Apply for Home Loans

  • AXIS Bank
  • Bajaj Finance
  • Cholamandalam
  • ICICI Bank
  • Sundaram BNP Paribas
  • TATA Capital
  • DHFL
  • SHUBHAM
  • Magma Fincorp
  • Edelweiss
  • L&T Finance
  • India Bulls
  • Home First Finance Company
  • PNB
  • IDFC
  • LIC
5.0 / 5 (9 Reviews)

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Why apply through CreditMantri

CreditMantri matches your credit and demographic profile to lender's Home Loan lending criteria - others just match your demographic criteria. We shortlist lenders willing to lend to you based on our proprietary matching algorithm.

In effect, we pre-screen your application to make sure you are likely to qualify as per the lender’s credit criteria. We upfront check whether you qualify for Home Loan. Hence the chances of your Home Loan application getting approved is higher.

max tenure

30 yrs

processing fee

Rs. 10,000/-*

best rate

8.65%

  • Catering to all customer segments i.e. From HIG to LIG, Salaried to Self-Employed, NRIs
  • Home Loans up to Rs.5 crores and an online loan approval in 5 minutes
  • Tailor made products for different customer segments
  • Attractive Rate of Interest & transparency in fee & charges
  • Door Step Service
  • Interest rate – 8.65%
  • Processing Fees – 0.5% of loan amount or Rs. 10,000/- (self-employed), starting from Rs. 10,000/- for salaried
  • Application form with photograph
  • ID proof (any one) - PAN,Passport,Driver's license, Voter ID
  • Address proof (any one) - Utility bill, Ration card, Employers letter, Bank statement , office address proof (self employed)
  • Salaried - Salary slip and bank statement for 3 months, Self employed - Office address proof, Last 2 years IT return attested by CA, bank statement for 6 months
  • Property related documents, Processing fee cheque

max tenure

25 yrs

processing fee

0.8%*

best rate

9.85%

  • India’s first 100% online Home Loan approval for Salaried individuals
  • Home Loans up to Rs.5 crores and an online loan approval in 5 minutes
  • Part prepayment facility available and nil foreclosure charges
  • Online account access
  • Prompt repayment benefit and 3 EMI Free months
  • Interest rate - 9.85%
  • Processing Fees - 0.8% of loan amount plus Rs.1999/-
  • Per bounced cheque – Rs.1000/- and 2% penal interest per month
  • Secure fee – Rs.1999/- for instant approval online
  • Application form, Employee ID card
  • ID proof (any one) - PAN,Passport,Driver's license, Voter ID
  • Address proof (any one) - Passport, Driver's license, Ration card, Mobile bill, Letter from employer
  • Signature proof (any one) - Passport, PAN, Driver's license, Photo credit card, Letter from bank verifying signature
  • Work experience documents - Appointment letter, Form 16, 1 yr old salary slip, same for previous employment

max tenure

15 yrs

processing fee

2%

best rate

15%

  • Offers home loans to suit all budgets
  • Exclusive products for self-employed
  • Convenient repayment options
  • Fast track approval process
  • Over 577 branches across India
  • Interest rate - 15%
  • Processing Fees - 2% of loan amount
  • Application form with photograph
  • ID proof (any one) - PAN,Passport,Driver's license, Voter ID
  • Address proof (any one) - Passport,Driver's License, Voter ID, Utility bill, Ration card, Bank statement
  • Last 2 years IT return attested by CA – Form 16, 12 months bank statement. Salaried - Salary slip for 3 months, Self employed - Office address proof.
  • Property related documents – original title deed, parent document and EC going back 30 years, EC, patta, approved plan, property tax receipts

max tenure

30 yrs

processing fee

NIL

best rate

9.65%

  • Offer higher eligibility and lower EMIs at attractive interest rates
  • Application processing through tablet and smart phone app ensures faster approval
  • Lower EMI and save money by transferring your existing home loan
  • Unlock the value of your property to avail funds for personal and business requirements
  • Interest rate - 9.65%
  • Processing Fees - NIL
  • Application form with 2 photographs , Processing fee cheque
  • ID proof (any one) - PAN,Passport,Driver's license, Voter ID
  • Address proof (any one) - Passport,Utility bill, Lease agreement
  • Salaried - Salary slip for 3 months, bank statement with salary credit
  • Self employed - Office address proof, audited financials for last 2 yrs and latest 6 months balance sheet

