Housing Loan

🏠 Own Your Dream Home
Loans starting at 8.99%*!

Get your dream home with a loan up to ₹35 lakh, starting at 8.99%* interest and Repayment options up to 20 years. Start your journey today and step into your dream home with confidence

🏠 Own Your Dream Home <br/>Loans starting at 8.99%*!

Transparent terms. No surprises across a 20-year tenure

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High Loan‑to‑Value Financing

Maximize your home purchase power–Hindusthan Bank finances up to 85% of the market value or agreement value of the property — whichever is lower.

📅

Tenure Up to 20 Years

Longer Tenure: Reduce your monthly EMI — making homeownership accessible even on a moderate income. Shorter Tenure: Pay off faster and lower your total interest outgo over the life of the loan.

🏗️

Stage Disbursement for Construction Loans

For home construction and plot + construction loans, the loan amount is disbursed in stages — aligned with construction milestones as verified by the bank's technical team.

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Fast Processing for Existing Members

Existing Hindusthan account holders benefit from faster processing at every stage — KYC verification, income assessment, and legal documentation review.

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Property Mortgage as Security

The property serves as collateral via registered mortgage — released with an NOC upon full repayment.

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Attractive Interest Rates

Affordable financing for your dream home–Starting at just 8.99% per annum* for loans up to ₹35 lakh.Competitive & Transparent: Clear terms with no hidden charges.

👨‍👩‍👧

Joint Loan Facility

Enhance eligibility and maximize loan amount – Apply Together with Spouse or immediate family members can join as co‑applicants. Combined income increases the sanctioned loan amount.

📑

Balance Transfer Option (Take Over)

Switch to Hindusthan for better value–Lower Interest Rates: Transfer your existing housing loan and enjoy competitive rates. Reduced EMI Burden: Save more with affordable monthly repayments.

💵

High Loan‑to‑Value Financing

Maximize your home purchase power–Hindusthan Bank finances up to 85% of the market value or agreement value of the property — whichever is lower.

📅

Tenure Up to 20 Years

Longer Tenure: Reduce your monthly EMI — making homeownership accessible even on a moderate income. Shorter Tenure: Pay off faster and lower your total interest outgo over the life of the loan.

🏗️

Stage Disbursement for Construction Loans

For home construction and plot + construction loans, the loan amount is disbursed in stages — aligned with construction milestones as verified by the bank's technical team.

⚡

Fast Processing for Existing Members

Existing Hindusthan account holders benefit from faster processing at every stage — KYC verification, income assessment, and legal documentation review.

🏠

Property Mortgage as Security

The property serves as collateral via registered mortgage — released with an NOC upon full repayment.

🌟

Attractive Interest Rates

Affordable financing for your dream home–Starting at just 8.99% per annum* for loans up to ₹35 lakh.Competitive & Transparent: Clear terms with no hidden charges.

👨‍👩‍👧

Joint Loan Facility

Enhance eligibility and maximize loan amount – Apply Together with Spouse or immediate family members can join as co‑applicants. Combined income increases the sanctioned loan amount.

📑

Balance Transfer Option (Take Over)

Switch to Hindusthan for better value–Lower Interest Rates: Transfer your existing housing loan and enjoy competitive rates. Reduced EMI Burden: Save more with affordable monthly repayments.

Who are Eligible

Salaried Employees – working in private/public sector companies
Self‑Employed Individuals– Proprietors/ shop owners and entrepreneurs
Self‑Employed Professionals – doctors, lawyers, chartered accountants, consultants
Business Owners – with stable income records

Required Documents

Aadhaar Card
Valid Aadhaar card for identity and address verification
PAN Card
Mandatory for all personal loan applicants
Address Proof
Utility bill, passport, driving licence, or bank statement — not older than 3 months
Photograph
2 recent passport-size photographs
Income Proof
Salary slips, ITR filings, pension certificate, or business financials — based on your applicant type
Bank Statements
Last 6 to 12 months' statements — salaried, self-employed, or current account as applicable
Employment or Business Proof
Appointment letter, employer ID, GST registration, or business certificate — as applicable
Loan Application Form
Completed and signed — available at your nearest branch

