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TENB Fintech Private Limited, CIN: U62099HR2023PTC114628, Registered Office: 4th Floor, Rider House, Plot No. 136-P, Sector -44, Gurugram - 122003, Haryana, Tel No - +91-8058058009, Email ID: info@ambak.com

Easy Home Finance Home Loan

Easy Home Finance

Updated on 21 Jul 2026Written by Riddhi Chhajer,Fintech Program Manager & Strategist

Easy Home Finance Home Loans: Your Path to Homeownership in 2026

Easy Home Finance Limited is dedicated to making homeownership a reality for Indian residents and Non-Resident Indians (NRIs) across India. Our comprehensive range of Easy Home Finance Home Loans is meticulously designed to support your aspirations, whether you're looking to buy a new home, construct your dream property, extend an existing residence, improve your living space, or leverage your property with a Loan Against Property (LAP). We combine competitive interest rates with a streamlined, digital-first application process to ensure a swift and hassle-free experience.

Key Highlights of Easy Home Finance Home Loans

Interest Rates: Competitive rates ranging from 11% to 18% p.a.
Maximum Loan Tenure: Flexible repayment periods of up to 25 years.
Minimum Loan Amount: Accessible loans starting from Rs. 5 lakh.
Quick Processing: Loan approvals often within 72 hours.
Eligibility: Broad criteria for salaried and self-employed individuals aged 18-70 years.
Processing Fees: Transparent fees starting from up to Rs. 5,000.

Easy Home Finance Home Loan Features and Benefits

Competitive Interest Rates and Flexible Repayment

Easy Home Finance offers attractive home loan interest rates, currently ranging from 11% to 18% p.a., ensuring affordability for a wide spectrum of borrowers. Our loans come with a flexible maximum tenure of up to 25 years, allowing you to choose an EMI plan that comfortably fits your financial situation. The minimum loan amount available is Rs. 5 lakh, catering to diverse property values and financial needs.

Diverse Home Loan Products

We provide a variety of home loan options to suit every requirement:

Home Purchase Loan: For buying ready-to-move-in or under-construction residential properties.
Home Construction Loan: To finance the construction of a new house on a self-owned plot.
Home Extension Loan: For adding more space to your existing home, such as an extra room or floor.
Home Improvement Loan: To fund renovations, repairs, or upgrades to your current property.
Loan Against Property (LAP): Unlock the value of your existing residential or commercial property to meet various financial needs.
Home Loan Balance Transfer: Transfer your existing home loan from another bank to Easy Home Finance to potentially benefit from lower interest rates or better terms.

Swift and Seamless Digital Processing

Experience a truly modern loan application journey with Easy Home Finance. We prioritize quick, paperless processing, with many loan applications approved often within 72 hours of submission. Our digital application platform, complemented by dedicated doorstep services, ensures convenience from initial inquiry to final disbursement. This commitment to efficiency makes us an ideal choice for first-time homebuyers and those looking to upgrade their homes without unnecessary delays.

Flexible EMI Options

Manage your finances effectively with our convenient Equated Monthly Installment (EMI) options. Your Easy Home Finance home loan EMI payments typically commence from the month immediately following the loan disbursement, providing clarity and predictability in your repayment schedule.

Easy Home Finance Home Loan Eligibility Criteria

Easy Home Finance offers flexible eligibility criteria designed to accommodate a broad range of applicants. Key requirements include:

Age: Applicants must be between 18 and 70 years of age at the time of loan application.
Residency: Open to both Indian Residents and Non-Resident Indians (NRIs).
Employment Status: We welcome applications from both salaried individuals (with a stable employment history) and self-employed professionals/business owners (with a proven track record).
Credit Score: A healthy CIBIL score (typically 700+) is generally preferred as it reflects your creditworthiness and can influence loan approval and interest rates.
Income Stability: Applicants should demonstrate a stable and verifiable source of income to ensure repayment capacity.

Fees and Charges for Easy Home Finance Home Loans

Transparency in fees is a cornerstone of our service:

Processing Fees: Our processing fees are competitive, starting from up to Rs. 5,000.
Other Charges: Borrowers should also be aware of other standard charges associated with home loans, which may include stamp duty, legal fees, property valuation charges, and CERSAI charges, as applicable. Specific details will be provided during the application process.

