Home/Home Loan
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Home Loan

Buy your dream home — new flat, resale property, plot + construction or renovation — with the lowest interest rates and fastest approval in Surat.

Home Loan

What Can a Home Loan Cover?

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    New Flat / Bungalow Purchase: Under-construction or ready-to-move
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    Resale Property: Buy a second-hand home
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    Plot + Construction: Buy land and build your own home
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    Home Renovation / Extension: Upgrade your existing home
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    Balance Transfer: Move your existing home loan to a lower rate
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    Top-Up Loan: Extra funds on your existing home loan
LOAN AMOUNT
Up to ₹5 Crore
INTEREST RATE
From 8.5% p.a.
TENURE
Up to 30 Years
Rates

Home Loan Interest Rates

Bank / NBFCInterest RateMax AmountMax Tenure
SBI8.50% – 9.85%₹5 Crore30 Years
HDFC Bank8.60% – 9.90%₹5 Crore30 Years
ICICI Bank8.75% – 9.95%₹5 Crore30 Years
Axis Bank8.75% – 10.15%₹5 Crore30 Years
Bank of Baroda8.50% – 10.60%₹5 Crore30 Years
LIC Housing Finance8.65% – 10.75%₹5 Crore30 Years

*Rates vary by profile and property type. FinReal Finance will select the best bank for you.

Calculator

Home Loan EMI Calculator

Loan Amount ₹30 Lakh
Interest Rate 8.5%
Loan Tenure 20 Years
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MONTHLY EMI
₹26,035
Principal₹30,00,000
Total Interest₹32,48,160
Total Payable₹62,48,160
Requirements

Eligibility & Documents

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Eligibility Criteria

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    Age: 21 – 65 Years (loan tenure ends before retirement age)
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    Salaried: Min ₹20,000/month income
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    Self-Employed: Min ₹3 Lakh annual income
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    CIBIL Score 700+ (650+ also considered)
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    Property with clear title and RERA approval (where applicable)
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Documents Needed

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    Aadhar Card + PAN Card
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    Last 3 month salary slip (Salaried)
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    Last 2–3 year ITR (Self-Employed)
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    Last 6 month bank statement
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    Property documents (agreement, title deed, sanctioned plan)
Simple Process

How to Get a Home Loan?

1
Apply
Fill the form or call — takes 5 min
2
Eligibility
We'll decide the best bank and rate
3
Documents + Property Check
Submit docs — legal & technical verification
4
Disbursement
Loan amount released — move into your new home

Ready to Buy Your Dream Home?

FinReal Finance & Realty — Surat's trusted home loan partner. Fast approval, best rates.

📋 Apply Now 📞 88664 14193