Property Loans & Home Loan Assistance — Delhi NCR

Own your home.
On your terms.

UniqProps — competitive home loans with zero hidden charges, 72-hour approvals, and dedicated support across Delhi NCR.

Calculate EMI

₹38K⁺Cr

Disbursed

3.2L⁺

Families

280⁺

Cities

18^yr

Since 2006

8.50%

p.a. onwards

₹2.67LPMAY Subsidy
Available

Loan Products

Home Loan

Purchase, construct or transfer residential property anywhere in India.

8.50% p.a.

Balance Transfer

Move existing home loan to UniqProps — lower rate, better service.

8.40% p.a.

Plot + Construction

Finance land + construction with tranche-based disbursal.

8.65% p.a.

Home Improvement

Renovate, extend or modernise your home. Quick approval.

9.00% p.a.

Loan Against Property

Unlock funds by mortgaging your residential property.

9.50% p.a.

NRI Home Loan

Tailored financing for NRIs and PIOs buying in India.

8.70% p.a.

PMAY Loan

Govt. subsidy up to ₹2.67L under Pradhan Mantri Awas Yojana.

6.50% p.a.

PMAY

Top-Up Loan

Additional funds over your existing UniqProps home loan balance.

8.90% p.a.

Interest Rates — Effective 19 Jul 2026 Floating · Linked to RBI Repo Rate (6.50%)

Loan Type	Category	vs. Market	Our Rate	Processing Fee	EMI / ₹1 Lakh
Home Loan	Salaried — CIBIL 750+	SBI 9.15% / HDFC 8.75%	8.50%BEST	0.50% (min ₹10K)	₹769
Home Loan	Salaried — CIBIL 700–749	ICICI 8.85%	8.75%	0.50%	₹787
Home Loan	Self-Employed Professional	Axis 9.00%	8.85%	0.75%	₹794
PMAY — EWS/LIG	All Eligible Borrowers	Same as SBI	6.50%PMAY	Nil	₹745
PMAY — MIG-I	Income ₹6L–₹12L / yr	—	8.00%PMAY	Nil	₹836
NRI Home Loan	NRI / PIO Salaried	HDFC 8.85%	8.70%	1.00%	₹880
Loan Against Property	Residential Property	—	9.50%	1.00%	₹1,044
Balance Transfer	Any Category	SBI 9.15%	8.40%BEST	0.25%	₹754

*Rates at reducing balance. Processing fee non-refundable. GST applicable. Final rate depends on CIBIL, LTV & income. Subject to credit appraisal.

EMI Calculator

All values in Indian Rupees (₹). Adjust sliders to plan your repayment.

Loan Amount₹50 L

₹5 L₹5 Cr

Interest Rate p.a.8.50%

6%16%

Tenure20 Years

1 Yr30 Yrs

Down Payment20%

10%50%

Income Tax Benefits (Old Regime)

Sec 24(b): Up to ₹2 Lakh/yr on interest paid

Sec 80C: Up to ₹1.5 Lakh/yr on principal repaid

Sec 80EEA: +₹1.5 Lakh for first-time buyers

Monthly EMI

₹43,391

Reducing balance · Principal + Interest

Principal₹40 L

Down Payment₹10 L

Total Interest₹54.14 L

Total Payable₹1.04 Cr

Est. Tax Saving/yr₹1.05 L

How It Works — 5 Steps to Your Home

Apply

10-min digital form. No branch visit.

CIBIL Check

Instant soft check — zero score impact.

Upload Docs

Aadhaar, PAN, ITR & property papers.

Verify

Legal & property valuation in 5–7 days.

Disburse

Funds credited directly to seller/builder.

Eligibility & Requirements

Basic Eligibility

Indian Resident, NRI, or Person of Indian Origin (PIO / OCI)

Age 21–70 years at loan maturity (salaried); 23–65 years (self-employed)

Minimum 2 years continuous employment or 3 years in business

Applicant must be property owner or co-owner

Joint application with spouse or blood relative permitted

CIBIL / Credit Score

Minimum CIBIL Score: 700 (salaried), 720 (self-employed)

No active default on any loans or credit cards

No write-offs or NPA status in last 3 years

New-to-credit applicants considered case-by-case

Soft check at pre-approval — does NOT affect your score

Income Requirements

Salaried: Minimum ₹25,000/month in-hand (₹40K in metros)

Self-Employed: ITR income ≥ ₹3 Lakh/year (3-year average)

Govt/PSU employees: Income relaxation available

Rental, agricultural & pension income considered

FOIR must be below 55% of gross monthly income

Down Payment & LTV

Loans ≤ ₹30 Lakh: Up to 90% LTV (10% own contribution)

