Home loan · Delhi
Loan Lene Ka Sahi Tarika
Home loan in West Delhi, matched to the kind of home you're buying
Buying a builder floor in a West Delhi colony is a different file from buying a resale DDA flat. We compare government banks, private banks and housing finance companies, starting from what the property's papers will support.
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Home loan at a glance
- Starting rate7.20%*p.a., for eligible profiles
- Loan amount₹5 lakh – ₹50 crore
- TenureUp to 30 yrs
- Our fee₹0Plus processing fee refund up to ₹10,840 from ₹50 lakh*
*Starting rate as of October 2026 for eligible profiles; rates change from time to time. Final rate, amount, fees and approval are decided by the lender based on your profile.
Who it suits in Delhi
First-time buyers of a builder floor
Each floor is sold on its own, so lenders check the building plan and that floor's sale deed. We line up lenders used to funding floors.
Buyers of a resale DDA flat
Leasehold or converted to freehold, the documents differ. Your advisor gives you the exact list before you pay a token amount.
Families building on their own plot
A construction loan is released in stages as the work goes up. The plot's title has to be clear before the first payment.
Good to know in Delhi
- As per RBI norms, lenders can fund up to 90% of the property value for loans up to ₹30 lakh, 80% up to ₹75 lakh and 75% above that. The rest is your down payment.
- Colonies at different stages of regularisation are where many Delhi files slow down. Check the colony's status with your advisor before you sign an agreement to sell.
- On floating-rate home loans taken by individuals, RBI rules mean no prepayment charges, so you can part-pay whenever a bonus comes in.
- Most lenders look for a CIBIL score of 680 or above. Salaried and self-employed buyers can both apply, with different paperwork.
Lenders we compare
One application, compared across the lenders that fit your profile. Your loan agreement is always with the lender.
You share your details once — ₹0 fee
ProperPaisa (bank-authorized DSA) takes your file to the right lenders
Bank / NBFC sanctions the loan — your agreement is with them
HDFC BankPrivate bank
ICICI BankPrivate bank
Axis BankPrivate bank
Kotak Mahindra BankPrivate bank
IndusInd BankPrivate bank
Yes BankPrivate bank
IDFC FIRST BankPrivate bank
IDBI BankPrivate bank
Federal BankPrivate bank
RBL BankPrivate bank
Bandhan BankPrivate bank
AU Small Finance BankPrivate bank
Ujjivan Small Finance BankPrivate bank
Shivalik Small Finance BankPrivate bank
Standard CharteredPrivate bank
Deutsche BankPrivate bank
State Bank of IndiaGovt bank
Bank of BarodaGovt bank
Punjab National BankGovt bank
Canara BankGovt bank
Union Bank of IndiaGovt bank
Bank of IndiaGovt bank
Indian BankGovt bank
Central Bank of IndiaGovt bank
Logos are trademarks of their owners and identify lenders we work with, directly or through our channel partner; they do not imply endorsement.
Check your EMI
Move the sliders to see your monthly EMI. Your advisor brings actual quotes from matched lenders.
Served from our Bahadurgarh — Rohtak Road office
We serve Delhi from our head office on Rohtak–Delhi Road in Bahadurgarh. Mundka is about 10 km away and central Delhi around 30 km; the Green Line metro runs from Mundka to Bahadurgarh if you want to visit.
ProperPaisa — Bahadurgarh — Rohtak Road
Metro Pillar No. P-814, Shyamji Complex, L-2 Ground Floor, Rohtak-Delhi Rd, near HDFC Bank, Ram Nagar, Bahadurgarh, Haryana 124507
Mon–Sat, 9:30 AM – 6:30 PM · Sunday closed
99962 49019Directions in Google Maps →Home loan in Delhi: questions
Do lenders fund builder floors in West Delhi?
Many do, when the building has a sanctioned plan and the floor has its own registered sale deed. A few are stricter about the colony and the age of the building.
I'm buying in an unauthorised colony in Delhi. Is a home loan possible?
Usually not until the colony is regularised and the property's papers show it. Some lenders accept certain regularised colonies, and your advisor will tell you honestly if yours is a no.
For an under-construction flat, what do lenders check first?
The project's RERA registration and the builder's approvals, before your own file. Approval, amount and rate are then decided by the lender on your profile.
What do I pay you for arranging the home loan?
₹0. ProperPaisa is paid by the lender as its authorised partner. The lender's processing, legal and valuation charges are shown before you choose.
ProperPaisa is not a lender. We are an authorised DSA (Direct Selling Agent) of our partner banks and NBFCs, directly or through our channel partner. Loans are sanctioned solely by the lender; rates, fees and approval depend on your profile and lender policy. ProperPaisa's service is ₹0 for customers. Coin and fee-refund benefits apply to qualifying disbursals only; T&C apply. Tanishq is a trademark of Titan Company Ltd. and Kalyan Jewellers of Kalyan Jewellers India Ltd.; coins are bought at retail and ProperPaisa is not affiliated with either.