Home Loan in Surat
7.95%
Interest from
3–5 days
In-principle approval
₹5 Cr+
Max loan amount
Surat is a major commercial hub in Gujarat with strong residential demand along the Vesu–Adajan belt and beyond. A home loan in Surat can help you finance apartments and row houses with competitive rates and a streamlined digital process.
Popular areas for home loans in Surat include Vesu, Adajan, Pal, Athwa, Piplod, Varachha, Katargam, and City Light. Lenders offer tailored products for ready and under-construction properties across these localities.
Check your eligibility and compare home loan offers from multiple banks in minutes. Get in-principle approval quickly and complete the rest of the process online.
Why get a home loan in Surat with Easiloan
Rates from 7.95%
Competitive home loan interest rates for Surat properties from top banks and HFCs.
In-principle offer in 3–5 days
Quick eligibility check and in-principle approval to fast-track your purchase.
Coverage across Vesu, Adajan, Pal, Athwa
Home loans for major residential pockets across Surat city.
Fully digital application
Apply, upload documents, and track your application online from start to finish.
45+ lender choice
Compare offers from 45+ partner banks and HFCs on one platform.
Dedicated RM support
A relationship manager helps you choose the best offer and complete documentation.
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 Surat
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 Surat
Comparison Matrix: Top Home Loans in Surat
| 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 Surat
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Home Loan FAQs – Surat
What is the current home loan interest rate in Surat?
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, or ICICI.
Which localities in Surat are commonly financed?
Vesu, Adajan, Pal, Athwa, Piplod, Varachha, Katargam, and City Light are among the localities lenders actively finance for ready and under-construction homes.