How to Apply for Home Loan Online - E-Apply Home Loan | Kotak Mahindra Bank - Home Loan Stories
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With a home loan, you no longer need to save for years to afford a house. You can buy your dream house without creating a hole in the pocket. Moreover, with a seamless online interface that makes applying for a home loan easier, it isn’t necessary to visit the lender's branch multiple times to submit the application. You can easily apply for home loan right from the comfort of your house.

If you have been planning to avail a home loan, here are steps to e-apply for a home loan with Kotak Mahindra Bank.

What Is a Home Loan?

A home loan is a secured amount of money that you can avail from a bank or financial institution. You can repay the home loan amount in flexible tenure through Equated Monthly Instalments (EMIs).

Things You Should Do Before Applying for a Home Loan Online

Check Your Eligibility

Before e-applying, ensure that you check your eligibility with the help of an eligibility calculator. Home loan eligibility criteria include your age, occupation, income, fixed monthly obligation, etc. You must also check your credit score and ensure that it is above 700 if you wish to avail a home loan. Moreover, you can also check your likely EMI through a home loan EMI calculator by entering the loan amount, interest rates, and tenure.

Keep Documents Handy

One of the most common reasons for home loan rejection is incomplete documentation. Before applying for a home loan, ensure that you have scanned copies of documents required for home loan handy. You will need your identity and address proof, property documents, and income documents for a home loan.

Steps to E-apply for a Home Loan

  • Visit Kotak Mahindra Bank’s website and click on ‘Explore Products’ tab, hover over ‘Loans’ and select ‘Home Loan’ web page
  • Click on ‘Apply Now’ hyperlink
  • Enter your personal details like name, age, occupation, income, employment details, etc.
  • Enter your property details
  • Pay the application fee
  • Kotak Mahindra Bank’s relationship manager would call you to guide you on the approval and disbursement process
  • Upload the scanned copies of all the requisite documents
  • Click on submit and wait for approval

Benefits of Home Loan E-application

There are various benefits of applying for a home loan online. Some of these are -

Convenient and fast

It's easy and convenient to apply for a home loan online. The process is fast, and it saves your time and effort.


When you e-apply, you are asked to enter a One Time Password (OTP) which acts as an additional security step.

Minimal physical contact

You need not visit the branch repeatedly to complete the application process. It reduces physical contact, a crucial need in the current pandemic scenario. 

Before applying for a home loan online, ensure that you check your eligibility and submit updated documents. Also, you must carefully fill the application form, avoiding any spelling mistakes as it can cause problems in future. Head over to the Kotak Mahindra Bank’s website to apply for home loan today.

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Disclaimer: This Article is for information purpose only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. Bank make no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Newsletter. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from Kotak. Kotak, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein.