Key Loan Terms & Parameters
Interest Rates
8.4% - 11.5% p.a.
Max Loan Amount
Up to ₹5 Cr
Loan Tenure
5 to 30 Years
Processing Fee
0.5% or ₹10,000 (whichever is lower)
Eligibility Criteria
Lending partners verify these criteria during physical or telephonic authentication:
- Age: 18 to 70 years at maturity
- Employment: Salaried, Self-employed, or Professionals
- Min. Net Monthly Income: ₹30,000 (Salaried), ₹40,000 (Self-employed)
- Min. CIBIL Score: 750+ (gives access to lowest rates)
Required Documents Checklist
No File Uploads Needed: Perfect Lender is purely informational and referral. We will never ask you to upload PAN, Aadhaar, or statements on this website. Keep these copies ready for bank agents when they visit or contact you.
- Identity and Address Proof (Aadhaar, PAN, Passport)
- Income Proof: Last 3 months salary slips, 6 months bank statement showing salary credit
- ITR and Form 16 for last 2 years
- Property Documents: Buyer agreement, Sale deed, Land tax receipts, Builder NOC, Approved map plan
Lender Rates Comparison (5 Partners)
| Bank / Partner | Featured Rate (p.a.) | Processing Fee Estimate |
|---|---|---|
| HDFC Bank | Starting 8.4% | 0.5% or ₹10,000 (whichever is lower) |
| ICICI Bank | Starting 8.5% | 0.5% or ₹10,000 (whichever is lower) |
| State Bank of India (SBI) | Starting 8.35% | 0.5% or ₹10,000 (whichever is lower) |
| Axis Bank | Starting 8.6% | 0.5% or ₹10,000 (whichever is lower) |
| Tata Capital | Starting 9.25% | 0.5% or ₹10,000 (whichever is lower) |
Calculate Home Loan EMI
Loan Amount (₹)₹50,00,000
₹1,00,000₹5,00,00,000
Interest Rate (% p.a.)8.4%
5.0%25.0%
Tenure (Years)20 Years (240 Mos)
1 Year30 Years
Estimated Monthly EMI
₹43,075
Total Cost₹1,03,38,054
Principal₹50,00,000
Interest Cost₹53,38,054
Have Questions?
Speak directly to our referral desk. We coordinate with HDFC, ICICI, SBI, and other partners to resolve your queries instantly.