Home Loan
What is a Home Loan?
A home loan is a secured financial product that helps individuals buy, construct, renovate, or expand their residential property. In return, the property itself acts as collateral. With the real estate sector booming, home loans in India have become more accessible, flexible, and affordable, making it easier for people to achieve their dream of owning a home.
Why Choose DigitalLoanDost for Your Home Loan?
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Low Interest Rates starting at just 8.35% p.a.
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Quick digital approvals and 100% online process
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No hidden charges, 100% transparent
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Expert support and personalized loan solutions
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Partnership with top banks and NBFCs across India
Types of Home Loans DigitalLoanDost Offering
Home Purchase Loan
For buying a new or resale property, this is the most common type.
Home Construction Loan
Ideal if you already own land and wish to construct your home on it.
Home Improvement Loan
Covers renovations, upgrades, and remodeling of existing property.
Home Extension Loan
Helps in expanding your home—adding new rooms or floors.
Land Purchase Loan
For buying a plot for residential construction purposes.
Balance Transfer Home Loan
Switch your existing loan to another lender at a lower interest rate.
Land Purchase Loan
For buying a plot for residential construction purposes.
Documents Required
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PAN Card, Aadhaar Card
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Income Proof (Salary Slips or ITR)
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Address Proof
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Property Documents
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Bank Statements (Last 6 Months)
How to Apply for a Home Loan
Prepare the following documents for a hassle-free application:
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Visit the our Home Loan page and click apply
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Fill Out the Application Form
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Get Instant Eligibility Check
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Upload Required Documents
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Compare & Choose Offers
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Get Loan Sanctioned
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Disbursement
Frequently Asked Questions
Which bank offers the lowest home loan interest rate?
As of April 2025, DigitalLoanDost bank is offering competitive rates starting from 8.35% p.a., depending on credit score and income.
Can I apply for a home loan online in India?
Yes, most lenders including DigitalLoanDost offer a 100% digital application process with instant eligibility check and soft credit pull.
How to calculate my EMI for a home loan?
Use our free EMI Calculator to know your monthly outflow instantly based on your loan amount, interest rate, and tenure.
Is it possible to get a home loan without a salary slip?
Yes, alternative documents like ITRs, bank statements, or Form 16 can be submitted for eligibility.
How much home loan can I get on ₹40,000 salary?
Depending on other obligations and credit score, you may be eligible for up to ₹20–25 lakhs.
Can I take a joint home loan?
Absolutely! Joint loans are preferred for better eligibility and to enjoy tax benefits under both Section 24(b) and 80C.