At Ambak, we assist you in comparing housing loan interest rates and other features from leading banks and Housing Finance Companies (HFCs), enabling you to apply online for the best option based on your credit profile.
Banks and HFCs offer home loans covering 75% to 90% of the property’s value, determined by the applicant’s credit profile and the LTV ratio limits imposed by lenders and the RBI. These loans may have repayment periods of up to 30 years.
- Check Eligibility - Know Your Power!
Unlock your home buying potential in just a few clicks.
- Get Best Offers - Compare & Conquer!
We find you the best rates from top lenders, all in one place.
- Get Disbursal - Keys in Hand, Stress Gone!
We handle the maze, you celebrate the milestone.
- Proven Expertise5,000+Loan applications processed nationwide
- Leading Loan Specialists1,000+Experienced loan partners across India
- Committed to You1,000+Happy homeowners across India
- Preferred by Top Lenders50+Collaboration with leading institutions
Get in touch with us.
- No More Delays, Get Your Loans QuickOur hassle-free home loan process makes getting approved a breeze.
- Expert & Dedicated Help At Every StepYour trusted team, from start to dream with your dedicated loan advisor.
- Low Interest Rates, Big SavingsGet personalized home loan matches from top lenders to fit your needs.
- Honest Loans, No SurprisesWhat you see is what you get. No hidden charges.
This loan is tailored for purchasing ready-to-move-in properties, under-construction homes, or pre-owned/resale properties. It also supports buying a residential plot with the option to build a house within a set timeframe.
Perfect for those aiming to buy a plot and construct a house on it. The initial loan disbursement covers the plot purchase, with future payments aligned with the construction stages.
Specifically designed for building a new house. Loan disbursements are made in phases, matching the progress of the construction.
This loan covers the costs associated with renovating or improving an existing home. Interest rates are generally the same as those for a standard home loan.
Ideal for homeowners looking to extend or add more space to their current home. Lenders usually finance 75% to 90% of the construction costs, depending on the loan amount and LTV ratio.
A short-term loan designed for individuals planning to purchase a new home with the proceeds from selling their current property. Interest Saver Loan: A home loan overdraft that links to the borrower’s bank account. Any extra funds deposited beyond the EMI are treated as prepayments, reducing the overall interest.
Offers lower EMIs in the initial years, with the flexibility to increase payments over time. This loan is particularly suitable for young professionals early in their careers.
Maintain a credit score of at least 750: Ensure timely payments and low credit utilization to reflect your creditworthiness.
Increase your income: Boost your repayment capacity by securing a higher-paying job, freelancing, or starting a side business.
Add a financially contributing family member as a co-applicant: This can increase your combined eligibility.
Reduce your debt: Lower your debt-to-income (DTI) ratio by paying off existing debts like Credit Card bills and Personal Loans.
Choose a lower Loan-to-Value (LTV) ratio: A lower LTV ratio decreases the loan amount, improving your chances of approval.
Save for a down payment: A larger down payment reduces the loan amount needed and lowers the lender's risk.
Compare home loan offers from multiple banks and HFCs: Find the best deal that suits your financial situation.
Keep your total EMIs, including the new home loan EMI, within 55-60% of your net salary: Ensure your overall debt burden is manageable.
Maintain a stable employment record: A consistent job history enhances your reliability in the eyes of lenders.
Avoid late payments: Timely payments protect your credit score and improve loan eligibility.