max tenure

20 yrs

processing fee

Rs.5000/-*

best rate

8.35%

  • Speedy sanctions
  • Transparent process
  • Personalised services
  • Flexible approach
  • Interest rate – 8.35%
  • Processing Fees - Rs.5000/- for salaried, Rs. 20,000/- for self-employed
  • Application form with photograph
  • ID proof (any one) - PAN,Passport,Driver's license, Voter ID
  • Address proof (any one) - Utility bill, Ration card, Employers letter, Bank statement , office address proof (self employed)
  • Salaried - Salary slip and bank statement for 3 months, Self employed - Office address proof, Last 2 years IT return attested by CA, bank statement for 6 months
  • Property related documents, Processing fee cheque

max tenure

25 yrs

processing fee

0.25%*

best rate

8.70%*

  • Flexi EMIs with Higher Loan Eligibility
  • Minimum Documentation and Verification
  • Quick processing and Attractive Rates
  • Approved Projects
  • Interest Rate - 8.70% p.a. Salaried Only
  • Self-employed – 8.90% p.a Onwards
  • Loan Against Property – 12.5% Onwards
  • Processing Fees – Rs.5000/- for salaried, 0.25% for self-employed
  • Application form with photograph
  • ID proof (any one) - PAN,Passport,Driver's license, Voter ID
  • Address proof (any one) - Utility bill, Ration card, Employers letter, Bank statement , office address proof (self employed)
  • Salaried - Salary slip and bank statement for 3 months, Self employed - Office address proof, Last 2 years IT return attested by CA, bank statement for 6 months
  • Property related documents, Processing fee cheque

max tenure

30 yrs

processing fee

Rs.5000/-*

best rate

8.70%

  • Offers easy repayment options
  • Simple documentation process
  • Long tenures of up to 30 years
  • Offers fluctuating interest rates
  • Tax benefits available on home loans
  • Interest rate – 8.70%
  • Processing Fees - Rs.5000/- for salaried, 1.50% for self-employed
  • Application form with photograph
  • ID proof (any one) - PAN,Passport,Driver's license, Voter ID
  • Address proof (any one) - Utility bill, Ration card, Employers letter, Bank statement , office address proof (self employed)
  • Salaried - Salary slip and bank statement for 3 months, Self employed - Office address proof, Last 2 years IT return attested by CA, bank statement for 6 months
  • Property related documents, Processing fee cheque

max tenure

15 yrs

processing fee

Rs.9500/-*

best rate

12%

  • No Income Proof/ITR required
  • No guarantor required
  • Loan on Household Income
  • EMI as per your repayment capability
  • Based on eligibility you can get CLSS subsidy up to 2.18 lakhs
  • Interest Rate - 12%
  • Application Fee – Rs.2600/- at the time of filling the application form
  • Processing Fees – Rs.9500/-*
  • Application form with photograph, PAN mandatory
  • ID proof (any one) - Aadhar, Passport, Driver license, Voter ID, Notarized affidavit
  • Address proof (any one) - Passport, Driver license, Ration card, Mobile bill, Letter from employer
  • Salaried - Salary slip and bank statement for 3 months, Self-employed - Office address proof, Last 2 years IT return attested by CA, bank statement for 6 months
  • Property related documents, Processing fee cheque

max tenure

20 yrs

processing fee

1%*

best rate

12%

  • Flexible documentation
  • Quick processing.
  • End-to-end doorstep service through the nearest Magma office.
  • Competitive home loan interest rate, terms & conditions.
  • Well-trained and knowledgeable team.
  • Interest Rate - 12%
  • Processing Fees - 1% for salaried, 1.5% for self-employed
  • ID Proof - Passport Copy/ Voter ID card/ Driving License/ PAN Card
  • Address Proof - Ration card/ Telephone Bill/ Electricity Bill/ Rental agreement / Passport copy/ Bank Passbook or Statement/Driving License
  • Bank Statements for the last 6 months
  • Income proof – Pay slip
  • Documents related to Property title & Valuation

