Home loan
A few answers set your quote. No documents, no credit check.
Home loan quote
Cash you need, at least
≈₹17.2L
Example on a typical ₹50L loan and the ~₹63L home it fits. Your answers set yours.
The ~₹63L price, and what it costs to register
EMI · 20 years
₹39,820–₹49,920
Rate
7.35–10.5% a year
Buying, building, or paying too much on the loan you have. One advisor, the same lenders.
A flat, a villa or a plot, new from a builder or resale.
Funds released in stages as the house goes up.
To a lender with a lower rate. The new lender pays off the old one.
Extra funds on the loan you have, for renovation or anything else.
It's convenient, and it's the bank that suits the builder. This is what changes when someone compares for you.
public sector banks, private banks and NBFCs, compared for your profile and this property.
At the builder's desk: one or two banks that approved the project.
charge laid out before you sign: processing, legal, valuation and prepayment.
At the builder's desk: the rate up front, the fees on the sanction letter.
person from sanction to registration. Clario follows up on the legal and valuation checks.
At the builder's desk: a different person at every stage.
Self-employed, buying a resale flat, or moving an old loan? That's where comparing matters most. Start a quote
Home loan rates · checked 10 October 2026
a year to start, floating, for a salaried borrower with a credit score of 800 or more.
See your own rate and EMI ↑Floating rates, indicative, not an offer. Women borrowers often get a little off.
Most of the early EMIs go to interest. One extra EMI a year, paid from a bonus, changes the whole loan. Here's ₹60,00,000 over 20 years at 7.35%.
Example. On a floating-rate home loan, lenders can't charge you for paying early. Your advisor checks your lender's terms before you do.
Five documents, usually already on your phone. Your advisor sends the exact list for your lender and collects them for you.
For the home, also
Anything else, ask Clario on WhatsApp.
No. Clario is paid by the lending partner once your loan is disbursed. Any processing fee is charged by the lender, and we show it to you before you choose.
No. The eligibility estimate on this site uses only the numbers you enter. A credit check happens only when you choose a lender and apply.
Up to 90% on homes up to ₹30 lakh, 80% up to ₹75 lakh, and 75% above that. Those are RBI's limits; your income and the property decide the actual figure.
Stamp duty and registration, about 6.6% of the price in Karnataka, paid when the sale deed is registered. Lenders don't fund it, so it comes from your own money.
Usually, if the new rate is at least half a percent lower and you have more than a few years left. Moving costs about 0.5% plus GST and legal charges. Sometimes your own lender will match the rate if asked, which costs less.
Usually, once you've paid EMIs for a year or more and the property's value leaves room. The top-up is priced close to your home-loan rate, far below a personal loan, and can be taken while moving your loan.
Once your documents are in, car loans usually pay out in about 2 working days and personal loans in about 3. Home loans take around 2–3 weeks, because the lender checks the property's legal papers first.
Often, yes. A rejection usually means the wrong lender, not the wrong borrower. We know which lenders take self-employed income, a thin credit history or an earlier rejection, and we present your case to them properly.
Your details are shared only with the lenders you agree to apply with, and never sold. You can ask us to delete your data at any time.
LOAN ADVISORYClario Loans
J. P. Nagar, Bengaluru
Clario has moved home loans to lower rates and taken buyers from booking to registration. Bring the builder's quote or your loan statement.