Get expert guidance on home loans โ comparing 15+ banks and HFCs, checking eligibility, preparing documentation, and getting sanction faster. Rates starting from 7.10% p.a. Acculex makes homeownership simple, affordable, and stress-free.
A home loan is likely the largest financial commitment of your life โ lasting 20 to 30 years. A difference of just 0.25% in interest rate on a โน50 lakh loan over 20 years translates to over โน2 lakh in extra cost. Choosing the wrong lender, wrong tenure, or wrong loan type can cost you lakhs over the loan period.
Acculex's home loan advisory service helps you compare rates across 15+ lenders, identify the most suitable product for your income profile, maximize your loan eligibility, leverage government schemes (PMAY, interest subsidy), claim all eligible tax benefits, and smoothly navigate the documentation and sanction process.
Most home loan agents only help with the loan. Our CA-backed team does more: we also help you understand the tax implications of your purchase, ensure the property's legal title is clear for the bank's mortgage, optimise your ITR to reflect maximum income for eligibility, advise on old vs new tax regime based on your home loan, and coordinate between the banker, the seller's lawyer, and the sub-registrar. True end-to-end support.
Rates below are indicative as of May 2026. With RBI repo rate at 5.25% (cut 125 bps in 2025), home loan rates are at multi-year lows. All floating rate loans are EBLR/RLLR-linked โ rates change when RBI changes repo rate.
| Lender | Starting Rate | Loan Amount | Tenure | Special Feature |
|---|---|---|---|---|
| SBI (State Bank of India) | 7.10% p.a. onwards | Up to โน15 Crore | Up to 30 years | Women borrowers get 5 bps concession |
| HDFC Bank | 7.75% p.a. onwards | Up to โน10 Crore | Up to 30 years | TruFixed option โ partial fixed tenure |
| ICICI Bank | 7.50% p.a. onwards | Up to โน10 Crore | Up to 30 years | Pre-approved home loan โ online sanction |
| Axis Bank | 7.60% p.a. onwards | Up to โน5 Crore | Up to 30 years | Step-up EMI for younger borrowers |
| Kotak Mahindra Bank | 7.75% p.a. onwards | Up to โน10 Crore | Up to 25 years | Balance transfer + top-up facility |
| LIC Housing Finance | 7.50% p.a. onwards | Up to โน15 Crore | Up to 30 years | Trusted HFC with wide reach |
| Bank of Baroda | 7.15% p.a. onwards | Up to โน10 Crore | Up to 30 years | PSU bank โ lower rates for public sector employees |
*Rates are indicative and depend on CIBIL score, loan amount, employment type (salaried vs self-employed), and individual lender policy. Contact us for a personalised rate comparison based on your specific profile.
Buy a ready-to-move flat, villa, or independent house โ under-construction or resale. LTV (Loan-to-Value) up to 80โ90% of property value depending on loan amount. Most common home loan type.
Build on a plot you already own. Disbursed in stages as per construction progress โ approved by bank's technical officer. Plot + construction financing also available as a combined product.
Finance for extending an existing home (additional floor, room) or major renovation. Slightly higher rates than purchase loans. No LTV restriction as no new purchase โ based on income and repayment capacity.
Transfer your existing home loan from a high-rate lender to one offering a lower rate. Can save โน5โ20 lakh over the loan tenure depending on outstanding principal, remaining tenure, and rate difference. We calculate exact savings before recommending.
Additional loan on top of your existing home loan โ without providing new collateral. Based on your repayment track record and property value appreciation. Interest rate similar to home loan. Can be used for any personal or business purpose.
Specifically designed for Non-Resident Indians purchasing property in India. Can be availed jointly with resident co-applicants. Repatriation of EMI through NRE/NRO account. FEMA compliance guidance provided by our CA team.
A home loan is one of the most tax-efficient financial decisions you can make โ but only under the Old Tax Regime. Under the new tax regime (default from FY 2023-24), home loan deductions are not available. Our CA team helps you decide which regime genuinely saves you more money.
Section 24(b) โ Interest on Home Loan: Deduction up to โน2,00,000 per year on interest paid for a self-occupied property. No limit for rented property (actual interest paid).