max tenure

60 months

processing fee

1.50%

best rate

10.75%

  • Flexible documentation
  • Tailored products - for customers with or without formal income proof.
  • Quick processing.
  • End-to-end doorstep service through the nearest Edelweiss office.
  • Competitive home loan interest rate, terms & conditions.
  • Interest Rate - 10.75%
  • Processing Fees - 1.50%
  • Application form with photograph
  • ID proof & Age Proof (any one) - PAN,Passport,Driver's license, Voter ID, UID
  • Address proof (any one) - Passport,Driver's License, Voter ID, Utility bill, Ration card, Bank statement
  • Salaried Professional - (Any one) - Form No.16, PF statement, appointment letter in case of Cash Salary, Latest Salary slip, Bank Statement last 6 months
  • Self Employed Professionals - Last 2 years Balance Sheet and Profit and Loss A/c with Annexures and Schedules, Last 2 years Income Tax returns duly certified by CA, Bank Statement last 6 months

max tenure

20 yrs

processing fee

0.25%*

best rate

9.75%

  • Higher amount eligibility
  • Instant online approval
  • Loan ranging from 5 Lakhs to 20 Crores
  • Balance Transfer and Top Up facility
  • Flexible documentation, Quick processing
  • Interest Rate – starting from 9.75%
  • Processing Fees – 0.25% Salaried, 0.50% for Self Employed & Self-Employed Non-Professional
  • Application form with photograph.
  • ID Proof - Passport Copy/ Voter ID card/ Driving License/ PAN Card
  • Address Proof - Ration card/ Telephone Bill/ Electricity Bill/ Rental agreement / Passport copy/ Bank Passbook or Statement/Driving License
  • Business Proof
  • Bank Statements for the last 6 months for Salaried, 12 months for Self Employed
  • Income proof
  • Salaried: Recent 3 months Pay slip, Form 16, Company offer letter, Previous employment proof
  • Self- Employed: Last 2 years ITR of the company and Individual with computation of Income, P & L a/c, B/s along with schedules, Form 3CD and 3CB if applicable, Form 26AS
  • Property documents

max tenure

30 yrs

processing fee

Rs. 10,000/-*

best rate

8.55%

  • Flexible documentation
  • Quick processing.
  • End-to-end doorstep service through the nearest office.
  • Competitive home loan interest rate, terms & conditions.
  • Well-trained and knowledgeable team.
  • Interest Rate – 8.55%
  • Processing Fees – Rs. 10,000/- onwards for salaried, Rs. 12,500/- for self-employed
  • ID Proof - Passport Copy/ Voter ID card/ Driving License/ PAN Card
  • Address Proof - Ration card/ Telephone Bill/ Electricity Bill/ Rental agreement / Passport copy/ Bank Passbook or Statement/Driving License
  • Bank Statements for the last 6 months
  • Income proof – Pay slip
  • Documents related to Property title & Valuation

max tenure

25 yrs

processing fee

Rs. 13,685/-*

best rate

12.50%

  • Flexible documentation
  • Quick processing.
  • End-to-end doorstep service through the nearest office.
  • Flexible pre-payment and part payment facility (Ask us about Auto-PrePay.)
  • Well-trained and knowledgeable team.
  • Interest rate – 12.50%
  • Processing Fees – Rs. 15,985/- for Salaried, Rs. 13,685 for Self-employed
  • ID Proof - Passport Copy/ Voter ID card/ Driving License/ PAN Card
  • Address Proof - Ration card/ Telephone Bill/ Electricity Bill/ Rental agreement / Passport copy/ Bank Passbook or Statement
  • Bank Statements for the last 6 months
  • Income proof – For Salaried - Pay slip for last 3 months (If available),
  • - For Self Employed – ITR for the past 2 years (If available)
  • Documents related to Property title & Valuation

max tenure

25 yrs

processing fee

Rs.2500/-*

best rate

8.70%

  • Flexible and fast processing.
  • End-to-end service through the dedicated team.
  • Lowest rate in Home Loans.
  • Offer maximum loan eligibility.
  • Well-trained and professional team
  • Interest Rate – 8.70%
  • Zero Processing Fees for Loans up to Rs.50 Lacs. - Affordable Loan Housing.
  • Processing Fees – Rs.2500/- plus taxes up to Rs.1 Cr & Rs.4000/- plus taxes above Rs.1 Cr up to Rs.3 Cr
  • ID Proof - Passport Copy/ Voter ID card/ Driving License/ PAN Card
  • Address Proof - Ration card/ Telephone Bill/ Electricity Bill/ Rental agreement / Passport copy/ Bank Passbook or Statement/Driving License
  • Bank Statements for the last 6 months
  • Income proof – Pay slip
  • Documents related to Property title & Valuation