How To Register

1
Before applying, confirm the property you intend to purchase, construct, or renovate — and identify the correct loan type from Section 2 above. Your loan amount, documentation, and disbursement process depend on the loan type.
2
Review the eligibility criteria above and use the EMI Calculator to assess the loan amount and tenure that fits your income and repayment capacity. The 40–50% EMI-to-income benchmark in the calculator section is a useful planning guide.
3
Gather all documents from the checklist relevant to your applicant category and property type. Download and complete the Housing Loan Application Form before your branch visit.
4
Submit your completed application and all supporting documents at your home branch. Your loan officer will review your application, conduct an initial eligibility assessment, and coordinate the following: Income verification and credit assessment, Property legal verification (by bank's empanelled lawyer), Technical valuation of property (by bank's approved valuer) and Internal credit committee review
5
Once all verifications are complete and the credit committee approves your application, you will receive a Housing Loan Sanction Letter confirming: Sanctioned loan amount, Applicable interest rate (fixed or floating), Repayment tenure, Monthly EMI amount, Processing fee and other applicable charges and Any conditions attached to the sanction
6
Once the loan is sanctioned and all conditions are met, the amount is disbursed based on the purpose of your loan.

Housing Loan Calculator

Loan Amount

₹

Min ₹1,000Max ₹1,00,00,00,000

Interest Rate (% per annum)

Min 7%Max 30%

Tenure

Months

Min 12 monthsMax 480 months

Monthly EMI

₹86.53

for 12 months

Total Interest

₹38.32

Total Repayment

₹1,038.32

Disclaimer: The calculator provides estimated EMI; actual figures will be as per RBI guideline. Final calculations will be available at the branch. Floating / Fixed ROI will be available based on customers requirement

Frequently Asked Questions

The maximum loan amount for a home purchase is ₹[X] crore — subject to your income, repayment capacity, and the property's market value. The bank finances up to [X]% of the lower of the market value or agreement value of the property. The remaining amount must be arranged by you as a down payment.

A fixed interest rate remains unchanged for the entire tenure or a specified initial period — giving you payment certainty regardless of market rate movements. A floating interest rate is linked to the bank's Base Rate and may increase or decrease during the tenure as rates change. Fixed rates are generally higher than floating rates at the time of sanction. As per RBI guidelines, prepayment of floating rate home loans by individual borrowers attracts no penalty. Your loan officer will explain both options in detail at the time of application.

Yes. Joint applications are permitted with your spouse, parent, sibling, or child. A joint application combines both applicants' incomes — potentially improving your eligible loan amount and rate. All joint applicants must provide individual KYC and income documents and sign the application and loan agreement. Both applicants are jointly and severally liable for repayment.

A Top-Up Loan is an additional loan facility available to existing Hindusthan home loan borrowers who have maintained a satisfactory repayment record for a minimum of [X] months. The top-up amount can be used for any personal or renovation purpose. Eligibility is assessed on the basis of outstanding loan balance, current income, and repayment history. Contact your branch to check your top-up eligibility.

During the construction period — before the loan is fully disbursed — you pay interest only on the amount disbursed at each stage. Full EMI repayment (principal + interest) begins after the final disbursement or at the end of the agreed moratorium period — whichever comes first. Your loan officer will explain the exact moratorium structure for your loan at the time of sanction.

The bank conducts two independent property verifications. A legal verification — conducted by the bank's empanelled lawyer — examines the property's title documents, ownership chain, encumbrances, and legal compliance. A technical valuation — conducted by the bank's approved valuer — assesses the property's current market value and construction quality. Both are coordinated by your branch loan officer after application submission.

Yes. As per RBI guidelines, individual borrowers can prepay floating rate home loans without any prepayment penalty at any time. For fixed rate loans, prepayment charges apply as per the loan agreement terms communicated at sanction. Prepayment reduces either your EMI or remaining tenure — confirm your preference with your branch at the time of prepayment.

To transfer your existing home loan to Hindusthan, you will need your current lender's outstanding loan statement, a foreclosure letter, and all original property documents. Our loan officer will assess your eligibility based on current income, outstanding principal, and property value. Upon approval and disbursement, the outstanding amount is paid directly to your existing lender — who then releases the original property documents and issues a NOC.