Home finance & insurance in one advisory
Compare home-loan offers from top banks and NBFCs, plus loan-secure insurance to protect your EMIs.
Why choose PolicyFacts for housing & property loan?
A home loan is a 20-year decision — a 0.25% rate difference is worth ₹4–6 lakh over its life. We compare offers from 15+ banks and NBFCs, negotiate on your behalf and bundle a loan-secure term cover so a difficult year never puts the roof at risk.
- Rates from 8.35% p.a. — 15+ lenders compared side-by-side
- Balance transfer & top-up assistance
- Loan-secure term cover bundled at cost
- End-to-end documentation & sanction support
What's covered
Every detail that matters, handled.
Features we insist on before recommending any housing & property loan plan.
Best-rate guarantee
Rates from 8.35% p.a. — if you find lower, we'll match or better it.
15+ lenders
HDFC, SBI, ICICI, Axis, Bajaj, LIC HFL and more — one application, all quotes.
Loan up to ₹5 Cr
Salaried, self-employed and NRI eligibility — up to 90% LTV on select properties.
Zero paperwork chase
Doorstep document collection and digital sanction — you don't visit any branch.
Balance transfer
Move existing loans to a lower rate; we handle foreclosure and re-documentation.
Loan-secure cover
A reducing-balance term plan that pays off the outstanding loan if the borrower isn't around.
Plans
Transparent tiers, honest recommendations.
Indicative pricing. Actual quotes depend on requirements and profile — we'll walk you through it in a 15-minute call.
Standard Home Loan
For ready & under-construction homes.
from 8.35% p.a.
- Up to 90% property value
- Tenure up to 30 years
- Zero prepayment penalty on floating
- Digital sanction in 48 hrs
Balance Transfer
Lower EMIs on existing loans.
Save up to 0.75%
- Top-up loan up to ₹1 Cr
- No branch visits required
- Legal & technical fee waiver
- Foreclosure paperwork handled
Plot + Construction
For self-build projects.
from 8.65% p.a.
- Staged disbursement
- Architect certificate support
- Tenure up to 25 years
- PMAY subsidy assistance
From quote to assistance, in 4 simple steps.
No hidden calls, no pushy sales. A calm, senior advisor walks you through every stage.
Eligibility check
Salary slips, ITR and property location — soft check, zero CIBIL impact.
Lender shortlist
Compare sanction letters from top 3 banks with final ROI and processing fees.
Legal & technical
Bank panel lawyers verify property papers; our advisors assist with discrepancies.
Sanction & disbursal
Demand-letter based disbursal with bundled loan-secure cover.
Common questions
Answers before you have to ask.
Still have questions? A senior advisor will call you back within the hour, on your preferred number.
Request a callbackFloating vs fixed rate?
Floating rates (EBLR/RLLR linked) are lower today and come with zero prepayment penalty by RBI mandate. We recommend floating for 95% of buyers.
Can I get a loan on an unapproved property?
Most Tier-1 banks require clear RERA/municipal approvals. We help identify lenders who finance Gram Panchayat or B-Khata properties under structured schemes.
Protect What Matters Most
Speak with our insurance experts today and receive personalised guidance without any obligation.