max tenure

25 yrs

processing fee

NIL

best rate

8.70%

  • Ability to save on interest
  • Quick and transparent processing
  • Customized loan as per your requirement
  • Simpler documentation
  • Interest Rate – Simple Home Loan @ 8.70%, Short & Sweet @ 8.80%
  • Processing Fees - NIL
  • ID Proof - Passport Copy/ Voter ID card/ Driving License/ PAN Card
  • Address Proof - Ration card/ Telephone Bill/ Electricity Bill/ Rental agreement / Passport copy/ Bank Passbook or Statement/Driving License
  • Bank Statements for the last 6 months
  • Income proof – Pay slip for last 3 months & Form 16
  • Documents related to Property title & Valuation

max tenure

30 yrs

processing fee

0.25%*

best rate

8.50%

  • No pre-closure and part payment fee
  • Flexible documentation & Quick processing.
  • Fixed Rate of Interest Schemes with Competitive home loan interest rate, terms & conditions.
  • End-to-end doorstep service through the nearest office.
  • No guarantor required
  • Interest Rate – 8.50%
  • Processing Fees – 0.25% or Rs. 10,000/-
  • ID Proof - Passport Copy/ Voter ID card/ Driving License/ PAN Card
  • Address Proof - Ration card/ Telephone Bill/ Electricity Bill/ Rental agreement / Passport copy/ Bank Passbook or Statement/Driving License
  • Bank Statements for the last 6 months
  • Income proof – Pay slip
  • Documents related to Property title & Valuation

What is a home loan?

Everyone dreams of having their own place in the world, a home they can come back to from work, a home in which they can start their own family, but for many ‘a home’ remains a dream because of a lack of capital. Here is where banks and other financial institutions come to the rescue with home loans, which would help realize your dreams.

Your housing needs are not the same as the person next to you, the home loan could be for a brand-new apartment, or to renovate your ancestral property or even build that extra room that you have been wanting for long. Read on to know more about the different loans that would meet your requirement.

What are the various kinds of home loans?

There are various kinds of home loans available depending on your specific housing need:

  • The most common is the regular home loan to buy a new house or apartment or to construct a home
  • A Home Improvement Loan to carry out renovations to your existing home
  • Another kind of home loan is a Home Extension Loan. This is used to finance new construction to your home like adding a new wing or another level to your home
  • A Land Purchase Loan is taken out to fund the purchase of land, either as an investment or to construct a house on it in the future
  • You can also avail of a Bridge Loan to finance the purchase of a new home until your old home is sold

Home loan eligibility

In order to be eligible for a home loan, you need to be

  • Salaried individual, or
  • A self-employed individual/ professional.

You must satisfy the age and income requirements and be able to demonstrate a stable income.

If your spouse is salaried, then you can add him/her as a co applicant and this income will be considered while determining your eligibility for the loan.

Will I qualify for a home loan? What do lenders look for?

Lenders look at several factors while determining the state of your housing loan application. They include the following indicators:

Your credit score: Typically, you need a minimum credit score of 750 for lenders to proceed with processing your application. A credit score of 750 or above reassures lenders that you are a responsible borrower and have a good track record of making repayments.

Your credit report: Lenders look closely at the applicant’s credit score and credit history. They check your payment history over the years to see if you have a record of making payments on time and in full over a long period. They also check for any written-off accounts in the past to see if you have defaulted on any prior debt obligations. All these indicators of poor credit behavior are red flags for lenders, even if your current credit score is adequate. They will also look at your existing loan obligations to see if you can take on additional debt payments on your present and predicted future salary.

Employment status and salary: Lenders want to be assured that you will have a steady monthly income to pay off your EMIs over the loan period. The tenure of a home loan can stretch for decades and lenders want to know if you have a high probability of steady employment and income during that period.

Clean title deed and complete documentation of the property: While this requirement is not related to your individual credit situation, banks want to ensure that there would be no issues with the collateral (the home) in the event of a loan default. They will first make sure that all the legal documents relating to the property are in order.

What is the amount and the loan period?

The loan amount can go up to 85% of the value of the property, but this is a variable figure depending on your credit background. How much the bank/financial institution decides to lend you depends on, among other factors, your existing loan obligations and your ability to take on further debt and service it over the long duration of the loan.

