Home Loans in Ghaziabad

Compare Home Loan Interest Rates Offered by Various Banks & HFCs in Ghaziabad

Name of Lender	Loans of Up to Rs. 30 Lakh
Bank of India	7.10% p.a. onwards	Check Eligibility
State Bank of India	7.25% p.a. onwards	Check Eligibility
Punjab National Bank	7.20% p.a. onwards	Check Eligibility
Canara Bank	7.15% p.a. onwards	Check Eligibility
HDFC Bank	7.90% p.a. onwards	Check Eligibility
Bajaj Housing Finance	7.40% p.a. onwards	Check Eligibility
ICICI Bank	7.65% p.a. onwards	Check Eligibility
Axis Bank	*8.25% p.a. onwards	Check Eligibility
Federal Bank	*7.90% p.a. onwards	Check Eligibility
Kotak Mahindra Bank	7.70% p.a. onwards	Check Eligibility
IDFC FIRST Bank	8.85% p.a. onwards	Check Eligibility
IDBI Bank	7.35% p.a. onwards	Check Eligibility
RBL Bank	8.20% p.a. onwards	Check Eligibility
Tata Capital Housing Finance	7.75% p.a. onwards	Check Eligibility
PNB Housing Finance	*7.20% p.a. onwards	Check Eligibility
Sammaan Capital (Formerly known as Indiabulls Housing Finance)	8.75% p.a. onwards	Check Eligibility
India Shelter Home Loan	8.43% p.a. onwards	Check Eligibility
L&T Finance Limited	*8.40% p.a. onwards	Check Eligibility
Godrej Housing Finance	7.75% p.a. onwards	Check Eligibility
Home First Finance	8.00% p.a. onwards	Check Eligibility
Easy Home Finance	8.99% p.a. onwards	Check Eligibility
Piramal Capital Housing Finance	*8.25% p.a. onwards	Check Eligibility
Shubham Housing Finance	10.45% p.a. onwards	Check Eligibility
Punjab & Sind Bank	7.30% p.a. onwards	Check Eligibility
Jio Housing Finance	8.20% p.a. onwards	Check Eligibility
HDFC Sales Pvt Ltd	7.90% p.a. onwards	Check Eligibility

Note: Interest rates as of 8 September 2025

Features of Home Loan in Ghaziabad

Common features of home loan offered in Ghaziabad are mentioned below:

• The home loan interest rates offered in Ghaziabad starts from 7.35% p.a.
• The repayment tenures of home loans offered by most lenders are flexible and range up to 30 years
• The LTV ratio of housing loans can go up to 90% of the mortgaged property’s value. The final LTV ratio set by lenders for their home loan applicants depends on the loan amount and credit profile of the loan applicants. The home loan amounts and their corresponding LTV ratio are as follows:

Home Loan Amount	LTV Ratio
Up to Rs 30 lakh	Up to 90% of total cost of property
Above Rs 30 lakh and up to Rs 75 lakh	Up to 80% of total cost of property
Above Rs 75 lakh	Up to 75% of total cost of property

• Banks/NBFCs in Ghaziabad also offer home loan balance transfer of existing home loans from other banks/NBFCs at lower interest rates.
• Home loan overdraft facility is offered to fresh home loan borrowers as well as those exercising home loan balance transfer.
• Home loan lenders also offer the facility of home loan top-up to their existing home loan borrowers. Home loan borrowers can use the top-up amount to take care of their personal and professional needs (except for speculative purposes).
• Banks/NBFCs also offer pre-approved home loans to their select customers based on their credit score, income, occupation profile, etc.

Income Requirements of Home Loan in Ghaziabad

• For Salaried Applicants: At least Rs 15,000 p.m.
• For self-employed individuals with annual income starting from Rs 1 lakh.

Eligibility Criteria of Home Loan in Ghaziabad

The home loan eligibility criteria set by most lenders for availing home loan in Ghaziabad is as follows:

• Job Profile: Salaried (government employees and corporate professionals)/Self-Employed Professional (Doctors, lawyers, CA, CS, engineer, architect, consultant)/Self-Employed Non-Professional (Trader, contractor, commission agent)
• Age: Minimum- 21 years; Maximum- Up to 70 years at the time of loan maturity
• Nationality: Indian Resident, NRI, PIO
• Credit Score: CIBIL/Credit score should be 750 and above for increased chances of availing home loan and at lower interest rates
• Work experience: For Salaried- At least 3 years of work experience For Self-Employed– At least 3 years of business continuity

Documents Required for Home Loan in Ghaziabad

Common home loan documents required for availing home loan in Ghaziabad are mentioned below:

For Salaried Applicants

• KYC documents: Driving license, passport, PAN card, voter ID, Aadhaar Card, etc.
• Proof of Employment: Appointment letter, letter of promotion/increment, employment contract, etc.
• Income proof: Form 16, Last 3 month salary certificates, last 6 months bank statement showing salary credits, etc.
• Bank statements showing repayment of any ongoing loans Property related documents
• Processing fee cheque in favor of the home loan provider
• Proof of own contribution

Additional Documents for Self-Employed Applicants

• Balance sheet and P&L account of last 3 years attested by a chartered accountant (CA)
• Last 3 years ITR with income calculation
• Savings account statement of loan applicant & current account statement of the business entity of last 6 months
• Business address proof
• Business profile of the home loan applicant
• Latest form 26AS

Note: Along with the above-mentioned documents, lenders may also ask for additional documents based on the home loan applicants profile.