✓ Authorised DSA Partner
Home Loan
Hero Housing Finance Home Loan
Hero Housing Finance offers competitive home loans with interest rates starting at 9.50% p.a., flexible tenure up to 30 years (salaried) / 20 years (self-employed), and fast digital approvals with transparent pricing.
9.50%–18%
Interest Rate (p.a.)
Up to ₹5Cr
Loan Amount
Up to 30 Years
Max Tenure
Up to 3%
Processing Fee
Up to 3%
Prepayment Charges
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Prepayment
🏠 Home Loan
9.50% – 18.00%
Up to ₹3Cr
Up to 3%
Up to 30 Years
Varies
🏗️ Under / Self Construction
9.50% – 18.00%
Up to ₹3Cr
Up to 3%
Up to 30 Years
Varies
🔑 Balance Transfer
9.50% Onward
Up to ₹3Cr
Up to 3%
Residual Tenure
Varies
🏘️ Affordable / Renovation / Plot Purchase
Starting 9.50%
Up to ₹3Cr
Up to 3%
Up to 30 Years
Varies
📑 Required Property Documents – Home Loan
Sale Agreement / Agreement to Sell
Title Deed / Sale Deed (chain of ownership)
Approved Building Plan from Authority
NOC from Builder / Housing Society
Property Tax Receipts (latest)
Occupancy Certificate (for ready property)
Encumbrance Certificate (last 13 years)
Allotment Letter (for under-construction)
Loan Against Property
Hero Housing Finance LAP
Unlock the equity in your property with Hero Housing Finance’s Loan Against Property — competitive rates from 10.00% p.a., high loan amounts up to ₹5 Crore, LTV up to 65% (residential) / 60% (commercial), and flexible end-use.
10%–25%
Interest Rate (p.a.)
Up to ₹5 Crore
Loan Amount
Up to 15 Years
Tenure
1%–3% + GST
Processing Fee
Up to 65% / 60%
Residential / Commercial LTV
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Prepayment
🏢 Residential LAP
10.00% – 25.00%
Up to ₹5 Crore
Up to 3%
Up to 15 Years
Varies
🏬 Commercial / Mixed-use LAP
Slightly Higher
Up to ₹5 Crore
Up to 3%
Up to 15 Years
Varies
🔄 Balance Transfer + Top-up
11.00% Onward
As per valuation
Up to 3%
Residual Tenure
Varies
📑 Required Property Documents – Loan Against Property
Ownership Proof (Sale Deed / Title Deed)
Property Valuation Report from Bank’s Empanelled Valuer
Chain of Documents (all prior sale deeds)
Encumbrance Certificate
Property Tax Receipts (latest)
Approved Building Plan / Layout Plan
NOC from Society / RWA (if applicable)
Rent Agreement (if rental income property)
Eligibility Criteria
Who Can Apply?
Select your loan type to view the relevant eligibility requirements.
🏠 Home Loan
Eligibility – Hero Housing Finance Home Loan
- Salaried or Self-Employed Indian Resident / NRI
- Age: 18–70 years (loan must close before age 70)
- Min. income: ~₹25,000/month (salaried)
- Min. CIBIL Score: 700+
- Employment: Min. 2 years (3 years for SEP/business)
- Property in Axis-approved locations / jurisdictions
- Approval Time: 3–5 working days
🏢 Loan Against Property
Eligibility – Hero Housing Finance LAP
- Salaried, Self-Employed or Business Owner
- Age: 21–70 years
- Min. income: ~₹30,000/month
- CIBIL Score: 700+
- Clear property title in borrower’s name
- Property: Residential or Commercial (LTV up to 65–70%)
Why Hero Housing Finance
Key Benefits
Unmatched advantages that make Hero Housing Finance a trusted choice for home and property loans across India.
Competitive Interest Rates
Home loan rates starting at 9.50% p.a. with a wide range of products across secured lending segments.
Fast Digital Processing
Modern digital loan processing and approvals with minimal paperwork and strong customer support throughout.
Retail & Secured Lending Focus
Strong presence in retail and secured lending with deep expertise in home loans and loan against property.
