Home Loan

Home Loan for Purchase, Resale & Construction

Buying a new flat, a resale property, or building on your own plot in Mumbai/MMR β€” we help salaried and self-employed borrowers compare options across our 260+ lender network and manage the paperwork end-to-end.

PurchaseResaleConstructionSalaried & Self-employed

Rates, loan amount and tenure depend on the lender and your profile β€” our team shares current options during your free consultation.

Check Your Home Loan Eligibility

Takes under a minute. No documents needed right now.

Thank you β€” we've received your enquiry. A Rathi Finance advisor will contact you shortly to understand your requirement. For anything urgent, message us on WhatsApp at +91 72080 77551.
Key Benefits

Why enquire through Rathi Finance

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260+ Lender Network*

Compare options across banks & NBFCs instead of relying on one.

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End-to-End Support

From eligibility check to disbursement, we stay with you.

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Salaried & Self-employed

Guidance tailored to your income profile.

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Local Mumbai Expertise

On-ground knowledge of the Mumbai/MMR property market.

Who Is This For

Salaried & self-employed home buyers in Mumbai/MMR

Whether you're a first-time buyer, upgrading to a bigger home, or building on land you already own, our team helps assess your eligibility and match you with a suitable lender from our network.

Use Cases

Common requirements we help with

Purchase of a new or under-construction flat
Resale property purchase
Home construction on an owned plot
Home renovation / extension (confirm if currently offered)
Eligibility

General eligibility framework

  • Indian resident β€” salaried or self-employed
  • Stable, verifiable income source
  • Property with clear title
  • Age and income thresholds vary by lender β€” confirmed during your consultation

This is a general framework, not a guarantee of eligibility or approval β€” exact criteria depend on the lender you're matched with.

Documents

Typically required documents

  • PAN & Aadhaar
  • Income proof (salary slips / ITR)
  • Last 6 months' bank statements
  • Property documents (agreement, title papers)
  • Photographs

Final checklist confirmed with you once a lender is shortlisted for your case.

How It Works

From enquiry to disbursement

1

Free Consultation

Share your requirement via WhatsApp or the form above.

2

Lender Matching

We compare suitable options from our network.

3

Documentation

We guide you through the paperwork and filing.

4

Sanction & Disbursement

We follow up with the lender until funds reach you.

Why Rathi Finance

What makes Rathi Finance different for a Home Loan

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Honest Guidance

No consultation fees, no pressure tactics.

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Local Expertise

Kandivali West-based team with Mumbai property-market knowledge.

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Balance Transfer Aware

If you already have a home loan elsewhere, we can also assess a transfer.

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Complex Case Support

We also work with more complicated profiles β€” see below.

Multiple Bank & NBFC Options

Access to our 260+ lender network*

We compare suitable options for your case instead of relying on a single lender.

SBIHDFCICICIBajaj Finance LIC Housing FinanceLendingkartFlexiLoans + 260 more in our network*

*260+ lender network is Rathi Finance's existing business claim. Actual lender availability for any specific case depends on product, borrower profile and geography.

Home Loan Rejected or Profile Complicated?

Non-standard income proof, a co-applicant situation, or a previous rejection elsewhere β€” bring your case to us and we'll explore the right lender fit across our network.

We review each case on its merits across our lender network β€” we do not guarantee approval, and no case is promised a 100% outcome.

Discuss a Challenge Case β†’
FAQ

Common questions about Home Loan

What documents do I need for a home loan?

Typically PAN, Aadhaar, income proof (salary slips or ITR) and bank statements, plus property documents. We'll confirm the exact list for your case.

Can self-employed applicants apply?

Yes β€” eligibility criteria differ slightly from salaried applicants; our team will guide you through what's needed.

Can I transfer my existing home loan to a better rate?

Yes, see our Balance Transfer page β€” we assess whether a transfer makes sense for your specific loan.

How long does home loan processing take?

Processing time depends on the lender and how quickly documents are provided β€” we'll give you a realistic timeline after reviewing your profile.

What if my profile is complicated or was rejected elsewhere?

We specifically work on complex and previously-rejected cases β€” see the Challenge Case section above.

Related Products

Ready to check your Home Loan eligibility?

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