Home Loan at Lowest Interest Rate

Reveal unbeatable affordability with the lowest home loan interest rates above all else. Our extensive network of lenders and diverse loan products empowers us to secure the best possible arrangement for each borrower. Furthermore, Mintra’s experts are on hand to offer comprehensive guidance and unwavering support throughout the entire loan application process – from pre-approval to closing.

This can be especially helpful for first-time homebuyers who may be unfamiliar with the process. Furthermore, As a leading Lending aggregator and National level DSA we can often negotiate on behalf of the you to secure better terms or interest rates. Overall, we assured that our services can save time, money, and stress for those looking to purchase a home.

Best Home Loan Interest Rates Available from India's Top Banks

Home Loan Banks

Interest Rate

Processing Fee

Loan Amount/Tenure

lic housing

8.5% - 9.5%

Up to 0.25%

Up to ₹15 crore 

Tenure( 30 Years )

8.4% - 9.25%

Up to 0.50%

Up to 7 crores

Tenure( 30 Years )

8.85% - 11.5%

Up to 1%

Up to 3 crores

Tenure( 25 Years )

9.5% - 13%

Up to 2%

Up to 3 crores

Tenure( 25 Years )

9% - 11%

Up to 1.50%

Up to 5 crores

Tenure( 25 Years )

9.5% - 14%

Up to 3%

Up to 1 crores

Tenure( 20 Years )

8.6% - 9.5%

Up to 0.50%

Up to 5 crores

Tenure( 40 Years )

8.6% - 9.5%

Up to 1%

Up to 3 crores

Tenure( 20 Years )

8.8% - 11.5%

Up to 1%

Up to 3 crores

Tenure( 30 Years )

8.7% - 11%

Up to 1.50%

Up to 5 crores

Tenure( 25 Years )

Feature of Home loan

Achieve all your goals and aspirations; with the right kind of help, exactly when you need it.

Real-time update on WhatsApp

Get real time update from our WhatsApp number which is super helpful in transparency and peace of mind for borrowers. Finally, mintra also offers home loan balance transfer options, allowing borrowers to switch their existing loan to a new lender for better terms and conditions.

Instant eligibility Check

Not sure about how much loan you are eligible for?. Now get instant eligibility checks, to understand their borrowing capacity before you apply. Additionally, Mintra offers personalised support from loan experts who can assist with the application process and answer any questions along the way.

Compare Best offer

Easily compare loan options from multiple lenders, including interest rates, loan amount, and repayment terms.

Overall, the features of Mintra’s home loan products aim to provide convenience, transparency, and flexibility to potential homebuyers.

Frequently Ask Questions

If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.

Your home loan eligibility depends on your Age, Income, Employment (Salaried applicants should have a minimum work experience of at least two years, while self-employed applicants should have a minimum business continuity of three years.), Credit Score of minimum 670, Property-related Factors, Loan-to-Value (LTV) Ratio: Mintra Finserv typically offers a loan amount up to a certain percentage of the property’s value.

Other Factors: Additional factors such as existing financial liabilities, repayment capacity, and the applicant’s overall financial profile may also be considered during the loan assessment process.

Here are some common documents that may be required:

  • PAN Card and Aadhar card copy
  • Address Proof (if address is not as per Aadhar)

Income Proof:

  • Salary slips for the last 3 to 6 months (for salaried individuals)
  • Bank statements for the last 6 to 12 months (for self-employed individuals)
  • Income tax returns (ITR) for the last 2 to 3 years (for self-employed individuals)
  • Form 16 (for salaried individuals)

Employment Proof:

  • Employment offer letter
  • Appointment letter
  • Employee ID card
  • Business continuity proof (for self-employed individuals)
  • Property-related Documents:
  • Sale agreement or purchase agreement
  • Title deed of the property
  • Approved building plan and NOC (if applicable)
  • Property tax receipts
  • Occupancy certificate (if applicable)
  • Share certificate (if applicable)
  • Bank Statements:
  • Bank statements of the last 6 to 12 months showing salary credits and other financial transactions
  • Passport-sized photographs

Please note that this is a general list of documents, and additional documents may be required based on the specific loan requirements and MINTRA’s PARTNER BANK  policies. It’s advisable to directly contact Mintra Finserv or visit their official website to get detailed and up-to-date information regarding document requirements for a home loan application.