Easy Home Finance Home Loan Application Process and Required Documents

Applying for an Easy Home Finance home loan is straightforward:

Online Application: Submit your initial application through our secure digital portal or visit a branch.
Document Submission: Our team will assist you in gathering and submitting the necessary documents.
Verification and Sanction: We conduct quick verification and property valuation, leading to a loan sanction.
Disbursement: Upon completion of legal formalities, the loan amount is disbursed.

Commonly required documents include (but are not limited to):

Identity Proof: PAN Card, Aadhaar Card, Passport, Voter ID.
Address Proof: Aadhaar Card, Passport, Utility Bills (electricity, water), Rent Agreement.
Income Proof (Salaried): Latest 3 months' salary slips, Form 16, IT Returns for the last 2-3 years, Bank statements.
Income Proof (Self-Employed): Business profile, Latest 3 years' IT Returns with computation of income, Balance Sheet and Profit & Loss A/c, Bank statements.
Property Documents: Sale Agreement, Title Deed, Approved Plan, NOC from builder/society (as applicable).
Other Documents: Completed application form with photograph, Cheque for processing fees.

Why Choose Easy Home Finance for Your Home Loan in 2026?

Easy Home Finance stands out as a reliable partner for your home loan needs. In 2026, we continue to build on our strong foundation, having recently seen a significant credit rating upgrade to 'IND BBB+'. This upgrade reflects our robust financial health and commitment to sustainable lending practices. Furthermore, our successful fund-raising initiatives, including investments from reputable institutions like Franklin Templeton, empower us to expand our reach and offer enhanced services. We are committed to providing transparent, efficient, and customer-centric home loan solutions, making us the preferred choice for aspiring homeowners across India.

Easy Home Finance Home Loan — Key FAQs

What are the interest rates for Easy Home Finance Home Loans and what factors influence them?

Easy Home Finance offers competitive home loan interest rates, currently ranging from 11% to 18% p.a. The final rate depends on your individual borrower profile, credit score, and the specific loan product chosen. We aim to provide affordable rates for a wide spectrum of borrowers.

What are the eligibility criteria for an Easy Home Finance Home Loan?

Easy Home Finance Home Loans are available for salaried and self-employed individuals, including Indian residents and NRIs. Applicants must be aged between 18 and 70 years. Your eligibility will also consider your income stability and creditworthiness.

What is the minimum loan amount and maximum tenure for Easy Home Finance Home Loans?

You can avail a minimum loan amount of Rs. 5 lakh with Easy Home Finance. We offer a flexible maximum loan tenure of up to 25 years, allowing you to choose a repayment plan that suits your financial situation. The maximum amount you qualify for depends on your eligibility.

What documents are required to apply for a home loan?

While specific documents vary based on your employment type (salaried or self-employed) and loan product, generally you will need identity proof, address proof, income documents, and property-related papers. Our loan advisors will provide a detailed list tailored to your application.

How is my EMI calculated, and how can I manage it?

Your Equated Monthly Instalment (EMI) is calculated based on your loan amount, interest rate, and chosen tenure. A longer tenure typically results in a lower EMI, offering more financial comfort. We help you choose an EMI plan that comfortably fits your financial situation.

Can I transfer my existing home loan to Easy Home Finance?

Yes, Easy Home Finance offers a Home Loan Balance Transfer facility. You can transfer your existing home loan from another bank to us to potentially benefit from lower interest rates or better terms. This can lead to significant savings over the loan tenure.

What is the typical loan approval and processing time?

Easy Home Finance prides itself on swift and seamless digital processing. Loan approvals are often completed within 72 hours. Transparent processing fees start from up to Rs. 5,000, ensuring a hassle-free experience.

Key Highlights of Easy Home Finance Home Loans

Easy Home Finance Home Loans: Features, Eligibility & Application in 2026

Achieve your dream of homeownership with Easy Home Finance. Our comprehensive home loan solutions are designed to be flexible, transparent, and tailored to your needs, whether you're buying a new home, constructing one, or looking to transfer your existing loan. Explore our key features and benefits for 2026 below, making your journey to a new home easier than ever.

