Home Loan

eFinancial City – The Most Comprehensive & Transparent Home Loan Advisory

When it comes to home loan with lowest interest rate, most people face confusion, hidden charges, poor guidance or rejection due to lack of awareness. We solve all that and more. Here’s what makes us India’s most trusted name in home financing:

100% Transparency on Loan Eligibility

• No false promises. We help you understand the exact amount you are eligible for – factoring in age, income, property type and resale vs new.
• Clear explanation of why banks reduce sanctioned amounts due to valuation mismatch – we prepare you in advance so you’re not shocked later.

Unmatched Expertise Across Every Loan Type

We don’t just offer home loans – we offer complete property finance solutions, including:

• New Home Purchase Loans
• Resale Home Loans (with independent valuation assistance)
• Composite Plot + Construction Loans
• Standalone Construction Loans
• Home Renovation/Improvement Loans
• Home Extension Loans
• Commercial Property Loans
• Plot Purchase Loans
• Office Space Finance
• Top-Up Loans on Existing Home Loans

We Explain What No One Else Does

• Why Stamp Duty & Registration are excluded from bank’s funding? We decode this.
• How to avoid under-sanctioning by preparing your documents the right way.
• The real impact of borrower age on tenure & EMI — and how to plan around it.
• The hidden reality of lower valuations in resale flats and what you can do.

Maximum Loan, Minimum Stress

• Loans up to 90% funding for under ₹20 lakhs – ideal for affordable housing buyers.
• We negotiate best possible margins with leading banks like SBI, HDFC, ICICIand others.
• Full hand-holding for composite loans – from land purchase to construction funding.

Zero Prepayment Penalty? Yes, but…

We guide you on RBI & NHB rules: when prepayment penalties apply and when they don’t. Most borrowers don’t know this — we make sure you do, because we are know for the home loan advisory services. No wonder, we are best when it comes to instant loan approval.

No Surprises, Only Clarity

• We break down the true EMI, processing fees, insurance clauses and any hidden costs so you are never misled.
• Full support during property document verification, registration and even valuation negotiation if needed.

Beyond Just a Loan – A Full Guidance System

• Which bank is best for your specific need? We compare, recommend connections.
• We don’t just help you get the loan — we help you get it on the best terms possible. We help you compare loan interest rates as well.
• Personalised guidance for first-time buyers, salaried professionals, self-employed individuals and NRIs.

Why Choose Us?

Because we are the best loan provider as no bank or aggregator offers all this under one roof:

• Deep insights into bank-specific policies
• Real-world strategies to boost eligibility
• Honest advice. No sales pitch.
• Free, unbiased loan health check for existing borrowers.