Lowest Interest Rate From 8.40% p.a.

Home & LAP Loans — Own Your Dream Home or Unlock Property Value

Whether purchasing your residential dream property, constructing a home, or unlocking liquid capital via Loan Against Property (LAP) — access 40+ leading banks & NBFCs with maximum funding and rapid sanctions.

Up to 90% Property Cost
Tenure up to 30 Years
Balance Transfer + Top-Up
View Eligibility & Checklist FAQs

Get Home / LAP Loan Quote

Compare interest rates across 40+ banks & receive instant sanction estimate.

8.40%*

Interest Rate Starting

90%

Max Property LTV Funding

30 Years

Maximum Repayment Tenure

40+

Partner Banks & HFCs

Product Overview

Choose Between Home Loan & Loan Against Property

We assist you with customized sanctions tailored to your exact property situation.

Home Loans

For purchasing, constructing, or extending a residential home

  • Lowest Interest Rates: Starts at 8.40% p.a.
  • Tax Benefits: Deductions under Section 80C (Principal) & Sec 24(b) (Interest)
  • High LTV: Up to 75% to 90% of the total agreement value
  • Repayment: Ultra-long tenures up to 30 years for minimal EMI burden
Request Home Loan Quote

Loan Against Property (LAP)

Mortgage your existing property to raise high-value business/personal cash

  • Multi-Purpose Usage: Business expansion, debt consolidation, wedding, or education
  • Cheaper than Unsecured Loans: Interest starts around 9.25% - 10.50%
  • Eligible Collateral: Residential, Commercial shops/offices, and Industrial units
  • Tenure: Flexible repayment up to 15-20 years with loan amounts up to ₹15 Crores
Request LAP Quote
Simple Approvals

Eligibility Criteria & Transparent Documentation

Age 21 to 65 years. Minimum monthly salary of ₹20,000. 1+ year total job experience. Required: 3 months salary slips, 6 months bank statement, Form 16 / ITR, PAN & Aadhaar.

Age 23 to 70 years. Business vintage of 2+ years. Required: Last 2-3 years audited ITR with computation, P&L and Balance Sheet, 1 year operative bank statement, GST returns, Business registration proof.

Sale deed / Title deed, Chain deeds (last 13-30 years), Approved building plan, Latest property tax paid receipt, Non-encumbrance certificate (NEC), and Possession certificate or allotment letter.

Why Process with Just Digital?

We act as your dedicated mortgage advisor, comparing terms and sanctioning through top lenders with preferential rates.

0 Doorstep Fee
Free document pick-up and legal advice
Fast Sanctions
In-principle approvals within 48 hours
High Valuation
Maximum property evaluation through empanelled valuers
Low Processing
Waived or discounted bank processing charges
Simple Process

How Your Home / LAP Loan Gets Approved

Simple 4-step digital-assisted sanction process

1
Submit Quote

Fill your contact and loan requirement in the quote form above in under 30 seconds.

2
Expert Consultation

Our senior mortgage specialist compares multiple bank schemes and collects soft KYC.

3
Legal & Valuation

Bank empanelled advocates & valuers complete technical inspection without delays.

4
Sanction & Disbursal

Loan agreement signing and instant funds credited directly to builder, seller, or borrower.

Associated Lending Network

We Are Associated With All Major Bank & NBFC Companies

Get instant digital loan approvals, best-in-market interest rates, and swift disbursement through our verified network of leading Indian banking and non-banking financial partners.

NBFC
Aditya Birla
Personal & Business Loans
NBFC
Axis Finance
Competitive Interest Rates
NBFC
Bajaj Finance
Instant Digital Disbursal
Bank
Bandhan Bank
Affordable Retail Loans
NBFC
Chola Finance
Flexible EMI Solutions
Fintech NBFC
Finnable
Fast Salary Track Loans
NBFC
Fusion Finance Pvt Ltd
Micro & Small Enterprise Loans
Bank
ICICI Bank
Pre-approved Instant Loans
Bank
IndusInd Bank
Quick Processing & Limits
Bank
Kotak Mahindra Bank
100% Paperless Process
NBFC
Piramal Finance
Hassle-Free Approval
NBFC
Poonawala Fincorp
Transparent & Fast Payouts
Fintech NBFC
Prefr
Direct App Approval
NBFC
Tata Capital
Trusted Financial Solutions
Bank
Utkarsh Small Finance Bank
Retail & MSME Credit
Bank
Yes Bank
Flexible Tenure & Limits
Aditya Birla (NBFC)
Axis Finance (NBFC)
Bajaj Finance (NBFC)
Bandhan Bank (Bank)
Chola Finance (NBFC)
Finnable (Fintech NBFC)
Fusion Finance Pvt Ltd (NBFC)
ICICI Bank (Bank)
IndusInd Bank (Bank)
Kotak Mahindra Bank (Bank)
Piramal Finance (NBFC)
Poonawala Fincorp (NBFC)
Prefr (Fintech NBFC)
Tata Capital (NBFC)
Utkarsh Small Finance Bank (Bank)
Yes Bank (Bank)
Aditya Birla (NBFC)
Axis Finance (NBFC)
Bajaj Finance (NBFC)
Bandhan Bank (Bank)
Chola Finance (NBFC)
Finnable (Fintech NBFC)
Fusion Finance Pvt Ltd (NBFC)
ICICI Bank (Bank)
IndusInd Bank (Bank)
Kotak Mahindra Bank (Bank)
Piramal Finance (NBFC)
Poonawala Fincorp (NBFC)
Prefr (Fintech NBFC)
Tata Capital (NBFC)
Utkarsh Small Finance Bank (Bank)
Yes Bank (Bank)
100% RBI Regulated Entities
Direct Login & Fast Approvals
Secure & Paperless Documentation
Pan India Distribution
Got Questions?

Frequently Asked Questions

Everything you need to know regarding Home Loans and Property Mortgage

A Home Loan is exclusively taken to purchase, construct, or renovate a residential property, with funds disbursed to the builder or seller. A Loan Against Property (LAP) is an open-ended mortgage loan against an already owned residential or commercial property, where funds can be used freely for business expansion, debt consolidation, personal obligations, or higher education.

For Home Loans, banks provide up to 80% - 90% of the agreement value. For Loan Against Property, banks typically offer between 60% and 75% of the fair market value of residential property, and 50% to 65% for commercial/industrial properties, with sanction limits going up to ₹15 Crores subject to income eligibility.

Yes! Through Home Loan Balance Transfer (Refinancing), we help you transfer your high-rate home loan to top banks offering competitive interest rates starting from 8.40%, along with an additional high-value Top-Up loan at the same attractive interest rate.

Under Section 80C of the Income Tax Act, you can claim a deduction of up to ₹1.5 Lakhs annually on principal repayment. Additionally, under Section 24(b), you can claim up to ₹2 Lakhs deduction on interest paid for self-occupied residential property.

With soft documentation in order, in-principle sanction is delivered within 48 to 72 hours. Technical valuation and legal title verification take another 3 to 5 business days, after which funds are disbursed.

Ready to Sanction Your Home or Property Loan?

Request a free personalized bank quotation today. Zero consultation fee and expert doorstep assistance.

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