Key Highlights of Easy Home Finance Home Loans

Competitive Interest Rates: Starting from 11.00% p.a., with options for floating, fixed, or semi-fixed rates.
Generous Loan Amount: Secure a home loan from Rs. 5 lakh up to Rs. 30 lakh, based on your eligibility and property valuation.
Flexible Tenure: Enjoy extended repayment periods of up to 25 years, designed to reduce your monthly EMI burden.
Swift Approval Process: Get your home loan approved quickly, typically within 72 hours to 5-7 working days.
Transparent Processing Fees: Fees up to Rs. 5,000 + administrative fee up to 2.5% (exclusive of GST).
Broad Eligibility: Applicants aged 18 to 70 years (at loan maturity) are welcome to apply.

Detailed Features & Benefits of Easy Home Finance Home Loans

Feature	Details for Easy Home Finance Home Loans
Interest Rates	Easy Home Finance offers competitive home loan interest rates ranging from 11.00% - 18.00% p.a. We provide flexibility with three main interest rate types: Floating Rate: Linked to an external benchmark (e.g., RBI Repo Rate or MCLR/EBLR), these rates adjust with market fluctuations. Fixed Rate: Your interest rate remains constant throughout the entire loan tenure, providing predictable EMIs. Semi-Fixed Rate: A hybrid option where the rate is fixed for an initial period (e.g., 2-5 years) and then converts to a floating rate. Your final interest rate is determined by factors such as your CIBIL score, loan-to-value (LTV) ratio, and overall applicant profile.
Loan Amount	Easy Home Finance provides home loans from a minimum of Rs. 5 lakh up to a maximum of Rs. 30 lakh. The actual loan amount sanctioned is based on your repayment capacity, the property's market value, and the bank's Loan-to-Value (LTV) norms, which typically cover 75-90% of the property's value. Higher loan amounts may be considered for specific schemes or applicant profiles.
Tenure	Enjoy flexible repayment periods of up to 25 years. The maximum tenure is subject to your age at loan maturity (not exceeding 70 years) and, for salaried individuals, your retirement age. A longer tenure generally results in lower Equated Monthly Installments (EMIs) but a higher total interest payout over the loan's lifetime.
Eligibility Age	Applicants must be between 18 and 70 years of age (at the time of loan maturity). For salaried individuals, the maximum age is often linked to their official retirement age. For self-employed individuals, the maximum age can extend up to 70 years, provided there is a stable income source.
Processing Fees	A processing fee of up to Rs. 5,000 is applicable, along with an administrative fee of up to 2.5% of the loan amount. Please note that these fees are exclusive of Goods and Services Tax (GST), which will be charged extra as per government regulations in 2026. These charges cover the costs associated with application processing, documentation, legal verification, and technical valuation of the property.
Approval Time	Easy Home Finance is committed to swift processing, with in-principle approval typically provided within 72 hours to 5-7 working days. The final sanction and disbursement are contingent upon the timely submission of all required documents and successful completion of all verification processes.
Documents Required	To apply for an Easy Home Finance home loan, you will need to provide the following comprehensive set of documents: KYC Documents: Aadhaar Card, PAN Card, Passport, Voter ID, Driving License (any two for identity and address proof). Income Proof: For Salaried Individuals: Latest 3 months' salary slips, Form 16 (latest 2 years), latest 6 months' bank statements (salary account). For Self-Employed Individuals/Professionals: Latest 3 years' Income Tax Returns (ITR) with computation of income, audited balance sheet & Profit & Loss account (if applicable), business profile, latest 12 months' bank statements (current and savings accounts). Residence Proof: Utility bills (electricity, water, gas) not older than 3 months, Aadhaar Card, Passport. Property Documents: Sale Agreement/Sale Deed, Occupancy Certificate (for ready-to-move properties). Approved building plan and construction estimate (for construction loans). Chain of title documents (previous property deeds for the last 10-15 years). No Objection Certificate (NOC) from builder/society (if applicable). Other Documents: Duly filled application form with recent photographs, cheque for processing fee.
Loan Types	Easy Home Finance offers a diverse range of home loan products tailored to various needs: Home Purchase Loan: For buying a new or resale residential property. Home Construction Loan: For building a house on a plot of land you already own. Home Extension Loan: For adding floors or rooms to your existing home. Home Improvement Loan: For renovating, repairing, or upgrading your existing home. Home Loan Balance Transfer: Transfer your existing home loan from another bank or financial institution to Easy Home Finance to benefit from lower interest rates or more favorable terms. Loan Against Property (LAP): While distinct from a traditional home loan, LAP allows you to leverage your existing property for business expansion, education, or other personal financial needs.
Repayment Options	Repay your Easy Home Finance home loan conveniently through Equated Monthly Installments (EMIs). Our primary repayment modes include: ECS (Electronic Clearing Service): Automated debit from your designated bank account. NACH (National Automated Clearing House): A modern, efficient system for automated payments. Post-Dated Cheques (PDCs): Accepted in specific cases where automated options are not feasible. Prepayment and Foreclosure: Easy Home Finance allows prepayment. For individual borrowers with floating rate home loans, there are nil prepayment charges as per Reserve Bank of India (RBI) guidelines. For other loan types or fixed-rate loans, part-prepayment is allowed, with nil charges for up to 25% of the principal amount repaid in a financial year. Full foreclosure charges may apply beyond this limit or for non-individual borrowers.

