugram?
Rates on Easiloan start from 7.95% p.a. Final rate depends on CIBIL, income, LTV, property type, and chosen bank such as SBI, HDFC, ICICI, or LIC HFL.
What are eligibility criteria for a home loan in Gurugram?
CIBIL 700+ preferred, FOIR 40–65%, age 21–70 at maturity, salaried 6–12 months job vintage, self-employed 2–3 years continuity, and RBI LTV caps on property value.
Are DTCP-approved plots in Gurugram eligible for home loans?
Yes with clear title—DTCP/HUDA approvals, sanctioned layout, and conversion order if applicable are commonly required. Unauthorized or GPA-only properties are often declined.
What documents are required for a home loan in Gurugram?
KYC, income proofs (salary slips/ITRs), property agreement, title chain, sanctioned plan, OC/CC for ready units, society/authority NOC, and demand letters for under-construction.