New Home Loan – Apply Online in India
You are just a step away
from your dream homePresenting India's 1st digital home loan
Your Gateway to
Best Home Loan Offers
Our API-based integration with leading banks and HFCs offers digital processing of your application faster and easier - empowering you to compare and choose the best option.
45+
bank Partners
50%
faster approval
7200+
LOAN APPROVALS
Trusted by 7200+
Partners & Customers
“I am grateful for services provided by your firm and especially Shri Shaival Patel ji for all support and true efforts put by him to facilitate me for having loan from HDFC.”
Anip Halpati
“It was very helpful of you to support on the financial planning and process to acquire the property. We were hopeless and about to drop the plan until you gave us assurance of benefiting us with the maximum credit allowance from the financial institutions. It was your financial knowledge that helped us to take a leap of faith. Thanks for the support you have provided. We are waiting for your positive energy towards fulfilling the desired task from the institution.”
Samit Nair
“You have been very approachable and have explained and clarified all our queries to our satisfaction. Thank you Mehul and we look forward to your continued support.”
Delzon D'silva
Contact us
New home loan in India: how to apply online
A new home loan is for buying a first or next home — under-construction or ready-to-move — not for transferring an existing EMI or raising extra funds against a house you already own. Compare partner bank and HFC offers on Easiloan at 0% platform fee, then apply digitally.
Who this product is for
First-time buyers, upgraders, and anyone financing a fresh purchase. If you already have a home loan and want a lower rate, start with balance transfer. If you need extra funds on that loan, see top-up home loan.
Eligibility & EMI
Lenders look at income, FOIR, CIBIL (typically 700+, 750+ for sharper pricing), and loan-to-value on the property. Estimate EMIs on the home loan EMI calculator and check borrowing power on the eligibility calculator before you apply.
Documents for a new purchase
Keep KYC, last 6 months of salary slips or 2–3 years of ITR, bank statements, and the sale agreement or builder allotment ready. Under-construction projects may also need RERA details and the builder’s approvals. Our advisors map the list to your profile after you start an application.
Rates, fees & 2026 market context
Partner new-purchase offers can start from competitive floating rates depending on credit and LTV. Processing fees, valuation, and stamp duty are lender- and state-specific and shown before you proceed. For the wider 2026 rate and demand picture, read India home loans 2026: rates and demand.
New home loans by city
Stamp duty, typical ticket size, and documentation norms vary by market. Open a city guide, or compare offers from the home loan hub.
New home loan FAQs
What documents do I need for a new home loan?
You typically need identity proof (Aadhaar, PAN), income proof (salary slips or ITR), property documents (agreement to sell or allotment letter), and bank statements. Easiloan guides you through the exact list based on your employment type and the property you are buying.
What is the interest rate for a new home loan in India?
New-purchase home loan rates vary by bank and borrower profile. Partner offers on Easiloan can start from about 7.25% p.a. for eligible salaried applicants. Compare offers after a quick eligibility check to see the rate that applies to you.
How long does new home loan approval take?
With Easiloan’s digital process, you can get in-principle offers in minutes. Full sanction and disbursal depend on the lender, property valuation, and legal verification — often within a few weeks once documents are complete.
How is a new home loan different from a balance transfer or top-up?
A new home loan finances a fresh purchase. A balance transfer moves an existing loan to a lower rate. A top-up adds extra funds on an existing mortgage. Use this page if you are buying; use Balance Transfer or Top-up if you already have a home loan.
Recommended Tools
Apply for Home Loan
Compare offers and apply online with instant sanction
EMI Calculator
Calculate monthly installments instantly
Eligibility Checker
Check your loan eligibility from top banks
Balance Transfer
Switch and save on your existing loan
NRI Home Loans
Specialized offers for non-resident Indians
Plot Loans
Funding for residential land purchase
Top-up Home Loan
Extra funds on your existing home loan
Banks & HFCs
Compare partner bank rates, fees and eligibility