Similarly, the loan period depends on how your lender views your present and future ability to fulfill all your debt obligations. They will look at your current loans, your age, salary at the time of taking the loan, and your projected earnings for the tenure of the loan. The tenure for a home loan can range from 5-30 years.

Home loan interest rate

There are two basic types of home loan interest rates and you need to study all the interest rate options carefully before deciding which one to choose:

Fixed rate: An interest rate is fixed for the entire tenure of your loan and you should pay a fixed EMI for the entire duration of the loan.

Floating rate: The interest rate you pay varies during your loan tenure, depending on external market conditions. You would choose this option if you are confident that interest rates will go down during your loan period.

There is also the option of a partially fixed and partially floating rate. You need to learn about all kinds of housing loan interest rate options or consult a professional to see which option suits your needs the best.

In order to land the lowest home loans interest, you need to have an impeccable credit history.

What is EMI?

EMI stands for Equated Monthly Installment. It is the amount you need to pay monthly to repay your entire loan. If your loan period is 20 years, then you will be paying an EMI every month for 20 years.

EMI consists of principal plus interest due, spread over the entire tenure of your loan. If your EMI burden is too high, you can reduce it by lengthening the tenure of the loan. However, if you extend the tenure of your loan, you will be paying out more in interest amount since your repayment obligation is over a longer period.

You can use a home loan EMI calculator to find out how much your monthly outgo will be.

Documents required for housing loans

The documents required for a home loan could include (among others): all the legal documents pertaining to the home that is to be purchased like the title deed, all the necessary legal approvals etc.; identity proof, residence proof, age proof, salary slip of the past few months; past income tax returns; and bank statements. The documents required will vary based on the lender requirements.

What are the other costs incurred in addition to the actual property cost?

Buying a home can create a significant outflow in addition to the actual cost of the property. There are two kinds of expenses associated with a housing loan:

At the time of purchase: You need to keep in mind that you will have to pay registration charges, stamp duty and transfer charges.

At the time of loan disbursal: Banks may charge various fees including processing and application fees. It is useful to remember that some of these bank fees can be negotiated. However, the good news is that there is no longer a pre-payment penalty for paying off your housing loan before the end of your loan period.

Is it possible to get home loans with bad credit?

It is very difficult to get home loans with bad credit. Lenders do not want to risk giving loans to customers who do not have a good credit repayment record. However, each lender has a different set of requirements and criteria for lending. So it is possible that even if multiple lenders reject you, you might have a small chance to qualify with another lender who has different requirements.

Generally, if you have a credit score of less than 750, it is difficult to get approved for a loan. The borrower must consider credit improvement schemes if he/she is having a poor credit score and wishes to go for a home loan soon.

What are the disadvantages of applying for a home loan with bad credit?

If your loan application is rejected by multiple lenders because of your poor credit record, each rejection will incrementally affect your existing poor credit score. Even if your application is approved, despite your poor credit record, you might be given a higher home loan interest rate, shorter repayment period, or a smaller loan amount which might not be enough for the home that you are considering. You need to concentrate on improving your credit score to at least 750 before applying for the home loan that is best for you.

How do I choose the best home loan?

The best home loan is easily the one which suits your budget and doesn’t restrict your cashflow. The best way of choosing a home loan provider is to do research on the various offers available in the market and decide which one is the best home loan in terms of interest rates, fees, and other features and benefits. You can refer to legal or technical experts for advice or counselling on specific areas that you might not understand or might not be familiar with. Above all, do not hurry on a home loan decision since your choice can have consequences stretching to decades.

How to apply for a home loan?

You can check your eligibility and apply for a home loan by signing up with CreditMantri. It is quick, simple and above all, free.

CreditMantri matches your credit and demographic profile to the lender's lending criteria and presents you a shortlist of only those lenders willing to lend to you based on your unique credit profile. In effect, we pre-screen your application to make sure you are likely to qualify as per the lender’s credit criteria. Hence the chances of your loan application getting approved is higher.

Click here to sign up and apply for loans and credit cards, the CreditMantri way!