Easy Home Finance Home Loan Eligibility Criteria (2026)

To qualify for an Easy Home Finance home loan, applicants generally need to meet the following criteria:

Nationality: Indian Resident.
Age: 18 to 70 years (at the time of loan maturity).
Employment Type: Salaried individuals, self-employed professionals, and self-employed non-professionals.
Minimum Income: Varies based on city of residence and loan amount, but a stable and verifiable income source is crucial.
CIBIL Score: A healthy CIBIL score (typically 700 and above) is preferred for better interest rates and faster approval.
Work Experience:
- Salaried: Minimum 2-3 years of continuous work experience.
- Self-Employed: Minimum 3-5 years in current business/profession.
Debt-to-Income Ratio: Your existing loan obligations (including the proposed EMI) should not exceed a certain percentage of your net monthly income (typically 50-60%).

Easy Home Finance Home Loan Application Process

Applying for an Easy Home Finance home loan is a straightforward and transparent process designed for your convenience:

Step 1: Application Submission: Fill out the Easy Home Finance home loan application form, either online through our portal or offline at one of our branches. Submit it along with your recent photograph and an initial processing fee cheque.
Step 2: Document Submission: Provide all the necessary KYC, income, and property documents as detailed in our comprehensive checklist. Our loan advisors will assist you in ensuring all paperwork is complete.
Step 3: Verification & Valuation: Easy Home Finance will conduct thorough verification of your submitted documents, income stability, and the legal and technical aspects of the property you intend to purchase or construct.
Step 4: Sanction Letter Issuance: Upon successful verification and assessment of your eligibility, you will receive a formal sanction letter. This letter will clearly outline the approved loan amount, applicable interest rate, loan tenure, and all terms & conditions.
Step 5: Loan Disbursement: After you sign the loan agreement and complete all necessary legal formalities, the approved home loan amount will be disbursed directly to the seller or builder, or to your account for construction/improvement loans, as per the agreement.

Easy Home Finance Home Loan Interest Rates in 2026: Eligibility, Fees, and Application Process

Understanding Easy Home Finance Home Loans: Your Path to Homeownership

Easy Home Finance Limited, a leading Mumbai-based fintech lender, is dedicated to simplifying homeownership for underserved segments across India. Established with a vision to make housing finance accessible, we offer a comprehensive range of home loans for various needs, including purchasing ready or under-construction properties, constructing on owned plots, extending or improving existing homes, and even Loan Against Property (LAP) for personal or business needs.

Key Highlights of Easy Home Finance Home Loans

Loan Amounts: Loans start from Rs. 5 lakh, typically up to Rs. 30 lakh for standard home loans, aligned with property value and borrower capacity.
Flexible Eligibility: Inclusive criteria for salaried, self-employed, and NRIs, with co-applicant options to boost eligibility.
Tax Benefits: Potential annual savings of up to Rs. 2 lakh on interest (Section 24(b)) and Rs. 1.5 lakh on principal (Section 80C).
Digital-First Process: Tech-driven application via mobile app for tracking and EMI management.
Competitive Rates: Rates from 11.00% p.a., with concessions for women borrowers and no prepayment penalties on floating rates after initial period.
Diverse Loan Types: Solutions for purchase, construction, extension, improvement, and Loan Against Property.