Flexible Repayment Options
Customisable EMI structures and flexible repayment options to suit diverse borrower profiles and income patterns.
High Loan Amounts for LAP
LAP up to ₹5 Crore with LTV up to 65% (residential) and 60% (commercial) for eligible borrowers.
Strong Customer Support
Dedicated relationship managers and post-disbursal support ensure a smooth borrowing experience end-to-end.
Why Apply Through Us
Your Advantage with Us
We’re an authorised Hero Housing Finance DSA partner — not a random aggregator. Here’s what you get.
Zero Cost Service
Our consultation, eligibility check, documentation support and follow-up is completely free of charge.
Complete Property Check
We verify legal paperwork, missing approvals, builder track record and hidden market value before you commit.
Direct Bank Access
Skip the queue — our direct bank relationship means faster processing and access to special rate offers.
Multi-Bank Comparison
We compare across 20+ lenders so you always land the best rate, not just Hero Housing Finance’s standard offer.
End-to-End Support
From application to disbursal and even post-loan queries — one point of contact for everything.
Data Privacy
Your documents and personal data are handled with bank-level confidentiality. Never shared without consent.
Apply Now
Get Your Free Consultation
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Let us get you the best loan deal
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- ✓ Free eligibility check in 2 minutes
- ✓ Zero documentation hassle
- ✓ Best rate negotiation on your behalf
- ✓ No hidden charges, ever
- ✓ Callback within 30 minutes
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⚠️ Important Disclaimer
We are an authorised DSA (Direct Selling Agent) partner of Hero Housing Finance and other lenders. We are not a direct lender and do not disburse loans ourselves. Our service is a free facilitation service to assist borrowers with their loan applications. Final loan approval, interest rates, loan amount, tenure, terms and conditions are solely at the discretion of Hero Housing Finance or the respective NBFC.
Interest rates, processing fees and eligibility criteria shown are indicative and subject to change at the time of sanction based on your credit profile, income, applicable RBI guidelines, and Hero Housing Finance’s internal credit policy. All loan applications are subject to Hero Housing Finance’s standard credit assessment. We do not charge any fee from borrowers. Please read all loan documents carefully before signing. Hero Housing Finance is an NBFC-HFC regulated by the National Housing Bank (NHB).
Common Questions
Frequently Asked Questions
Hero Housing Finance generally requires a minimum CIBIL score of 650+ for home loans and LAP. A score of 750+ improves your chances of getting the lowest interest rate. A score of 700+ improves your chances of getting the lowest interest rate. If your score is below the threshold, we can guide you on improving it before applying.
Hero Housing Finance typically approves home loans within 3–7 working days for complete applications. With our DSA assistance, we ensure all documents are in order to avoid delays and help you get the fastest possible approval.
Yes. Hero Housing Finance offers an Under Construction / Self Construction Home Loan. The loan is disbursed in tranches linked to construction stages. Interest is payable only on the disbursed amount during construction (Pre-EMI), and full EMIs begin after final disbursement.
A Loan Against Securities lets you borrow money by pledging your investments as collateral while retaining ownership. Hero Housing Finance offers LAS products for eligible borrowers. Please contact our advisor for current LAS terms and limits.
Hero Housing Finance charges up to 3% on prepayment. For floating rate home loans to individual borrowers, no prepayment charges apply as per RBI/NHB guidelines. Please check with our advisor for the latest prepayment terms applicable to your specific loan type.
For salaried applicants: PAN, Aadhaar, last 3 months’ salary slips, last 6 months’ bank statements, and Form 16. For self-employed: PAN, Aadhaar, last 2 years’ ITR, bank statements, and business proof. Additionally, property documents including sale deed, approved building plan, and encumbrance certificate are required.
Hero Housing Finance offers LTV (Loan-to-Value) of up to 65% for residential properties and up to 60% for commercial properties under LAP. The exact LTV depends on the property valuation, location, and your credit profile. The property must have a clear title and be free of any encumbrances.
Absolutely not. Our service is 100% free for borrowers. We earn a referral fee from the bank — not from you. There is no consultation charge, documentation charge, or any other fee from our side. You only pay the bank’s standard processing fee which is the same whether you apply directly or through us.