Loans ₹30L–₹75L: Up to 80% LTV (20% own contribution)

Loans > ₹75 Lakh: Up to 75% LTV (25% own contribution)

Down payment from own savings — not another loan

Gift from immediate family acceptable with affidavit

Property Requirements

RERA-registered projects preferred (mandatory in most states)

Legal title must be clear — verified by our advocate

Under-construction: Builder must be on our approved list

Age of resale property must not exceed 40 years

NRI loans for India-based properties only

Documents Required

KYC: Aadhaar Card + PAN Card (mandatory for all borrowers)

Income Proof: Last 3 months salary slips or 2 years ITR

Bank Statements: Last 6 months (salaried) / 12 months (self-employed)

Property Docs: Sale deed, approved plan, NOC, RERA certificate

Address Proof: Aadhaar / Passport / Utility bill (≤ 3 months old)

Government Schemes & Subsidies

PMAY — CLSS

Credit Linked Subsidy up to ₹2.67 Lakh under Pradhan Mantri Awas Yojana for EWS/LIG/MIG.

PMAY Eligible

EWS / LIG Category

Annual income up to ₹6 Lakh (EWS) or ₹12 Lakh (LIG) qualifies for subsidised 6.5% rate.

Subsidy Available

PMAY — Gramin

Up to ₹1.5 Lakh govt. assistance for rural homebuyers with relaxed documentation norms.

Rural Scheme

NHB Refinance

National Housing Bank provides additional refinance support, reducing your effective rate.

NHB Backed

State Schemes

Special schemes via MHADA, GMADA, TNHB, KSPHC & other state housing boards.

State Benefits

SC / ST Benefits

Special interest concessions and zero processing fees for SC/ST home loan applicants.

Fee Waiver

Customer Stories 3.2 Lakh+ families housed

"UniqProps ne mera PMAY loan bahut aasani se process kiya. ₹2.5 lakh ki subsidy mili aur apna pehla ghar Mumbai mein mila."

Ramesh Gupta

PMAY Loan — Vasai, Mumbai

"NRI in Dubai. UniqProps' team handled everything remotely — fully digital. Loan disbursed in under 3 weeks."

Pradeep Nair

NRI Home Loan — Kochi, Kerala

"Most banks rejected me as self-employed. UniqProps assessed my ITR carefully and approved ₹75 lakh."

Ananya Desai

Self-Employed — Pune

"Balance transfer saved ₹4,200/month. Fully digital — uploaded docs, approved in 5 days."

Suresh Sharma

Balance Transfer — Gurgaon

"Pre-approval in 24 hours. Entire loan closed in 18 days. Outstanding RM support."

Dr. Meera Pillai

Govt. Employee — Thiruvananthapuram

"First-time buyers. RM explained every step — RERA, legal, all fees upfront. Full transparency."

Vijay Reddy

First-Time Buyer — Hyderabad

Frequently Asked Questions

What is the maximum loan amount?

We offer home loans from ₹5 Lakh to ₹10 Crore. LTV: 90% for loans ≤₹30L, 80% for ≤₹75L, 75% above ₹75L as per NHB guidelines.

How is the interest rate calculated?

Floating rates linked to RBI Repo Rate (EBLR). Fixed-rate options for 3–5 year initial periods. All on reducing balance.

What is PMAY and am I eligible?

PMAY offers subsidy up to ₹2.67L for first-time buyers. EWS/LIG get 6.5%; MIG-I gets 4%; MIG-II gets 3%. You must not own a pucca house. Contact RM to verify.

What documents are required?

Aadhaar + PAN (mandatory), 3 salary slips or 2 years ITR, 6–12 months bank statements, sale deed, RERA certificate, and NOC.

Can I prepay without penalty?

Yes. Per RBI/NHB rules, zero prepayment penalty on floating-rate home loans for individuals. Lump-sum or full foreclosure anytime.

How long does approval take?

Pre-approval: 24–72 hours. Full sanction + verification: 7–15 working days. Disbursement: 2–5 days after sanction letter.

What CIBIL score do I need?

Minimum 700 for salaried, 720 for self-employed. Scores 750+ attract the best rates. New-to-credit cases considered individually.

Can I apply jointly with my spouse?

Yes. Each co-borrower can claim ₹2L under Sec 24(b) and ₹1.5L under Sec 80C independently. Female co-applicants get 0.05% rate concession.

Talk to an
expert.

Our Relationship Managers are available Mon–Sat, 9 AM–7 PM IST across 420+ branches in India.

Phone

+91 88007 07381

hello@uniqprops.in

Office

Noida, Delhi NCR, India

Send a query