Customer Reviews

Home Loan
5.0 / 5 (9 Reviews)
  • 5/ 5

"Got Home Loan at low Interest rate I had applied for a home loan through CreditMantri. I would first of all thank CreditMantri for helping me get a home loan with such ease. Everybody knows how difficult and confusing it is to get home loans these days. I did not face an issue during the entire process. Axis Bank executives came to my place and collected all the required document to complete the process. I had some issues with my address proof, but got it resolved through CreditMantri. The whole process was done within two weeks. Kudos to Axis bank for support to their customers, and kudos to CreditMantri for coming up with such an innovation to help customers in need! It’s awesome"

  • 5/ 5

"CreditMantri to the rescue CreditMantri came to my rescue when I was ready to make a huge down payment that I could not really afford and wanted a home loan in order to finance my dreams. It is quite easy to compare loan offers on their website. Coming to the application process, it is very simple with the help of Credit Mantri. Bajaj representatives came to my place to get my documents. After verification, I got my home loan. Although I would not say that disbursal is not very quick, I think this is because it is a large loan, and they needed to be quite sure about everything before approving. Fast forward to today, I am a proud buyer of a home and it was made easy by CreditMantri. "

  • 5/ 5

"Best site to compare loans you are eligible for I applied through CreditMantri for my housing loan. Got my eligibility for home loan quickly after creating my profile. They calculate your eligibility based on the information you give in your profile and provide a list of best and most suitable offers, which I find is really good. After applying for the loan, I got a call from the customer service who noted down my requirements, and they in turn fixed an appointment with Chola. What I like most about CreditMantri is their user-friendly website and I would gladly recommend their service to friends and family."

  • 5/ 5

"Good for comparing different bank home loan offers Everybody knows ICICI, but not everyone knows CreditMantri. Their exceptional service is praiseworthy. It is only because of CreditMantri I got guidance throughout the process of my home loan application. I was eligible for a home loan from ICICI, and after the initial verification, I was approved for a home loan. The website is good for comparing different bank home loan offers and helps in choosing the right option. So far, I have not faced any kind of issues nor any kind of difficulties, whilst navigating the website. Would recommended everyone to go through this website and use their service. Cheers. "

  • 5/ 5

"Simple application process Getting finance to buy your dream home can be a nightmare if you do it with no help. I decided to apply though Creditmantri and I am glad I did. I just needed to sign up with them and create my profile. They gave me a list of offers that I was eligible for. I simply had to choose from that. I compared the interest rates, and chose Sundaram. Now I am waiting for my loan amount to be disbursed. My application has been approved and verification is going on. Fingers crossed that I will get my loan amount soon. I have had a very smooth and pleasant experience, opposite to what I had been dreading before I found CreditMantri. Thanks CreditMantri!"

  • 5/ 5

"Simple, easy-to-fill online form Apply through CreditMantri if you done want any hassles while you are applying for a home loan. Simple, easy-to-fill online form and instant advice on eligibility. This is the most useful feature. I compared different interest rates before choosing Tata capital home loan. They are pretty fast in processing the documents for the customer. The rate and charges applied was also good and it is as per the market standards. Very happy with CreditMantri for guiding me and helping me get the loan. Thank you!"

  • 5/ 5

"Excellent service, and good job handling customers. Creditmantri is a website where you can easily compare loan offers. Customer support is excellent and they resolved all my queries satisfactorily. They are kind of a bridge between the customers and the banks. Once I signed up with my requirements, I received a call from the customer service executive, and they got me connected with DHFL for a home loan. I got good support throughout the process from CreditMantri team. Helping the customer to make their financial decision is really good initiative by CreditMantri and I am sure that it will be useful for the current generation of India.''

  • 5/ 5

"Thanks, CreditMantri! The website is primarily designed to enable customers to compare the home loan interest rates, processing fees. CreditMantri helps people in securing the best loan possible. Their home loan EMI calculator is handy. After registering on the portal, I received a quick response from the CreditMantri team on time. After documentation process, I was offered a low interest rate on my home loan, and I am very much satisfied. Thanks to CreditMantri for making my dream come true."

  • 5/ 5

"Got home loan at low interest rate! Wherever I turned, I couldn’t find any guidance on how to apply for the best home loan offer. Having saved for a down payment, I was on my search for a good housing loan when I stumbled upon CreditMantri. This is simply the best website for loan comparison. I just needed to create my profile (which is automated, free and very easy, by the way), and a list of home loans I was eligible for appeared on the page. I compared all the rates and decided to settle for Magma housing loan. They offered the lowest interest rate, documentation is kept to the minimum, representatives are friendly. What more do I say? Thanks CreditMantri!"