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Loan
Buying a home is, for most people, the single biggest financial commitment they’ll ever make. Go straight to one bank, and you will see one number. Work with R9 Wealth instead, and 20+ banks and NBFCs get compared side by side before anything gets signed – so the rate on the table is genuinely the best fit for that borrower’s profile, not just whatever the nearest branch happened to quote.
At R9 Wealth, we don’t just help you fill out a form. We sit down with your situation, match you with the right lender from a panel that includes Kotak Bank, Bajaj Finserv, IndusInd Bank, SBI, and others – and guide you through the entire process until the money hits your account.
A home loan is secured lending, plain and simple – the property being bought or built stands as security for the bank or housing finance company that funds it. Most of the property’s value is covered by the lender, and the rest is repaid through EMIs over a long stretch, often 15 to 30 years. Because there’s collateral involved, home loan interest rates sit far below what unsecured borrowing like personal loans or credit cards would cost.
Here’s where R9 Wealth typically steps in:
For short-term financial requirements, you can also explore our Personal Loan options
No two borrowers get the same home loan interest rate. Credit score, income, how much of the property’s value the loan covers, and the lender’s own pricing model all play a part. Even at the same bank, two applicants can walk away with different offers – which is exactly why it pays to shop around before signing anything.
Parameter | Indicative Range |
Interest Rate | 7.10%* to 13.00% p.a. (floating, benchmark-linked) |
Processing Fee | 0.25% to 1% of the loan amount |
Prepayment/Foreclosure | Nil on floating-rate loans for individuals, under RBI rules |
GST on Charges | As applicable per lender terms |
Nearly every home loan in India today is tied to an external benchmark, usually the RBI’s repo rate, through EBLR or RLLR pricing. The rate a borrower actually pays is that benchmark plus a spread the lender adds based on risk. So when the RBI moves the repo rate, floating home loan interest rates follow at the next reset.
A CIBIL score of 750 and above tends to unlock the best pricing available. Beyond that, a bigger down payment (which lowers the loan-to-value ratio), steady income, and a clean repayment record all help. Public sector banks generally advertise the lowest headline rates, though what an individual actually gets still comes down to their own profile. R9 Wealth runs that comparison across 20+ lenders before making a recommendation.
Criteria | What Is Required |
Citizenship | Indian Resident / NRI (per lender policy) |
Age | 21 to 65 years (at loan maturity) |
Employment | Salaried or Self-Employed |
CIBIL Score | 750+ preferred |
Income | Stable, with proof |
Property | Clear title, lender-approved |
For salaried applicants – assessed on net income, existing EMIs, age, and how many working years are left.
For self-employed applicants – need to show at least 2-3 years of business continuity, filed tax returns, and steady bank statements.
Every lender weighs these slightly differently, which is why R9 Wealth checks a profile against several before pointing to the best-fit option.
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Identity Proof – Aadhaar, PAN, Passport, Voter ID, or Driving License
Address Proof – Aadhaar, Passport, a recent utility bill, rental agreement, or Driving License
Income Proof
Property Papers – Sale agreement, title deed, approved building plan, builder/society NOC
PAN Card – required from everyone, no exceptions
R9 Wealth lays out exactly which documents a given lender will ask for, based on the property and the applicant’s profile, before the process even starts.
Along with home ownership, having reliable Health Insurance helps secure your financial future.
Step 1 – Share the basics: Name, income, property value, and the loan amount needed. Takes a couple of minutes.
Step 2 – Get checked for eligibility: R9 Wealth shortlists suitable offers from 20+ lenders. This is a soft check, so the CIBIL score isn’t touched.
Step 3 – Submit documents: KYC, income proof, and property papers go for legal and technical review.
Step 4 – Lender review and approval: The lender runs its credit check along with a legal and technical valuation of the property, then confirms approval and the rate.
Step 5 – Disbursement: Funds go out in full for a ready property, or in stages for one still under construction, straight to the seller or builder.
Feature | Home Loan | Loan Against Property | Personal Loan |
Collateral | The property being bought | An existing property | None |
Loan Amount | Up to ₹5 Crore or more | Depends on property value | Up to ₹40 Lakh |
Interest Rate | 7.10%-13.00% p.a. | 8%-12% p.a. | 10.5%-24% p.a. |
Tenure | Up to 30 years | Up to 15 years | 1 to 5 years |
Best for | Buying or building a home | Large sums at a low rate | Any personal need |
A single bank shows a single rate. R9 Wealth checks 20+ lenders instead, comparing rates, eligibility, and terms before an application ever goes in.
What R9 Wealth Does | Why It Matters |
Runs an eligibility check first | Keeps the CIBIL score untouched |
Compares 20+ lenders | Better rate, real EMI savings |
Assigns one dedicated loan expert | No handovers, no confusion |
Gives an upfront document checklist | No delays from missing paperwork |
Charges no hidden fees | Full cost transparency, from the start |
Lending partners include SBI, HDFC Bank, ICICI Bank, Kotak Mahindra Bank, Axis Bank, IndusInd Bank, IDFC First Bank, PNB, Canara Bank, Bank of Baroda, and more.
Besides investing in property, diversify your portfolio through Mutual Funds for long-term wealth creation.
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It’s secured lending from a bank or NBFC, used to buy, build, or renovate a residential property. The property itself is the collateral until the loan is cleared.
Rates start from around 7.10% p.a. at select public sector banks and can go up to roughly 13% p.a., depending on the lender and the applicant’s profile. Most loans are floating and follow the RBI’s repo rate.
750 or higher usually gets the best pricing. A lower score can still get approved, just typically at a higher rate.
The large majority of home loans in India are floating, tied to the RBI repo rate through EBLR or RLLR pricing. Rates shift at reset cycles whenever the benchmark moves. Fixed-rate options do exist but aren’t common for longer tenures.
Under RBI rules, floating-rate home loans held by individuals carry no prepayment or foreclosure charges. Fixed-rate loans may still have them, depending on the lender.
No – R9 Wealth’s check is a soft enquiry and leaves the score untouched. A hard enquiry only happens once a lender formally processes an application.
Yes, through a balance transfer to a lender with a lower rate, which can bring down either the EMI or the total interest paid over the remaining tenure.
No. R9 Wealth is a loan advisory and facilitation platform – it connects borrowers with banks and NBFCs and manages the process from start to finish. The actual approval decision always sits with the lending institution.
Interest rates are indicative and can change based on RBI guidelines and individual lender policy. Home loan approval depends on credit assessment, property verification, and the lender's own eligibility criteria. R9 Wealth works purely as a loan advisory and facilitation partner and is not a lender itself.
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At R9 Wealth, we provide personalised solutions for loans, insurance, mutual funds, and wealth management to help you achieve your financial goals.
01-041, First Floor MGF Metropolis Mall MG Road, Sector 28 Gurugram – 122002 India
Monday to Saturday: 9:00 AM - 6:00 PM Sunday: Closed
+91 99712 95533
info@r9wealth.com
Office Space Unit No. 01-041, MGF Metropolis Mall, Mehrauli Gurugram Road, Sector 28, Gurugram, Haryana - 122002
Contact No: +91 9971295533
Email: info@r9wealth.com
Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. Past performance is not an indicator of future returns. R9 Wealth is an AMFI registered Mutual Fund distributor with ARN – 334421 (ARN Validity Period: 18-July-2025 to 17-July-2028). R9 Wealth and its brand assets are trademarks of R9 Wealth Financial Services.
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