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Home Loan

Our affordable and flexible Home Loans are designed to take you closer to your dream home. Our Home Loan affordability tool calculates your estimated EMI based on factors such as loan tenure, amount, and interest rates, tailored to your specific needs. Discover our diverse selection of products offering highly competitive Home Loan Interest Rates, extended repayment periods, and additional advantages such as EMI waivers. Read Less

Features & Benefits

Attractive interest rates

Enjoy affordable Home Loans with competitive Interest Rates to make your dream home a reality.

Hassle-free loan balance transfer

Transfer your existing home loan to Docland, without any hassles.

Doorstep service

We value your time and are pleased to provide doorstep service for your convenience.

No prepayment charges

Pay off your loan early without any additional prepayment charges (for floating rate loans).

Transparent processing

Experience quick and transparent loan processing for hassle-free approval.

Flexible tenure

Repay your home loan with smaller EMIs over a longer tenure, depending on your financial needs.

Great plan start with well-calculated decision

Home Loan EMI Calculator

Calculating your Home Loan EMI is now easier than ever with our user-friendly and efficient Home Loan EMI Calculator. Whether you have a ₹30 lakh home loan EMI for 20 years or a ₹20 lakh home loan EMI for 10 years, use our Home Loan EMI calculator to effortlessly manage your repayments and make your dream home a reality.

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3L 2Cr
%
6.5% 12%
Y
1Y 30Y
Your EMI* ₹0

*Equated Monthly Installment

Note: To see amortization schedule, please click here.

Total Amount Payable

₹0

Principal

₹0

Interest

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Home Loan Eligibility Calculator

A place to call our own is an aspiration for most of us. But owning a home requires a lot of planning, given the costs involved. However, with the right kind of financial support, buying your own home is a dream that you can fulfil easily.

Y
21Y 57Y
Y
3Y 30
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8K 1Cr
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0 1Cr
%
7% 18%
Your EMI* ₹0

*Equated Monthly Installment

Loan Amount

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Family

Docland Home Loans

Housing loans for resident Indian and NRI salaried and Self-Employed customers. Attractive fixed and floating interest rates.

Loan amount starting from

₹3 lakh

Maximum tenure up to

30 Years

Attractive Home Loan Features

Small EMI

Smaller EMIs

Starting From

Starting from ₹3 lakh to ₹10 crore

Early Loan

Hassle free early loan settlement

Interest Rate

Interest rate flexibility

Home Loan Eligibility Criteria

Profession

Home loan eligibility criteria vary based on employment type, with distinct requirements for salaried individuals, professionals, and self-employed applicants.

Age

Eligibility depends on being over 21 years at loan initiation and under 65 years at loan closure, with a strong financial record to support the application

Margin requirements

Docland sets varying margin requirements for different home loan brackets to promote financial prudence and ensure loan affordability tailored to each borrower’s needs.

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Home Loan Documentation

Documentation requirements typically include:

Proof of Identity

Proof of Address

Proof of Income

Property Documents

Employment Details

Notes: However, the bank may request additional documents based on the applicant's loan requirements and profession.

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How to apply for a Home Loan

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How to apply for a Home Loan

Follow this step-by-step guide when applying for a housing loan from Docland

01
Fill Application Form
Visit the Docland website and fill in the online Home Loan application form with your personal and financial details.
02
Processing fee
Remit the processing fee to commence validating your application.
03
Financial review
Engage with the bank to clarify Home Loan terms based on your financial profile.
04
Digital application
Utilise the online platform to submit documents for a Home Loan application.
05
Loan evaluation
Bank evaluates your creditworthiness, income stability, and property details.
06
Loan disbursement
Upon approval, the sanctioned amount is disbursed directly to the seller or builder.
01
Visit Nearest Branch
Walk into your nearest Docland with identity proof and income documents.
02
Meet a Loan Expert
Our Home Loan specialist will guide you through suitable loan options for your profile.
03
Submit Documents
Submit KYC, income proof, and property documents at the branch for verification.
04
Processing fee
Pay the applicable processing fee to initiate formal evaluation of your application.
05
Loan evaluation
The bank reviews your application, verifies documents and conducts property assessment.
06
Loan disbursement
Post approval, the loan amount is disbursed as per agreed schedule and conditions.
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Do’s and Don’ts for a Home Loan

Everything you need to know before applying for your dream home loan.

