Check if you qualify — in under a minute
Simple criteria, minimal paperwork. Here's everything you need to know before you apply.
Who Can Apply?
- Salaried employees — private or government job
- Self-employed — shop owners, traders, small businesses
- Farmers and agri-business owners (for house purchase or construction)
- Age: 21 to 65 years
- Indian resident with Aadhaar and PAN
Features & Benefits
Before You Apply — Keep These Ready
👔 For Salaried Employees
- Aadhaar Card
- PAN Card
- Last 3 months' salary slips
- Last 6 months' bank statement
- Form 16 or last 2 years' ITR
- Property documents (if finalised)
- Passport-size photograph
💼 For Self-Employed / Business Owners
- Aadhaar Card
- PAN Card
- Last 2 years' ITR with computation
- Last 6 months' bank statement (business + personal)
- Business registration proof (GST / Shop Act / Udyam)
- Property documents (if finalised)
- Passport-size photograph
If you don't have all the documents right now, don't worry — fill the form and our advisor will guide you on what is needed.
Step-by-Step Application Process
Fill the Application Form
Share your basic details: name, mobile number, city, monthly income, loan amount needed, and type of loan. Takes less than 5 minutes.
Free Eligibility Check
Our team reviews your profile and tells you how much loan you can get and which banks are best for you. You will get this within 1 working day.
Choose Your Bank
We show you 2–3 banks with interest rates and EMI amounts. You decide which one to go with. No pressure.
Document Verification
The bank verifies your documents and property. They may visit your home or office. This usually takes 7 to 15 working days.
Bank & Property Check
The bank checks the property you want to buy to make sure it has clear documents and title.
Sanction Letter
Once approved, the bank sends a sanction letter with the loan amount, interest rate, and EMI details. Read this carefully before signing.
Disbursement
After all formalities are done, the money is transferred — directly to the property seller or builder, or to your account for construction.
Application to sanction in just 48 hours
Important Things to Know
- Your credit score (CIBIL) matters. A score of 700 or above gets better interest rates.
- The bank will check the property you want to buy. Make sure it has clear documents.
- Do not give false information in the application. It can lead to rejection.
- Compare the total cost of the loan — not just the EMI — before choosing a bank.
- Read all loan documents carefully before signing. Ask us if anything is unclear.
Apply for a Loan
Applying through Home Loan Bazaar is completely free. We do not charge any fee from borrowers.
Get Your Free Eligibility Check
Fill this in under 5 minutes — our advisor will call you within 1 working day.