Home Loan Basics for Bangalore Buyers

Most home loans in Bangalore are sanctioned between 75% and 90% of the property value. Eligibility is driven by your net take-home, EMI-to-income ratio (target under 40%) and credit score.

Floating rates currently range 8.35%–9.10%. Public-sector banks are typically 15–25 bps cheaper than private lenders, but private banks process faster.

Processing fees are 0.25%–1.0% of the loan amount. Negotiate — most banks waive 50% for pre-approved customers.

Sanctioned ≠ disbursed. Builders will only release possession against milestone disbursement. Confirm your bank's disbursement protocol before paying the booking amount.

Invest Build Con Realty works with HDFC, ICICI, SBI, Axis and LIC Housing. We can place your file with 3 lenders in parallel within 48 hours.