Home loan · Gurugram
Loan Lene Ka Sahi Tarika
Home loan in Gurugram, matched to your project and salary
In Gurugram, the project matters as much as your salary. For a new flat, a lender has to approve your Dwarka Expressway or Sohna Road project first, so we compare banks and HFCs on both.
◆ ProperPaisa promise ◆
₹0 fee · Doorstep documents
Just your name and number. Your advisor calls you back on working days.
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 Gurugram
First-time buyers on the Dwarka Expressway
Many newer launches in sectors 99–113 sit in the affordable and mid range, where a small pricing gap shows up in every EMI.
Families moving up around Sohna Road
Selling a smaller flat to buy a bigger one in Sectors 47–50 or South City II. The two loans need careful timing, and your advisor plans it with you.
Couples buying together
Two Gurugram salaries on one application can raise the eligible amount. Lenders look at each income and each CIBIL score.
Good to know in Gurugram
- For an under-construction flat, ask us which lenders have approved the project and check its HRERA registration before paying the booking amount.
- RBI caps the loan at 90% of value up to ₹30 lakh, 80% up to ₹75 lakh and 75% above. Stamp duty and registration are paid by you on top.
- Floating-rate home loans taken by individuals carry no prepayment charges under RBI rules, which helps if your bonus goes towards the loan.
- Already paying a pricier home loan? After 3 EMIs, a balance transfer to another lender may bring the EMI down.
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.
Our Gurugram office
ProperPaisa — Gurugram — Tikri
Shop No 12 Titri, near by Sbi Atm, Tikri, Sector 48, Gurugram, Haryana 122018
Mon–Sat, 9:30 AM – 6:30 PM · Sunday closed
90344 40129Directions in Google Maps →Home loan in Gurugram: questions
How do I know which lenders have approved my Dwarka Expressway project?
Lenders approve projects one at a time and the list changes. Share the project and tower, and your advisor checks which lenders have it on their approved list.
Can I get a home loan for a resale flat in South City II?
Yes. For a resale flat, lenders check the chain of title and the society's papers instead of project approval. Your advisor gets the seller's document list early so the deal doesn't stall.
Can I meet an advisor near Sohna Road?
Yes. Our Gurugram branch is at Tikri, Sector 48, near the SBI ATM. Your advisor can also come to your home or office for documents.
Do I pay ProperPaisa anything?
No fee from us at any stage. The lender pays ProperPaisa as its authorised partner; you pay only the lender's own charges, shown before you pick.
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.