🏠 Home Loan

Make Your Dream Home a Reality

Attractive interest rates, flexible tenures up to 30 years, and hassle-free processing. Your journey to home ownership begins here.

Home Loan – Overview

Bharat National Bank's Home Loan is designed to make home ownership accessible to every Indian family. Whether you're buying your first flat, constructing a new house, or renovating your existing property, we offer customized financing solutions to meet your unique needs.

With one of the most competitive interest rates in the industry, our home loan comes with transparent processing, zero hidden charges, and a dedicated relationship manager to guide you through every step of the application process.

💡 Special Offer

Interest rates starting at 8.35% p.a. for salaried professionals under the PM Awas Yojana scheme. Women borrowers get an additional 0.05% concession!

Key Features & Benefits

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Loan Amount: Up to ₹5 Crores for residential property purchase, construction, or renovation.
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Interest Rate: Starting at 8.35% p.a. (linked to RBI Repo Rate). Both fixed and floating rate options available.
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Flexible Tenure: Repayment period from 5 years up to 30 years based on your comfort and eligibility.
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Quick Sanction: Get in-principle approval within 48 hours with minimal documentation.
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Zero Prepayment Charges: No penalty for partial or full prepayment on floating rate loans.
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Tax Benefits: Avail tax deductions under Section 80C (principal) and Section 24(b) (interest) of the Income Tax Act.
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Top-Up Loan: Existing customers can avail top-up loans for home improvement, furnishing, or any personal need.

Eligibility Criteria

Salaried individuals (age 21–60), self-employed professionals (age 25–65), and NRIs are eligible to apply. Minimum income requirement: ₹25,000/month (salaried) or ₹3,00,000/year (self-employed). A good CIBIL score of 700+ is preferred for faster processing.

Interested? Get a Callback

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