  • The maximum loan amount you can get for a home loan in Kotak Mahindra Bank can vary based on multiple factors such as your income, repayment capacity, property value, and the bank’s policies. Generally, Mintra offers home loans with loan amounts starting from a 25 lakhs to 15 crores, depending on factors such as:
  • The bank typically calculates the loan amount based on the loan-to-value (LTV) ratio, which is the percentage of the property’s value that can be financed through the loan. The LTV ratio can vary based on the loan amount, property type, and other factors.
  • To determine the specific maximum loan amount you can get from Mintra, it is recommended to directly contact the us. Mintra will assess your financial profile, including your income, credit history, and property details, to determine your eligibility and the loan amount you can avail. We will also provide you with the most accurate and up-to-date information regarding the maximum loan amount for a home loan.

Home loan rate of interest currently starts from 8.50% and it can goes up to 11% based on various factor. Most important factor being property technical and legal aspect, profile of consumer and CIBIL score

Minimum tenure of 5 years and maximum tenure of 40 years with maximum age of applicant restricted to 65 years

You can get home loan with low rate of interest however, you need to provide justification for any credit card overdue or personal loan EMI bounce. In general, if CIBIL score is less than 650, it is difficult to get loan. At Mintra, our expert can help you improve your CIBIL score and get the desired loan amount.

Fixed-rate home loans have a consistent interest rate throughout the loan tenure, while floating-rate home loans have interest rates that can fluctuate based on market conditions. Floating-rate loans are usually linked to a benchmark rate such as the Marginal Cost of Funds based Lending Rate (MCLR), the Repo Rate, or the External Benchmark Rate (EBR). Most of the banks provide floating rate interest in India. Normally Fixed rate home loan will be having higher rate (2-3%) than floating rate of interest.

As the name suggest, Fixed rate home loan have fixed rate of interest for entire tenure of loan whereas floating rate home loan are linked with the repo rate and RBI do rate review every 3 month

Mintra primary operates through online portal. You can complete the online application form, upload financial document, check eligibility and submit the application to get sanction letter within 48 hours of form submission. Please note, final sanction will be issued by our partner bank once legal and technical of property is cleared.

Yes, it is possible to transfer your existing home loan from one bank to another with a lower interest rate. This process is known as a home loan balance transfer or refinancing. Here’s how it generally works:

  • Research and Comparison: Research and do a comparison of different. Banks and NBFCs on our website that offers lower interest rates and favorables terms for home loans.
  • Assess Savings: Calculate the potential savings by considering the reduced interest rate, tenure, and other factors offered by the new bank. This will help you determine whether it is financially beneficial to transfer your home loan.
  • Application to New Bank: Apply for a home loan with Mintra and provide all the necessary documents and information they require for loan processing. This typically includes income proof, identity proof, property documents, and bank statements.
  • Loan Approval: We will evaluate your application, creditworthiness, and property valuation. If your application is approved and meets the eligibility criteria, Mintra will issue a loan offer from our partner bank
  • Loan Sanction and Documentation: Once you accept the loan offer, We will sanction the loan amount and provide you with the loan agreement and related documentation. Review the terms and conditions carefully before signing the agreement.
  • Loan Transfer: The new bank will coordinate with your existing bank to transfer the outstanding loan amount. The new bank will repay the outstanding balance to the old bank, and your home loan will be transferred to the new bank.
  • Closure of Existing Loan: Ensure that your existing bank provides the necessary documentation to confirm the closure of your old home loan account. This will help you avoid any confusion or double payments.

It’s important to consider the costs associated with a home loan transfer, such as processing fees, legal charges, valuation charges, and any other applicable fees. It’s advisable to calculate these costs and compare them with the potential savings from the reduced interest rate to make an informed decision.

Additionally, it’s recommended to contact expert at Mintra (9346856876) for the most accurate and up-to-date information on the home loan transfer process and any specific requirements.

No Charge for Home loan prepayment or part payment. However, in case of part payment banks will allow only minimum of 6-8 month of EMI or 50% of loan outstanding at a time in most cases.

Hefty charges will be levied if you default on your loan. Pay EMI on time

Get a Quote

Now apply for a Home Loan online, All you need to do is provide your details below application form.

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