✓ Authorised DSA Partner
Home Loan
State Bank of India Home Loan
SBI offers India’s most trusted home loans with competitive rates, flexible tenure up to 30 years, and simplified documentation for all borrower profiles.
7.25%–8.70%
Interest Rate (p.a.)
₹10L – ₹10Cr
Loan Amount
Up to 30 Years
Max Tenure (Age 70)
0.35% + GST
Processing Fee
NIL
Prepayment (Floating Rate)
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Prepayment
🏠 SBI Home Loan
7.25% – 8.70%
₹10L – ₹10Cr
0.35% (Min ₹2,000 – Max ₹10,000 + GST)
Up to 30 Years
NIL (Floating Rate)
🏗️ SBI Home Loan – Under Construction
~7.25% – 8.70%
₹10L – ₹10Cr
0.35% (Min ₹2,000 – Max ₹10,000 + GST)
Up to 30 Years
NIL (Floating Rate)
🔑 Home Loan Balance Transfer
7.25% Onward
₹10L – ₹10Cr
0.35% + GST
Residual Tenure
NIL (Floating Rate)
🏘️ Affordable Housing Loan
7.25% – 8.00%
Up to ₹35L (PMAY linked)
0.35% + GST
Up to 30 Years
NIL
📑 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
State Bank of India LAP
Unlock the equity in your property with SBI’s Loan Against Property — competitive rates, high LTV up to 75% and flexible end-use.
9.20%–10.75%
Interest Rate (p.a.)
₹10L – ₹7.5Cr
Loan Amount
5 – 15 Years
Tenure
1% (Max ₹50,000 + GST)
Processing Fee
Up to 65–75%
Max LTV
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Prepayment
🏢 LAP – Residential Property
9.20% – 10.75%
₹10L – ₹7.5Cr
1% (Max ₹50,000 + GST)
5 – 15 Years
NIL (Floating)
🏬 LAP – Commercial Property
~9.50% – 10.75%
₹10L – ₹7.5Cr
1% (Max ₹50,000 + GST)
5 – 15 Years
NIL (Floating)
🔄 LAP Balance Transfer
9.20% Onward
As per valuation
1% (Max ₹50,000 + GST)
Residual Tenure (Min 5 Yrs)
NIL (Floating)
📑 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 – SBI 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: 650+
- Employment: Min. 2 years (3 years for SEP/business)
- Property in SBI-approved locations / jurisdictions
🏢 Loan Against Property
Eligibility – SBI Loan Against Property
- Salaried, Self-Employed or Business Owner
- Age: 21–70 years
- Min. income: ₹25,000/month
- CIBIL Score: 700+
- Clear property title in borrower’s name
- Property: Residential or Commercial (LTV up to 65–75%)
Why SBI
Key Benefits
Unmatched advantages that make SBI the most trusted bank for home and property loans across India.
Government-Backed Trust
India’s largest public sector bank — backed by Government of India for unmatched reliability.
Digital Process
Fully online application via YONO app with e-KYC, auto-document verification and digital signing.
Lowest Home Loan Rates
Home loan rates starting at just 7.25% p.a. — among the lowest in India’s banking sector.
Transparent Pricing
No hidden charges. All fees disclosed upfront — processing, legal, and valuation are clearly stated.
Pan-India Presence
Over 22,000+ branches and 65,000+ ATMs — the largest banking network in India for easy access.
75+ Years Legacy
Serving India since 1955 — the most trusted name in Indian banking with 500 million+ customers.
Why Apply Through Us
Your Advantage with Us
We’re an authorised SBI 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+ banks so you always land the best rate, not just SBI’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
Fill the form below — our loan expert will call you within 30 minutes.
Let us get you the best loan deal
No obligation. No spam. Just a quick call from our certified loan advisor.
- ✓ 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 State Bank of India 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 the respective bank or 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 SBI’s internal credit policy. All loan applications are subject to SBI’s standard credit assessment. We do not charge any fee from borrowers. Please read all loan documents carefully before signing.
Common Questions
Frequently Asked Questions
SBI generally requires a minimum CIBIL score of 650 for home loans and 700 for LAP. A score of 750+ improves your chances of getting the lowest interest rate. If your score is below 650, we can guide you on improving it before applying.
SBI 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 — often getting approvals faster for eligible applicants.
Yes. SBI offers an Under Construction Home Loan product. 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.
Yes. SBI offers dedicated NRI Home Loan schemes for Non-Resident Indians to purchase or construct property in India. Loan repayment must be through NRE/NRO accounts. We assist NRI clients with end-to-end documentation and the complete application process.
No. As per RBI guidelines, there is no prepayment penalty on floating rate loans from SBI. SBI home loans are primarily offered on floating (EBLR-linked) rates, so prepayment and part-payment are completely free at any time.
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.
SBI offers LTV (Loan-to-Value) of up to 65% for commercial properties and up to 75% for residential 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.