Home Loan

Interest rates starting at 8.50%* p.a. | Loan of Rs. 15 Crore* | Tenure of up to 30 years.
A home loan can be opted to buy a new house/flat or a plot of land where you construct the house, and even for renovation, extension, and repairs to an existing house.

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Home Loan

Interest rates starting at 8.50%* p.a. | Loan of Rs. 15 Crore* | Tenure of up to 30 years.

A home loan can be opted to buy a new house/flat or a plot of land where you construct the house, and even for renovation, extension, and repairs to an existing house.

Types Of Home Loans In India

  • Home Loan : This is the most common type of home loan available to purchase a house. There are many housing finance companies, public banks, and private banks that offer housing loans where you borrow money to purchase the house of your choice and repay the loan in monthly installments.
  • Home Construction Loan : This is the right home loan type if you already have a plot of land and you need financing to construct a house on that land.
  • Home Extension Loan : Say you already own a house and you would like to extend the house with another room or another floor to accommodate the growing family. Home extension loans provide financing for this purpose.
  • Home Improvement Loan : A home improvement loan provides financing for renovating or repairing the house if there’s any fault in the existing system, such as painting the house’s interior or exterior, plumbing, upgrading the electrical system, waterproofing the ceiling, and more.
  • Home Loan Balance Transfer : The current home loan interest rate may be overwhelming, or you may not be happy with your current lender’s service; you can transfer the home loan’s outstanding balance to a different lender who offers a lower interest rate and better service. Upon transfer, you can even check out the possibilities of a top-up loan on your existing one.
  • Composite Home Loan : This type of home loan provides financing for purchasing the plot of land where you would like to construct a house and for the construction, both within a single loan.

Home Loans Features & Benefits

All you need to know about Cashdash Home Loan.

  • Loan of Rs. 15 Crore : Buying a home is one of the biggest milestones. Achieve it with a sizeable loan amount of Rs. 15 Crore*.
  • Low interest rates : With our loan interest rates starting at 8.50%* p.a., pay EMIs as low as Rs. 769/lakh*.
  • Approval in 48 Hours * : Your loan application will be approved within 48 Hours* of your application, in some cases, even earlier.
  • Tenure of up to 30 years : Pay back your loan comfortably with our long repayment tenure ranging up to 30 years.
  • No foreclosure fee for individuals : Individual borrowers who choose a floating interest rate can foreclose the entire amount or prepay a part of the loan without paying an additional fee.
  • Hassle-free application : Our doorstep document pick-up service helps to skip numerous branch visits and enables an easy application process.
  • Balance Transfer facility : Benefit from our home loan balance transfer facility and be eligible for a top-up loan of up to Rs. 1 Crore*.
  • Externally benchmarked interest rates : You can opt for interest rates linked to an external benchmark, such as the Repo Rate to benefit during favorable market conditions.

** Terms & conditions apply

6 Reasons To Choose Our Home Loan

  • Loan of Rs. 15 Crore.
  • Low-Interest Rates.
  • Disbursal in 48 Hours*.
  • Tenure of Up to 30 Years*.
  • No Foreclosure Fee.
  • Hassle-Free Application.

Eligibility Criteria & Documents Required

Anyone can apply for our home loan as long as they meet the criteria mentioned below.

Eligibility Criteria

  • Nationality : You must be an Indian citizen residing in India.
  • Age : A salaried applicant must be between 23 years to 62 years, and a self-employed professional must be between 25 years to 70 years.
    * The upper age limit is considered as the age at the time of loan maturity.
  • Cibil Score : A Cibil Score of 750 or higher is ideal to get a home loan
  • Occupation : Salaried, self-employed professionals like doctors and self-employed non-professionals are eligible to apply.

Required Documents

  • KYC Documents : (Identity & Address Proof)
  • Proof Of Income : (Salary Slips Or P & L Statement)
  • Proof Of Business : (For Self-Employed Applicants)
  • Account Statements : (Last 6 Months)

Step-By-Step Guide To Apply For A Home Loan

  • Step 1 : Click on the 'Apply' button on this page.
  • Step 2 : Enter your full name, mobile number, and employment type.
  • Step 3 : Now select the type of loan you wish to apply for.
  • Step 4 : Generate and submit your OTP to verify your phone number.
  • Step 5 : Upon OTP verification, enter additional details like your monthly income, required loan amount, and if you have identified the property.
  • Step 6 : In the next steps, enter your date of birth, PAN number and other details as requested depending on your selected occupation type.
  • Step 7 : Click on the ‘Submit’ button.

Applicable Fees & Charges

We advise you to read about our fees and charges thoroughly before applying.

Type Of Fee Applicable Charges
Rate Of Interest (ROI) Salaried Self-Employed Doctors
8.50%* To 14.00%* p.a. 9.10%* To 15.00%* p.a. 8.60%* To 14.00%* p.a.
Processing Fees Up to 7% of the Loan Amount.
Bounce Charges Up to Rs. 3,000.
Penal Interest Any delay in payment of monthly instalment/ EMI shall attract penal interest at the rate of Up to 2% per month on the monthly instalment/ EMI outstanding from the date of default until the receipt of the monthly instalment/ EMI.
Part-Prepayment Charges ** NIL
Foreclosure Charges NIL

Frequently Asked Questions

A home loan is a credit borrowed from a financial institution to buy a home. The loan is given at an interest rate depending on your profile. While taking the loan, you choose a repayment period to pay back the amount (principal) and interest in equated monthly installments (EMIs). You can either choose a fixed interest rate or a floating interest rate.

You can easily get a home loan of Rs. 15 Crore* or even higher from Cashdash if you meet our eligibility criteria. The sanctioned loan amount depends upon essential factors like your age, income profile, Cibil Score, and among other criteria.

Salaried professionals applying for a fresh home loan with Cashdash, must have the listed documents:

KYC Documents (Identity & Address Proof)

Proof of Income (Salary Slips)

Account statements (Last 6 Months)

Self-employed individuals applying for a fresh home loan from Cashdash, must have the listed documents:

KYC Documents (Identity & Address Proof)

Proof of Income (P & L statement)

Proof of Business

Account statements (Last 6 Months)

Once you have submitted all the essential documents, the loan amount will be approved within 48 Hours*. In some cases, it can get sanctioned even earlier.

** Terms & conditions apply

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