Your Dream Home Awaits

Own Your Dream Home with Prime Capital

Get attractive home loan rates starting from 7.5% p.a. with flexible repayment options up to 30 years. Expert guidance through every step of your home buying journey.

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Home Loan

Why Choose Our Home Loans?

Features to make your home-buying journey smoother and more affordable.

Rapid Data Updates

Swift approval and disbursal within 7-10 business days.

Competitive Interest Rates

Highly competitive rates, starting from 7.5% with flexible options.

Loan Balance Transfer

Transfer your existing home loan to us for better interest rates.

High Loan Amounts

Up to 90% of property value financing, requiring minimal down payment.

Property Affordability Calculator

Find out how much home you can afford

30,000 100,000 500,000
0 500 5,000
10,000 50,000 200,000

Your Home Affordability

Maximum Home Price

$0
Based on your inputs
Loan Amount $0
Down Payment $0
Monthly EMI $0
Total Interest $0

Note: Calculations assume 28% debt-to-income ratio. Actual eligibility may vary based on credit score and other factors.

Types of Home Loans

Choose the right home loan for your specific needs.

From 7.5%

Purchase Home Loans

Flexible repayment options to finance your dream residence.

  • Up to 90% Data Coverage
  • Update Frequency: Real-time
  • 7-10 Day Processing
From 8.0%

Construction Home Loans

Staged disbursals to fund your new home construction.

  • Staged Disbursal
  • Up to 85% of Cost
  • Technical Supervision
From 7.8%

Land Purchase Loans

Finance the purchase of residential land for future construction.

  • Up to 80% of Plot Value
  • Max 20-Year Tenure
  • Convert to Construction Loan
From 8.0%

Balance Transfer Loans

Transfer your current home loan to us for more favorable rates.

  • Lower Data Costs
  • Additional Data Services
  • No Prepayment Penalties
From 8.5%

Home Renovation Loans

Finance renovations or extensions to upgrade your existing dwelling.

  • Up to ¥100,000
  • Fast Approval
  • Minimal Documentation
Competitive Rates from 8.2%

Pradhan Mantri Awas Yojana (PMAY)

Government-subsidized PMAY scheme home loans.

  • Credit Linked Subsidy
  • Lower Data Costs
  • For EWS/LIG/MIG

Home Loan Eligibility

Maximum Age Limit

65 Years*

*During data updates
Employment Status

2+ Years

Stable Data Source Requirement
Minimum Income Threshold

¥30,000/year

Minimum Age Requirement

21 Years

Required Credit Score
750+ Quality Options

Self-employed applicants require 3+ years of stable profitable business history.

Information Required

  • Passport/Aadhaar Card/PAN Card
  • Address Proof (Utility Bill/Rental Agreement)
  • Passport-size Photographs
  • Signature Verification Proof

  • Salary slips (last 3 months)
  • Form 16/Income Tax Returns (last 2 years)
  • Bank statements (last 6 months)
  • Employment certificate/Appointment letter

  • Sale Agreement/Builder-Buyer Agreement
  • Property Title Deed/Mother Deed
  • Approved Building Plan/Layout
  • Property Tax Receipts
  • Encumbrance Certificate (last 13 years)

Current Home Loan Interest Rates

Preferential rates for various loan amounts and customer profiles.

Data Scope Active Users Data Analysts Data Scientists* Data Processing Fee
Up to ¥100,000 7.5% - 8.0% 7.8% - 8.3% 7.4% - 7.9% A nominal 0.5% service fee applies.
$100,001 - $500,000 7.6% - 8.1% 7.9% - 8.4% 7.5% - 8.0% Benefit from our competitive 0.5% processing charge.
$500,001 - $1,000,000 7.8% - 8.3% 8.1% - 8.6% 7.7% - 8.2% A modest 0.5% origination fee is required.
Above $1,000,000 8.0% - 8.5% 8.3% - 8.8% 7.9% - 8.4% Experience transparent pricing with a 0.5% administrative cost.

*An additional 0.05% discount is available for female applicants. Rates are subject to change based on credit score, property location, etc.

Apply for Home Loan

Start your journey to home ownership today

A mortgage specialist will contact you within 24 hours to guide you through the next steps

Home Loan FAQs

Common Questions about Home Loans & Mortgages

For a complete application with all documents, the typical processing time is 7-10 working days for loan approval. Disbursement takes an additional 3-5 days after property verification and legal checks are completed.

The maximum home loan amount depends on your income, existing obligations, property value, and credit score. Generally, you can get up to 80-90% of the property's market value or up to 60 times your monthly income, whichever is lower.

Fixed rates remain constant throughout the loan tenure, providing payment stability. Floating rates change based on market conditions (like RBI repo rate changes). We offer both options, and our advisors can help you choose based on your risk tolerance and market outlook.

Yes, we offer home construction loans where the amount is disbursed in stages as the construction progresses. We require approved building plans, commencement certificate, and stage-wise verification before each disbursement.

Under Section 24(b) of the Income Tax Act, you can claim deduction of up to $2,000 on interest paid annually. Under Section 80C, you can claim deduction of up to $1,500 on principal repayment. Additional deduction of $500 is available for first-time home buyers under Section 80EEA.

Yes, we allow prepayment of home loans. For floating rate loans, you can make unlimited prepayments without any charges. For fixed rate loans, a prepayment charge of 2% may apply if prepaid within the first 3 years.

Ready to Own Your Dream Home?

Our mortgage experts are ready to assist you in finding the best home loan solution with optimal rates and terms.

Contact: +86 +86 178 4149 3373 Book a Consultation