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Home Loans
starting at 8.65% p.a.

Hurry! Limited period offer
*T&C Apply

Apply now

Apply Online Home Loan - Kotak Bank
  • Features
  • Eligibility
  • EMI Calculator
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  • Balance Transfer

Home Loan 

 

You can now make your dream home a reality, with home loans in India. All top financial organizations provide their customers with the facility of borrowing home loans.

So, what is home loan? A home loan or housing loan, also known as home finance or housing finance is a secured type of loan borrowed for property purchase. The purchased property itself is provided as the housing loan collateral. Home buyers apply for home loan to mainly ease their financial burden, and online home loan process has made it convenient for all.

Despite the fact that home loans are now a commonplace service at all established financial institutions, it is crucial to conduct a thorough research before you apply for home loan. Understand the benefits, rate of interest and other important fees before starting the process. All these things have a long-term impact on your overall repayment schedule.

Features and Benefits of a Home Loan

Getting adequate home loans in India is a challenging process. That’s why, to be able to get a great home loan deal, you need to first understand the home loan benefits. It will also help you understand what to expect from your home loan.

Kotak Mahindra Bank offers an online home loan with low-interest rates. Moreover, Apply for a Kotak Mahindra Bank home loan online or by visiting your nearest branch.

Key benefits of the online home loan from Kotak Mahindra Bank:

Minimal Processing Fee
Minimal Processing Fee

With Kotak housing finance, enjoy minimum processing fee.

Easy Documentation
Easy Documentation

Kotak home finance is quick and easy, all thanks to our minimal documentation.

Doorstep Services
Doorstep Services

Enjoy doorstep services with Kotak Mahindra Bank’s house loan. 

Home Loan Insurance
Home Loan Insurance

Affordable home loan insurance premiums is another great advantage.

Home Loan EMI Calculator

Make an informed decision with Kotak Bank’s Home Loan EMI Calculator. A user-friendly tool, it helps you with crucial details like home loan amount, home loan interest rates, home loan tenure and a lot more.

Calculate EMI

Home Loan Interest Rate

Interest rate is important when you apply for home loans in India. Your home loan interest rate can affect the overall EMI that you have to pay. So, it is advisable to keep it in mind whenever you are applying for a housing loan. With Kotak’s house loan you can get an attractive interest rate starting at 8.30%. Here’s more:

 

PRODUCT APPLICANT RATE OF INTEREST

Home Loan

Salaried

8.65% - 9.35% p.a.

Self-employed

8.75% - 9.45% p.a.

Home Loan Balance Transfer

Salaried

8.65% onwards

Self-employed

8.75% onwards

 

To know what interest rate you have to pay on your home loan, you can refer to our home loan EMI calculator.

How to Apply for Home Loan Online?

So how to get a home loan? You can now apply for home loan with Kotak’s easy and quick online process that makes housing finance in everybody’s reach.

commercial bank

Step 1: Home Loan Application

For home loan, apply online through Kotak website. You can even visit your nearest branch.

Home Loan with Easy Documentation

Step 2: Processing Documents

Simply provide us with the necessary housing loan documents that are easy to get.

Home Loan Advisor

Step 3: Home Loan Approval

Instant home loan approval is possible with Kotak’s online process.

Quick Home Loan Approval

Step 4: Confirmation Letter Processing

Documents are immediately processed on housing loan approval.

Home Loan Eligibility

 

Before applying for a home loan, make sure you check your home loan eligibility. Once you fit the house loan criteria, it is easier for you to avail of a home loan. Kotak Mahindra Bank has a simple house loan requirement for its borrowers. Take a look.

 

Criteria
Salaried
Self-Employed

Age

18-60 years

18-65 years

Minimum Income

Residents of Delhi, Chennai, Bangalore, Mumbai, Pune: Rs. 20,000/month

Other cities: Rs. 15,000

Residents of Delhi, Chennai, Bangalore, Mumbai, Pune: Rs.240000/- p.a.

Other cities: Rs.180000/- p.a. 

Minimum Qualification

Bachelor’s Degree

NA

 

For best home loan, apply online via Kotak Bank’s website.

 

Home Loan Documents

Documentation is an important aspect when it comes to home loans. A simple and minimal home loan documentation process at Kotak Mahindra Bank makes it convenient for borrowers to apply for home loan. Take a look at this quick documents list for a house loan in India:

  • Identity Proof
  • Income Proof
  • Age Proof: PAN card, Voter ID, Aadhaar Card, Passport, Driving License
  • Address Proof: Aadhaar Card, Passport, Voter ID, Driving License
  • Banking information
  • Relationship Proof
  • Proof of educational qualification

For a home loan, apply online now.

Apply now

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