Home Loans
Some addresses change everything.
First flat, forever home, or the plot you'll build on — Clario structures home loans for maximum eligibility, minimum rate, and paperwork that comes to your doorstep, not the other way around.
Loan Types
Wherever you are in the journey, there's a loan shaped for it.
New Home Purchase
New Home Purchase
Ready-to-move or under-construction, from a builder or on resale — we structure the loan around the property and your profile, and manage builder coordination and legal verification along the way.
- Up to 90% of property value
- Doorstep documentation
- Legal & technical checks handled
Plot + Construction
Plot + Construction
Buying land and building your own way? A composite loan covers both — disbursed in stages that match your construction timeline, so interest never runs ahead of the build.
- Single loan, staged disbursal
- Interest only on amounts released
- Construction-linked planning
Home Loan Balance Transfer
Home Loan Balance Transfer
If your rate hasn't moved with the market, you're overpaying every month. Transfer the balance, drop the rate, and take a top-up for renovation or anything else.
- Rate reduction on day one
- Top-up at home-loan rates
- We close out the old lender
Loan Against Property
Loan Against Property
Unlock the value in property you already own — for business expansion, education, or consolidation — while you keep living in or earning from it.
- Large ticket sizes
- Long tenures, low rates
- Residential & commercial property
Plan It Precisely
Know your number before you sign anything.
Remember: stamp duty & registration (~6–7% in Karnataka) aren't covered by the loan.
※ Old regime; consult your CA.
| Year | Opening | Principal | Interest | Closing |
|---|
I currently pay ₹25,000 rent, rising 7% a year.
Illustrative only — actual rent and property appreciation vary by location and market.
I earn ₹90,000 a month, plus ₹0 from a co-applicant, pay ₹5,000 in EMIs, and want a 5 year loan.
Add a co-applicant to raise eligibility — most customers do.
From first look to the keys in hand.
Consultation
Property shortlisted or still hunting — we set your real budget first.
Documentation
Income, KYC, and property papers, collected from your doorstep.
Sanction
Lender-negotiated offer, typically inside a week.
Registration & Disbursal
We coordinate with the builder or seller through registration; funds move on schedule.
Consultation
Property shortlisted or still hunting — we set your real budget first.
Documentation
Income, KYC, and property papers, collected from your doorstep.
Sanction
Lender-negotiated offer, typically inside a week.
Registration & Disbursal
We coordinate with the builder or seller through registration; funds move on schedule.
Documents you'll need
That's the whole list. We collect everything from your doorstep.
FAQ
Questions, answered.
Lenders typically allow EMIs up to 50-60% of your net monthly income (FOIR), and with home loan tenures stretching to 30 years, that translates into meaningfully higher eligibility than a car or personal loan on the same salary. Adding a co-applicant's income — a spouse or parent, for instance — raises this further, which is why most of our customers apply jointly.
Floating rates track the market and are lower on average over a long tenure, which is why the vast majority of home loans in India are floating. Fixed rates offer payment certainty but usually reset every few years anyway and start higher. For most borrowers with a 15-20+ year horizon, floating works out cheaper — we'll walk you through the actual numbers for your lender options.
It's a single loan that funds both the land purchase and the construction on it, disbursed in stages tied to your build progress rather than as one lump sum. This means you only pay interest on the amount actually released, which keeps your EMI aligned with your real cash flow during the build.
Yes — principal repayment qualifies under Section 80C (within the overall ₹1.5L limit) and interest paid qualifies under Section 24(b), currently up to ₹2L per year for a self-occupied property. These limits are set by current tax law and can change, so we always recommend confirming the specifics with your CA before filing.
If there's a meaningful gap between your current rate and what's available today — even 0.5-0.75% on a large, long-tenure loan adds up to a significant sum — it's usually worth it. We handle the transfer paperwork end-to-end, including closing out the old lender, so the effort on your side is minimal.
Expect a processing fee (typically 0.25-1% of the loan amount, negotiable based on your profile), legal and technical valuation charges, and possibly stamp duty on the loan agreement depending on your state. We disclose every fee upfront before you commit to a lender — no surprises buried in the sanction letter.