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Start in 4 Simple Steps Today!

Quick and easy application. Apply from anywhere. Get your money fast.

Step 1

Enter Personal Details & Submit Application

Step 2

Our Partner calls you to confirm

Step 3

Site visit & in-person discussion

Step 4

Loan approval & Get fund disbursed

EMI Calculator

EMI Calculator for Home Loan, Business Loan, Personal Loan & Mortgage Loan

100000

₹

₹ 1 Lac

₹ 10 Cr

1

Yr

1 Yr

30 Yr

0

%

0.5 %

20 %

Principal Amount

Interest Amount

Monthly EMI
₹8,649
Principal Amount ₹10,00,000
Total Interest ₹10,75,760
Total Amount ₹20,75,760

List of Documents Required

  • / Proof of Income
  • / Pan Card
  • / Statement of Primary Bank Account
  • / Proof of Permanent Residence
  • / Property Documents
  • / Latest Form 16
/

Finance For Your Business

Turn your business dreams into reality. Apply for a business loan today and leave your financial worries to us

Special Offer On Home Loan

You’ve always dreamed of buying your ideal home, but do rising expenses make you hesitate to pursue that goal

Why Choose Lending Shperes

Quick and easy application. Apply from anywhere. Get your money fast.

Quick Approval
& Processing

Low Interest
Rates

Minimum
Documentation

Flexible Loan
Tenure

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Frequently Asked Questions

What makes Lending Spheres the right choice for a home loan?

Lending Spheres uses technology to partner with leading home loan providers like HDFC Bank and AXIS Bank, offering customized solutions just for you. Our home loans come with exclusive benefits, including: Competitive interest rates, Low minimum loan amount, High maximum loan amount, Flexible prepayment options, A fully digital platform for a seamless, user-friendly experience

What Factors Determine My Home Loan Eligibility?

The following factors play a key role in determining your home loan eligibility: Credit score (minimum 700) Total income of all applicants Age of the primary applicant (minimum 21 years, maximum 70 years) Occupation of the primary applicant Existing obligations and EMIs Additional sources of income, if applicable Repayment capacity Current residential location Location of the property you intend to purchase

What are the interest rates for home loans?

The home loan interest rate you qualify for is largely determined by your credit profile, income, occupation, and various other factors. For reference, home loan interest rates typically start at 8.5%.

What are the steps and timeline after submitting my home loan application?

Here’s a helpful guide to give you clarity on how our loan against property application process works, along with the average time taken at each stage: Loan against property application (1 hour) Document submission (1 day) Legal & technical verification (1 day) Loan approval (2 days) Loan sanction (11 days) Funds disbursal (6 days)

What Are the Maximum and Minimum Loan Amounts and Tenures Available?

Loan Amount Minimum: ₹5 Lakhs, Maximum: ₹3 Crores, Loan Tenure Minimum: 3 years, Maximum: 30 years for salaried individuals; 20 years for self-employed individuals.

What Are the Different Purposes for Which I Can Obtain a Home Loan?

You can choose from the following types of home loans offered by Lending Spheres official partners, Home Construction Loan, Home Loan for Plot Purchase and Construction, Home Extension Loan, Home Renovation Loan, Construction Finance.

Will I Receive Tax Benefits for Taking Out a Home Loan?

Under sections 80C, 24(b), and 80EEA of the Income Tax Act, you are eligible for tax benefits on the repayment of home loan principal and interest. For more details, please consult your tax advisor.