About Home Loan

Found your dream home? Want to buy it? With CredoKart’s Home Loan, your dream home is not so far away. Our Home Loans come with exclusive features and benefits for aspiring homeowners.

Our Home Loans are ideal for purchasing a flat or a plot or even building your own home. It is also perfect for those who wish to extend their existing residence.

Our home loans are available to both residents and non-resident Indians.


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Get financing for whatever you need now

Reach all of your ambitions and goals with the proper kind of assistance, just when you need it.

New Home

Credokart offers home loans with basic interest rates. You can easily verify your eligibility and apply online. We understand your need for instant funds and offer fast loan approvals.

Home Conversion

CredoKart offers a home conversion scheme for those who have already taken a loan from us and wish to change to another type of loan. There are set guidelines in place for this scheme.

Land Purchase

Credokart provides house loans for the purchase of land to build your dream home. With our loan comparison table, you may compare home loan rates.

Home Renovation

Get instant approval for the renovation of your home. Credokart’s home improvement loan has a fixed rate and a flexible EMI repayment model.

Get financing for whatever you need now

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CredoKart’s home loans come with a wide range of privileges such as:

  • Low Interest Rates & Processing Charges: We have some of the lowest home loan interest rates in the market, making it easier to get your dream home. Furthermore, our home loan processing fees are low, and there are no pre-closure fees.
    • Processing Charges
    • Rate of Interest
  • Higher Loan Amount: When you add a close family member as a co-applicant to your home loan, you can boost your eligibility. As a result, you’ll be able to receive a higher home loan amount.
  • Free Credit Card & Insurance: With our home loan, you’ll get a free credit card and a 0.25% concession on car loans. In addition, every home loan comes with free accident insurance. When applying for the loan, you can also choose to get group credit life insurance coverage. This insurance protects the borrower’s family in the event of the borrower’s death, and the family is not obligated to repay the home loan up to the claim amount. You can pay the fee for the insurance along with your home loan EMIs.
  • Longer Tenures: We offer tenure of up to 30 years on home loans, so you won’t have to worry about hefty equated monthly installments (or EMIs). Rather, repay your home loan in EMI amounts that are best suited to your financial circumstances.
  • Top up loans:
  • One of the primary advantages of our home loans is that you can apply for a top-up loan up to five times during your loan term.

    Home Loan - Eligibility

  • Who is eligible? Our home loans are available to all Indians, both residents and non-residents, aged 21 to 70.
    • Purchase of a new or previously owned residential unit.
    • House construction.
    • Purchase of a plot of land to build a dwelling.
    • Repaying a loan from another Housing Finance Company / Bank that has previously been taken out.
    • A repayment period of up to 30 years is possible (floating rate option).
    • Reimbursement of the cost of the plot (purchased within 24 months)
  • Loan amount: The amount of a home loan that can be obtained varies depending on the applicant’s location and income. For example, the maximum home loan amount in semi-urban and rural areas is Rs. 1 crore, whereas the maximum home loan amount in metros might range from Rs. 5 crores to Rs. 10 crores.
  • Interest rate: The interest rate is linked to the Baroda Repo Linked Lending Rate(BRLLR) of the bank and is reset monthly.
  • Tenure and moratorium: The term of our home loans varies depending on the loan amount and the borrower’s income, with a maximum term of 30 years. On home loans, there is also a moratorium period, which can last up to 36 months after the loan has been disbursed.
  • Collateral: We require collateral against home loans. We usually take a mortgage on a constructed or purchased property as collateral. Insurance policies, government promissory notes, shares and debentures, gold jewelry, and other items may be accepted as collateral for home loans in some situations.


Frequently Ask Questions

  • Yes, you can get a home loan from CredoKart if you want to build or buy a house/flat, or if you want to extend your current house/flat.
  • A minimum of 21 years
  • Employed or Self Employed with regular income.

Co-applicants must be the potential owners of the residential accommodation as per the Agreement for Sale, for which financial assistance is sought. Typically, joint applications come from husband and wife, father and son, mother and son, and so on.

  • The amount of the loan is determined by the applicant’s ability to repay it. Age, income, dependents, assets, liabilities, job stability and income continuity, savings, and other criteria are all taken into account when determining repayment capacity.
  • The maximum loan would be Rs.10.00 Crore per unit to any individual applicant based on the area where the property is proposed to be constructed/purchased. We will extend loans up to 90% (for fresh houses/flats) of the cost of property under our Housing Loan Scheme.
  • We can grant a period of up to 30 years. Under no circumstances can the loan duration exceed the age of retirement or the completion of 65 years of age, whichever comes first.

Get a Quote

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

    Call: 9166700355