As of October 2026, Easy Home Finance home loans are designed to be affordable and transparent. Our focus on tech-driven processes, including a user-friendly mobile app for tracking applications and EMIs, ensures a seamless experience. We also leverage partnerships, such as with BASIC Home Loan, for streamlined consultations and wider reach. Borrowers can significantly benefit from tax deductions under Section 80C (principal repayment) and Section 24(b) (interest paid) of the Income Tax Act, 1961, potentially saving up to Rs. 2 lakh annually on interest and Rs. 1.5 lakh on principal. For under-construction properties, disbursements are stage-wise, with pre-EMI interest applicable only on the undisbursed amounts. This structure makes Easy Home Finance home loans ideal for salaried professionals, self-employed individuals, and Non-Resident Indians (NRIs), with co-applicants (e.g., spouses, parents, siblings) encouraged to enhance eligibility and repayment capacity.

Current Easy Home Finance Home Loan Interest Rates and Calculation Methods (2026)

Easy Home Finance offers competitive interest rates for home loans in 2026, ranging from 11.00% to 18.00% per annum. These rates are dynamic and depend on several key factors, including your CIBIL score, income stability, loan-to-value (LTV) ratio, and the type of property. Borrowers with strong credit profiles (CIBIL scores above 750) and stable employment typically qualify for lower rates (around 11-13%), while self-employed applicants or those with lower CIBIL scores may be offered rates up to 18%.

Easy Home Finance provides various interest rate options:

Floating Interest Rate: Linked to an external benchmark (e.g., RBI Repo Rate or MCLR), these rates fluctuate with market conditions. They offer potential savings if interest rates fall.
Fixed Interest Rate: Your interest rate remains constant for the entire loan tenure, providing predictability in EMI payments.
Semi-Fixed Interest Rate: Offers a fixed rate for an initial period (e.g., 2-5 years), after which it converts to a floating rate.

Our methodology for determining interest rates considers various factors, including our operating costs, internal and external credit scores, cost of funds, and capital costs. For non-home loans like Loan Against Property (LAP), rates typically start from 14%.

All Easy Home Finance home loans are calculated using the reducing balance method on monthly rests. This means interest is charged only on the outstanding principal amount after each EMI payment, leading to significant savings over the loan tenure. For example, on a Rs. 20 lakh loan at 12% for 20 years, the estimated EMI is approximately Rs. 22,437. To plan your finances effectively, you can use the free EMI calculator available on the Easy Home Finance website or mobile app. Simply input your desired loan amount, tenure, and estimated interest rate to generate a detailed amortization schedule showing the principal-interest split for each EMI. Additionally, women borrowers may qualify for a 0.05-0.10% concession on interest rates in some cases, subject to policy variations. Interest rates are reviewed quarterly, so always check the official Easy Home Finance website for the most up-to-date information. While Easy Home Finance rates may be higher than traditional banks like HDFC (which start at 8.15%), we cater to a broader segment, including those with non-traditional incomes or slightly lower CIBIL scores, making homeownership accessible. Importantly, there are no prepayment penalties on floating rate home loans after 25% of the principal has been repaid, offering significant flexibility.

Easy Home Finance Home Loan Eligibility Criteria (2026)

Easy Home Finance is committed to inclusive eligibility criteria for its home loans. Applicants must meet the following general requirements:

Nationality: Indian residents or Non-Resident Indians (NRIs).
Age: Minimum 18 years at the time of application and maximum 70 years (or retirement age, whichever is earlier) at loan maturity.
Minimum Income:
- Salaried Individuals: Minimum monthly income of Rs. 15,000-20,000 (varies by location and city tier).
- Self-Employed Individuals: Minimum annual turnover of Rs. 2-3 lakh.

Key factors assessed for Easy Home Finance home loan eligibility include:

Income and Repayment Capacity: Your Debt-to-Income (DTI) ratio should ideally be below 50-60%. The income of a spouse or other family members can be considered if they are co-applicants, significantly boosting your eligibility.
Credit History: A CIBIL score of 650+ is preferred. While lower scores may still qualify, they might be subject to higher interest rates