Owning a home in Delhi is a proud achievement and a major life milestone. From the historic lanes of South Delhi to the rapidly developing NCR corridors of Rohini and Dwarka, the real estate landscape offers diverse living options. Navigating home loan choices is crucial to securing your place in the capital's competitive market. Our guide provides detailed insights into Delhi's mortgage landscape, featuring current interest rates and localized eligibility norms from major financial institutions.
At Myloan, we bridge the gap between you and your dream home with a seamless, digitally-driven loan process tailored for Delhi's residents and professionals.
| Partner Bank | Up to ₹30 Lakh | ₹30L – ₹75 Lakh | Above ₹75 Lakh |
|---|---|---|---|
| Bank of India | 7.35% onwards | 7.35% onwards | 7.35% onwards |
| Bank of Baroda | 7.45% onwards | 7.45% onwards | 7.45% onwards |
| Bajaj Housing Finance | 7.49% onwards | 7.49% onwards | 7.49% onwards |
| SBI Bank | 7.50% onwards | 7.50% onwards | 7.50% onwards |
| HDFC Bank | 7.50% onwards | 7.50% onwards | 7.50% onwards |
| LIC Housing Finance | 7.50% onwards | 7.50% onwards | 7.50% onwards |
| PNB | 7.50% – 11.05% | 7.50% – 11.05% | 7.50% – 11.05% |
| Axis Bank | 7.60% – 10.30% | 7.60% – 10.30% | 7.60% – 10.30% |
| TATA Capital | 7.70% onwards | 7.70% onwards | 7.70% onwards |
| Kotak Mahindra Bank | 7.99% onwards | 7.99% onwards | 7.99% onwards |
| ICICI Bank | 8.55% onwards | 8.55% onwards | 8.55% onwards |
Maintaining a clean repayment history and showing a stable career path for at least 2 years can help you negotiate lower interest rates with Delhi banks.
Used to purchase a newly constructed or resale residential property across Delhi and NCR.
Offered for constructing a house on a plot you own in DDA layouts or approved residential areas.
Designed for purchasing a residential plot specifically meant for house construction.
Finances interior design, repairs, or additions to your existing residential space.
Switch your existing mortgage to a new bank for much better interest rates and terms.
Bespoke loan options for Non-Resident Indians seeking to invest in Delhi property.
| Lender | Processing Fees |
|---|---|
| HDFC Bank | 0.50% (Min ₹3,300) |
| SBI | 0.35% of total loan |
| Axis Bank | 1.00% of total loan |
| ICICI Bank | 0.50% of total loan |
| Canara Bank | 0.50% of total loan |
| LIC HFL | 0.25% or fixed slab |
| Bajaj HFL | Up to 4.00% |
Use Myloan's eligibility calculator to know your limit.
Find the best rates among 20+ top banking partners.
Collect ID, Income, and Property related documents.
Apply via Myloan's expert portal for faster turnaround.
Lenders verify your profile and assess your credit standing.
After approval, funds are disbursed to finalize your home buy.
Always pay bills on time and maintain a low credit utilization ratio.
Clearing small loans before applying improves your borrowing capacity.
Paying more upfront reduces lender risk and lowers your monthly EMI.
Lenders prefer applicants with 2+ years of steady employment history.
Combining household incomes increases your overall eligibility and loan amount.
Partner with Myloan for specialized end-to-end mortgage support.
We are a trusted financial partner with ₹500 Cr+ in loan transactions. Our deep ties with 20+ major lenders offer you the lowest market rates and a high-speed, 100% digital process with approvals in just 1-2 weeks.