Home Loan | Credorra
Home Loan

Your Own Home.
Starts Here.

Home loans up to ₹15 Crores with lowest interest rates. Buy, build, renovate, or transfer — we find the best deal from 25+ banks so you don't have to.

Why Choose Us

A Loan That Feels Like Home

Lowest Interest Rates

We compare across 25+ banks and get you the lowest rate possible — starting from 8.35% p.a.

Up to ₹15 Crores

From a small flat to a dream villa — loan amounts that cover every type of property purchase.

Up to 30 Years Tenure

Longest repayment period keeps your EMI low and affordable. Choose what fits your budget.

80-90% Funding

Banks finance up to 90% of property value for salaried and up to 80% for self-employed.

Free Service

We charge nothing from you. Our fee is paid by the bank — zero hidden costs, zero surprises.

Dedicated Support

One person handles your case from application to key handover. Available on call and WhatsApp.

Loan Types

Every Home Need, Covered

Buy New Home

Ready to move, under construction

Construct House

Build on your own plot

Renovate

Repair, extend, remodel

Balance Transfer

Switch to lower rate

Buy Plot

Residential plot purchase

Buy Commercial

Shop, office, godown

Top-Up Loan

Extra funds on existing loan

Overdraft

Flexible withdrawal facility

Eligibility

Am I Eligible?

If these basics match, your home loan is almost certain. We'll confirm your exact eligibility in minutes.

Indian citizen or NRI, aged 23 to 65 years
Salaried: ₹25,000+ monthly income
Self-employed: ₹3,00,000+ yearly income
Work experience of at least 2 years
CIBIL score of 700 or above
Property identified (for final disbursal)
Check Now — It's Free
Don't Have a Property Yet?

No problem. You can apply and get pre-approved first — this gives you a clear budget before you start house hunting. Sellers and builders take you more seriously when you're pre-approved. It's like shopping with cash.

Who Can Apply?
Salaried Self-Employed NRI Doctors CAs Govt Employees Pvt Ltd Directors Freelancers
Process

How It Works

1
Apply Online

Fill a short form — income, employment, property type. Takes 3 minutes.

2
We Find Best Rate

We compare 25+ banks — HDFC, SBI, ICICI, Axis, LIC, and more. Show you the lowest.

3
Bank Verifies

Bank verifies documents and property. We coordinate everything — you don't visit the bank.

4
Loan Sanctioned

Approval letter in hand. Disbursal as per construction stage or purchase timeline.

Why Us

Why Get Your Home Loan Through Us?

Home loan is a 20-30 year commitment. Even a 0.25% rate difference can save you lakhs. We make sure you get the absolute best deal.

25+ Banks, One Application

HDFC, SBI, ICICI, Axis, LIC Housing, PNB Housing, Bank of Baroda, Kotak and 18+ more — all from one form.

Save Lakhs on Interest

On a ₹50 Lakh loan for 25 years, even 0.25% less rate saves you ₹2-3 Lakhs in total interest. We find that difference.

Negotiate Processing Fee

Banks charge 0.5-1% processing fee. We negotiate to get it reduced or waived — saving you ₹15,000-₹50,000 upfront.

Zero Charges From Us

Our service is completely free — for life. No fee at application, no fee at disbursal, no fee ever. We earn from the bank.

Your Home Loan Is Not Just a Loan

It's a 20-30 year financial commitment. The wrong rate, wrong tenure, or wrong bank can cost you ₹5-10 Lakhs more over the life of the loan. Most people spend weeks comparing phones but take the first home loan offer they get. Don't be that person — let us compare for you.

Balance Transfer Tip: Already have a home loan? You might be paying 1-2% more than current rates. We can transfer your loan to a lower-rate bank — saving you thousands per month. Check in 5 minutes if it's worth switching.
FAQ

Quick Questions

How much home loan can I get?

Banks typically give 60-90% of property value. The exact amount depends on your income, existing EMIs, and property type. Salaried people usually get higher multiples than self-employed.

What's the interest rate?

Starting from 8.35% p.a. Fixed or floating — we show you both options. Floating rates are usually lower but can change. Fixed rates give certainty but start slightly higher.

Can I get a home loan without selecting a property?

Yes. You can get pre-approved based on your income. This gives you a clear budget before house hunting. Final disbursal happens after property is identified and verified.

How long does the process take?

Pre-approval: 24-48 hours. Full sanction with property: 5-10 working days. Disbursal: within 7 days of sanction. Total: roughly 2-3 weeks from application to first disbursal.

Can I apply jointly with my spouse?

Yes — and it helps. Joint application increases eligible amount because both incomes are considered. Also, both get tax benefit under Section 80C and Section 24(b).

What documents do I need?

Identity: PAN, Aadhaar. Income: 3 months salary slips, 2 years ITR/form 16, 6 months bank statement. Property: agreement to sell, property tax receipt, approved plan. We'll give you an exact list based on your profile.

Can I prepay my home loan?

Yes, any time. No prepayment penalty on floating rate loans (RBI rule). Fixed rate loans may have a small charge. Partial or full prepayment — both reduce your interest burden significantly.

What tax benefits do I get?

Two benefits: Section 80C — deduct up to ₹1.5 Lakh on principal repaid. Section 24(b) — deduct up to ₹2 Lakh on interest paid. Total: up to ₹3.5 Lakh per year in tax savings.

Your Dream Home Is
One Step Away.

Lowest rate. Highest amount. Zero charges from our side. One application, 25+ banks compete for you.

Apply Free
Disclaimer & T&C: Every price, interest rate, projected return, fee or charge shown on this website is only illustrative. All figures may be revised, withdrawn or replaced at any time without prior notice and do not constitute a binding offer. The only terms that will apply are those expressly set out in the final, duly executed agreement. Disclaimer & T&C: Every price, interest rate, projected return, fee or charge shown on this website is only illustrative. All figures may be revised, withdrawn or replaced at any time without prior notice and do not constitute a binding offer. The only terms that will apply are those expressly set out in the final, duly executed agreement.