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Home Loan | scalexfinance

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ScaleX Finance
Get Started

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Home Loan

Turn Your Dream into Reality

Compare and secure home loans from India’s leading banks and housing finance companies with expert guidance from ScaleX Finance Advisory teams.

Check Loan Eligibility Talk to an Advisor
Home loan with ScaleX Finance — your dream home our priority

Loan Amount

Up to ₹ 5 Cr

Interest Rate

Starting 8.5 % p.a

Tenure

Up to 30 years

Loan-To-Value

Up to 90%

Overview

Buying or building a home is one of the biggest financial decisions you’ll make. ScaleX Finance simplifies this by comparing loan offers across multiple banks and housing finance companies, so you get the best combination of interest rate, tenure, and processing terms without visiting multiple branches or navigating confusing paperwork alone.

Couple receiving home keys with ScaleX Finance advisor

Types of Home Loans We Facilitate

New Home Purchase Loan

For Ready - to- move or under- Construction properties.

Home Construction Loan

For Building on land you already own.

Plot+ Construction Loan

Combined Financing for plot purchase and construction

Balance Transfer + Top-Up

Move your existing home loan to a lower rate and access additional funds.

Eligibility Criteria

Age

21-65 Years

Income Proof

Salaried or Self Employed

Monthly Income

Minimum ₹20,000 +

CIBIL Score

700+ preferred

Documents Required

Identity Proof

PAN, Aadhaar, Passport

Property Documents

Ownership , Agreement

Income Proof

ITR, Computation of Income

Bank Statements

Last 12 months

Photographs

Passport size photographs

Interest Rates & Fees

Component Details
Interest
Rate 		8.5% – 11% p.a. Reducing balance basis
Processing
Fee 		Up to 1% Nil for select partners
Prepayment
Charges 		2% on outstanding Nil after 12 EMIs
Loan
Tenure 		Up to 30 years Nil after lock-in

EMI Calculator

Estimate Your Monthly EMI

Estimate your home loan EMI instantly. Adjust loan amount, interest rate, and tenure to plan your monthly budget before you apply.

[loan_calculator]

How It Works

Home loan advisor reviewing options with a client

4 Easy simple steps from application to disbursement

STEP 01

Share Your requirement

Fill the enquiry form or speak with our advisor

STEP 02

Document Collection

Our team collects and verifies your documents digitally

STEP 03

Lender Matching

We shortlist lenders most likely to approve your profile.

STEP 04

Sanction & Disbursal

Once approved, funds are disbursed directly to your account.

Trusted Lending Partners

Home Loan FAQs

What is the maximum loan-to-value (LTV) I can get?
Typically up to 90% for loans below ₹30 Lakh, reducing to 75–80% for higher loan amounts, as per RBI norms.
Can I transfer my existing home loan to get a lower rate?
Yes — our Balance Transfer + Top-Up product lets you move to a lender offering a better rate and optionally access additional funds.
Is a co-applicant required?
Not mandatory, but adding a co-applicant (e.g., spouse) can improve loan eligibility and may offer tax benefits.
How long does home loan approval take?
Typically 7–15 working days, depending on property documentation and legal/technical verification.
Are there tax benefits on home loans?
Yes, under Sections 24(b) and 80C of the Income Tax Act, subject to applicable limits. Please consult your tax advisor for specifics.

Let’s Find the Right
Home Loan for You

Ready to Find the Right Home Loan For You?

Compare offers from India's leading lenders and receive expert guidance throughout your home-buying journey.

Apply Now
Modern home at twilight

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