5 Tips
✅

Do's

  • ✓
    Compare Lenders Research multiple banks and NBFCs. Compare interest rates, processing charges, and repayment schedules before committing.
  • ✓
    Know All Costs Upfront Be aware of total costs down payment, processing charges, stamp duty, and registration fees. Make provision for each.
  • ✓
    Prepare Your Documents Keep salary slips, Income Tax Returns, property agreement, and registration documents ready and in order.
  • ✓
    Build a Strong Credit History Improve your credit score before applying. A higher CIBIL score means better interest rates and faster approvals.
  • ✓
    Choose the Right Tenure Balance between a comfortable EMI and total interest outgo. A shorter tenure saves money in the long run.
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5 Cautions
🚫

Don'ts

  • ✕
    Don't Apply on Multiple Aggregators Applying on several aggregator websites simultaneously signals loan hunger and can lower your approval chances.
  • ✕
    Don't Stack Multiple Loans Avoid taking personal or auto loans before your home loan application. These liabilities directly impact your eligibility.
  • ✕
    Don't Overspend on Credit Cards High utilisation or delayed repayments will hurt your credit score right when you need it most.
  • ✕
    Don't Hide Existing Liabilities Always disclose all current loans and obligations. Non-disclosure can lead to rejection or legal complications later.
  • ✕
    Don't Make Large Purchases Before Approval Avoid big-ticket spending that raises your debt-to-income ratio. It can directly affect your loan sanction amount.
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Tips to know about Home Loan

Smart insights to help you choose and manage your home loan wisely.

01

Calculate your EMI affordability

Evaluate how much you can afford in monthly EMIs, considering all your expenses, including any existing loans and credit card debts. Generally, banks allow EMIs to constitute up to 40% of your net monthly income.

Learn more
02

Know your loan eligibility

Applying for a loan amount higher than your eligibility might lead to rejection. Once you know your eligible amount, you can plan your down payment accordingly.

Learn more
03

Leverage existing bank relationships

Applying at a bank with which you have existing relationships, like a savings or salary account, might ease the KYC process, as the bank already has some of your financial information.

Learn more
04

Maintain a strong Credit Score

Banks often favour customers with good repayment records and high credit scores, potentially offering quicker loan approval, more flexible repayment options, or reduced processing fees.

Learn more
05

Verify property approvals

The property you wish to purchase must meet the bank's legal and technical requirements. Ensure the property you are buying has all necessary regulatory and environmental clearances, or check if it's listed as approved by your bank to facilitate faster loan approval.

Learn more
06

Explore joint loans & flexible terms

If your income does not qualify you for the desired loan amount, consider a joint loan with a family member. Opting for a longer repayment term can reduce your monthly EMI and ease your financial burden.

Learn more
07

Repayment process

Understand the Home Loan repayment process by reviewing key factors like your EMI amount, loan tenure, interest rate, penalties for missed EMIs, and the terms and conditions for prepayments or early closures.

Learn more
08

Plan for additional costs

Besides the loan amount, factor in costs like stamp duty, registration fees, and processing fees. These are usually paid by you and not covered by the Home Loan.

Learn more
09

Insurance requirements

Consider opting for Home Loan insurance to cover your loan in case of unforeseen circumstances. This provides added security for both you and the bank.

Learn more

Please be aware that merely submitting the required documents does not guarantee your housing loan approval. Whether your Home Loan application is accepted or rejected depends on meeting the bank's criteria. Docland assumes no responsibility.

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Frequently Asked Questions About Home Loan

Simple answers to the most common insurance queries.

A Home Loan Equated Monthly Instalment (EMI) is your regular payment towards the borrowed amount, divided into principal and interest components. Calculated from the loan's principal, interest rate, and tenure, the EMI ensures a steady reduction in your loan balance. For seamless management, it's deducted from your savings account Adjusting the EMI or loan tenure may be necessary if interest rates change, ensuring consistency in repayment when you apply for a Home Loan.

