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Your Dream Home

Home Loans at 7.3% p.a.

Up to ₹20 Crore. Zero processing fee. 30-year tenure. Balance transfer available. Get your dream home today.

₹20 Crore
Max Amount
7.3% p.a.
Interest Rate
30 Years
Max Tenure
0%
Processing Fee
Apply Now
KEY BENEFITS

Why Choose Our Home Loans

🏠

Up to ₹20 Crore

Finance luxury residences, premium apartments, and high-value plots across India.

💸

0% Processing Fee

Zero processing fee for qualified professionals. Save ₹10,000–₹2L upfront.

📆

Up to 30-Year Tenure

Spread repayment over 30 years for maximum affordability and low monthly EMIs.

🔄

Balance Transfer

Transfer your existing high-rate home loan and save lakhs on total interest.

🧾

Tax Benefits

Claim up to ₹3.5L under Section 80C & 24(b). Our advisors help you maximize savings.

⚡

72-Hour Approval

Priority processing with dedicated RM. Approval in as little as 72 hours.

EMI CALCULATOR

Plan Your Home Loan

₹50.0L
₹1L₹20Cr
15 Years
1 Yr30 Yrs
Monthly EMI
₹45,784
Interest
₹32,41,153
Total
₹82,41,153
Interest Rate7.3% p.a.
5%20%

* Interest rate depend upon on your profile

Apply for This Loan
ELIGIBILITY

Who Can Apply?

Employment
Salaried (2+ years) or Self-Employed (3+ years ITR)
Age
21 to 65 years at loan maturity
CIBIL Score
700+ for best rates; 650+ considered
Income
Min ₹25,000/month (salaried) or ₹3L p.a. (self-employed)
Property
Approved residential plot, apartment or house
LTV Ratio
Up to 90% of property value financed
DOCUMENTS

What You'll Need

🪪Aadhaar & PAN Card
💼Last 3 months salary slips / ITR
🏦Last 6 months bank statements
📄Property sale deed / agreement
✅Property approved plan & NOC
📸Passport-size photographs
HOW IT WORKS

5-Step Loan Journey

01
Apply Online
Submit basic details and property info in 3 minutes.
02
Document Submission
Upload income proof, bank statements and property papers.
03
Legal & Technical
Bank does legal and technical valuation of the property.
04
Sanction Letter
Loan sanction letter issued within 72 hours of approval.
05
Disbursal
Funds disbursed directly to builder or seller account.
FAQ

Home Loan FAQs

You need to contribute a minimum of 10% of the property value as your own contribution (down payment). CapitalFlax finances up to 90% LTV for eligible profiles.

Yes. We fund under-construction and ready-to-move properties. For under-construction, disbursals happen in tranches aligned with builder construction stages.

Yes. Home loans on floating interest rates have no prepayment penalty as per RBI regulations. You can part-prepay or foreclose anytime without any charges.

You transfer your outstanding loan from a high-rate bank to a lower-rate lender via CapitalFlax. We handle all paperwork, NOC collection, and disbursals — you just save on EMI.

You can claim: (1) Section 80C — up to ₹1.5L on principal repayment, (2) Section 24(b) — up to ₹2L on interest paid per year. Total benefit: up to ₹3.5L annually.

Your Dream Home Awaits

7.3% p.a. | 0% Processing Fee | ₹20 Crore | 72-hr Approval

Apply Now