Section 80C โ Principal Repayment: Up to โน1,50,000 per year on principal repaid (within the overall โน1.5L Section 80C limit โ along with PPF, ELSS, LIC etc.)
Section 80EEA (First-Time Buyers โ Affordable Housing): Additional โน1,50,000 deduction on home loan interest โ for first-time buyers of property with stamp value โค โน45 lakh and loan sanctioned between 1 April 2019 and 31 March 2022.
Total Maximum Annual Deduction: Section 24(b) โน2L + Section 80C โน1.5L = โน3.5L per year (or up to โน5L with 80EEA if eligible). At 30% tax slab = โน1.05L to โน1.5L annual tax saving.
We check your home loan eligibility based on your income, existing EMIs, credit score, and property value โ across multiple lenders โ and tell you the maximum loan amount you can get and at what rate. Takes 30 minutes. No application, no CIBIL hit.
We compare rates, processing fees, prepayment charges, reset frequency, and overall loan cost across 15+ banks and HFCs โ and recommend the optimal lender for your specific income, property type, and loan amount. Not all lenders are equal for all profiles.
We prepare and organise your complete application: income proof (ITR, salary slips, Form 16), property documents (title deed, NOC, approved plan, OC/CC), KYC documents, and any additional bank-specific requirements. Errors in documentation are the most common reason for delays.
Application submitted to the selected lender. We track your application status, respond to bank's additional queries, coordinate with the bank's technical officer for property valuation, and the bank's legal panel for title verification โ until sanction letter is issued.
We review the sanction letter โ checking rate, tenure, conditions, and charges. Any unfavorable terms are negotiated. We guide you through registration, disbursement formalities, and explain NACH mandate setup. Post-disbursement: we advise on optimal prepayment strategy to minimize total interest outgo.
We tell you your real eligibility before submitting any application. No blind applications that harm your CIBIL score through hard inquiries. Fix issues first, apply with confidence.
0.25% rate difference on โน50L loan over 20 years = over โน2L savings. We systematically compare across 15+ lenders to find the best rate for your specific profile.
Our CA team advises on old vs new tax regime, property tax implications, capital gains on previous property sale, and maximising Section 24(b) and 80C deductions. No other loan agent offers this.
We help NRIs navigate property purchase in India โ FEMA compliance, NRE/NRO account management, repatriation planning, and LTCG tax on future sale. Complete advisory for overseas buyers.
We calculate the exact break-even point for balance transfer โ considering processing fees, prepayment charges, and rate savings โ and advise only when it genuinely saves you money.
We don't push you to apply before you are ready. We explain every option, answer every question, and support your decision-making โ without the aggressive sales tactics typical of commission-driven agents.
Most banks require a minimum CIBIL score of 700 for home loan approval โ with the best rates (lowest spread over repo rate) typically offered to borrowers with CIBIL 750 or above. Scores between 650 and 700 may result in higher rates or require a stronger co-applicant. Below 650 makes approval very difficult from banks โ though some HFCs like DHFL, PNB Housing Finance, and NBFCs have more flexible norms. We assess your score before applying and, if needed, advise specific steps to improve it within 3โ6 months.
In India, floating rates are generally more advantageous over the long term for home loans. Floating rates are linked to RBI's repo rate โ when RBI cuts rates (as it did by 125 bps in 2025), your EMI or tenure reduces. Fixed rates provide certainty but are usually 1โ2% higher than floating at the time of sanction, making the total cost higher over 20โ30 years. Hybrid rates (fixed for 2โ3 years then floating) offer a middle ground. We explain the implications of each for your specific situation and help you make the right choice.
Yes โ for under-construction properties, home loans are sanctioned and disbursed in stages as construction progresses, even before the property is registered in your name. The builder's RERA registration and project approvals are key documents. For resale properties, the loan is typically approved before registration but disbursed at or around the time of registration. We coordinate the timing between bank disbursement and property registration to ensure a smooth transaction.
Free eligibility check + rate comparison across 15+ lenders. Tax benefit advisory included. NRI home loans our speciality.