A Home Loan is secured to finance the purchase or construction of property, with the property itself serving as collateral. In contrast, a mortgage refers to a loan secured by property already owned, often fearing higher interest rates. Both involve pledging property to the lender, but they serve different financial purposes and are subject to varying interest rates in India.

Fixed-rate Home Loans have a constant interest rate throughout the tenure, providing payment stability. In contrast, floating-rate loans have an interest rate that varies with market conditions, offering the possibility of lower rates over time but with less predictability.

Initiate your Docland Home Loan application by completing the form online or at the branch or loan or at any Docland branch. Submit your application along with the requisite KYC documentation. Post sanction, provide the necessary property documents. Following document verification and property appraisal, the loan approval and disbursement occurs within 15 days, subject to accurate and complete documentation.

Salaried applicants must provide their latest salary slips, Form 16, bank statements, and KYC documents, which include proof of identity, address, and income. Employers' certification may also be required to validate employment status and income details.

Enhance your Home Loan eligibility by maintaining a strong credit score, having a stable job history, reducing existing debts, and saving for a higher down payment Consistent income and a low debt-to-Income ratio also strengthen your application.

Applying for a Home Loan online offers significant benefits, streamlining the application process. This saves time, simplifies comparisons of loan options, and calculates eligibility and EMIs instantly. The digital platform ensures a smooth customer experience, removing the need to visit a branch and facilitating a hassle-free and efficient loan application journey.

Various Home Loan options are available to suit different housing needs. These include:
  1. Standard Home Loans for buying a residence.
  2. Standard Home Loans for buying a residence.
  3. Land Purchase Loans for acquiring a plot.
  4. Construction Loans for building a home.
  5. Home Improvement Loans for renovation projects.
  6. Top-up Loans for additional funding on existing loans.
  7. Balance Transfer Loans to switch lenders for better terms.
  8. Pre-approved Home Loans for quicker loan processing.

Home Loans can be utilized for enhancing your property through renovations or adding extensions. Given their lower interest rates compared to personal loans, they are a cost-effective option for home improvement financing.

Docland offers Home Loans up to ₹5 crores. Check your eligibility with the Home Loan Eligibility Calculator to understand the potential loan amount available to you.

Upon submission of the requisite documents, Docland typically sanctions a Home Loan within five business days, enabling a swift start to your home financing journey.

A Home Loan Balance Transfer enables you to shift the outstanding loan amount to a different lender, often for a lower interest rate or a longer repayment term. This strategy can result in reduced interest costs and better financial management. Additionally, you might have the option to obtain further financing through a top-up loan during the balance transfer process.

Here's what you can do if your home loan application is denied:
  1. Examine your finances and credit report closely. Improving your credit score or paying off existing debt can make a significant difference.
  2. If the loan amount is an issue, consider asking for a smaller loan or making a larger down payment. Reduced risk to the lender often equates to a greater chance of loan approval.
  3. Check over each document you provide. Unfinished or incorrect paperwork can sabotage even the best application. Verify everything twice before reapplying.
Close those gaps, tighten up your application, and you will increase your chances of approval when you reapply.

It is permissible to have multiple Home Loans concurrently, subject to certain conditions:
  1. No legal restrictions on holding more than one Home Loan.
  2. Approval is contingent on satisfying the lender's eligibility criteria
  3. The borrower must demonstrate adequate repayment capacity.

Principal repayment qualifies for a deduction up to ₹1.5 lakh under Section 80C. Interest payment offers a deduction up to ₹2 lakh per annum under Section 24(b) Additional deductions up to ₹1.5 lakh for loans under the affordable housing segment as per Section 80EEA, subject to certain conditions. Do note that Section 80EEA benefits are not applicable for home loans taken post March 31, 2022.

The processing fee for a Home Loan is a one-time charge, up to 1% of the loan amount. This fee covers the administrative costs incurred during the loan application process.

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