Home Loans in Gurgaon Up to ₹10 Crore, Interest from 8.70%

Turn your dream of owning a home in Gurgaon into reality with a Home Loan from L&T Finance designed to suit your financial goals and lifestyle. Get funding from ₹20 Lakh to ₹10 Crore* with competitive interest rates, affordable EMIs, and flexible repayment tenures of up to 30 years. Benefit from a quick digital application process, minimal documentation, and fast approvals, making it easier to purchase, construct, or renovate your home in Gurgaon. With dedicated support and a seamless loan process, you can focus on planning your new home while we take care of the financing.

Features & Benefits of Home Loan in Gurgaon

Discover the key features and benefits of a home loan in Gurgaon, designed to offer flexible repayment, competitive interest rates, and higher loan eligibility.

Features & Benefits	Description
Competitive Interest Rates	Home loan interest rates in Gurgaon start at just 8.70% p.a.*, helping you keep EMIs affordable.
High Loan Amount	Financing options from ₹20 Lakhup to ₹10 Crore to meet diverse needs and budgets.
Flexible Tenure	Choose repayment terms ranging from a minimum of 3 years to a maximum of 30 years* to fit your financial plan.
Digitised Process	Apply online with ease and benefit from a fully digitised process supported by a dedicated relationship manager.
Minimal Documentation	Quick approvals with minimal paperwork requirements compared to traditional loans.
Tax Benefits	Enjoy tax benefits available under Section 80C and Section 24 of theIncome Tax Act, 1961 on principal and interest repayments.

EMI Calculator for Home Loan in Gurgaon

To plan your finances effectively, use our easy-to-use Home Loan EMI calculator designed specifically for Gurgaon borrowers.

Simply input your desired loan amount, tenure, and prevailing interest rate to calculate your monthly EMI and understand the total repayment outflow over the loan tenure.

Calculate your EMI on Home Loan

Estimate your EMIs in a few simple steps

Preferred loan amount

₹

₹20,00,000

₹10,00,00,000

Interest rate (per annum)

13%

Loan tenure (months)

36 months

360 months

Estimated EMI

per month

₹ 36,690
Interest payable
₹52,41, 690

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How to Apply for a Home Loan Online in Gurgaon?

Follow these simple steps to apply for a Home Loan online in Gurgaon with L&T Finance.

1. Submit Personal and Income Details

Quickly get assessed for eligibility by submitting your basic personal and income information.

2. Provide Property details

Upload required documentation about your property to initiate the digitised sanction process without delay.

3. Get your final offer

Receive your loan sanction letter detailing the finalized interest rate, tenure, and sanctioned loan amount.

4. Complete eKYC Verification

Undertake the electronic Know Your Customer process by submitting the necessary documents.

5. Authorize eMandate & Get Approval

Authorise the electronic mandate for repayments to get loan approval and proceed with disbursement.

Eligibility Criteria for Home Loan in Gurgaon

Check if you meet the eligibility criteria for Home Loan in Gurgaon with L&T Finance and understand the requirements to qualify for a housing loan easily.

Type	Criteria
Residency	Indian residents and Non-Resident Indians (NRIs) are eligible to apply.
Age requirement	Salaried individuals aged between 23 and 70 years. Self-employed applicants aged between 25 and 70 years.
Profession	Open to salaried and self-employed professionals as well as non-professionals.
Other	Eligibility and loan amount improve by adding a co-applicant's income or other verifiable sources.

Documents Required for a Home Loan in Gurgaon

The documentation requirements for a Home Loan in Gurgaon vary depending on the applicant’s employment type, allowing lenders to assess eligibility accurately. Additional documents may also be requested at the time of final loan disbursement based on the specific home loan requirements.

Document Type	Required Document & Checks
Age Proof	Aadhaar Card, PAN Card, Passport
Address Proof	Recent utility bills (within 2 months), Aadhaar Card, Driving License, Passport, Voter ID, etc.
Photo ID Proof	PAN Card plus any one of Aadhaar Card, Driving License, Passport, Voter ID, NREGA Job Card, or NPR Letter
Income Proof	Depending on profession: - Salaried: last 3 months' salary slips, last 1 year bank statements, latest Form 16 - Self-employed Professionals: last 2 years Income Tax Returns for personal & business, CA-certified financials, bank statements - Self-employed Non-Professionals: last 2 years ITR with computation, firm/company audited financials, GST or business proof documents

Additional property-related documents and other supporting papers may be required during the disbursement stage.

Fees & Charges For Home Loan in Gurgaon

Home loan interest rates in Gurgaon and associated charges vary based on lender policies, applicant profile, and loan amount, ensuring borrowers receive competitive rates with transparent processing fees and additional costs.

Type	Interest Rate and Charges
Processing Fees / Documentation Charges:	Up to 3% of the sanctioned loan amount + applicable taxes (inclusive of login fees)
Login Fees:	Up to ₹5,000 (non-refundable, including taxes)
EMI Dishonour/Bounce Charges	EMI Dishonour/Bounce Charges Charges depend on loan value: ₹500 (< ₹5 Lakh)
Penal/Late Payment Charges (LPC):	2% per month on overdue EMI + taxes (revised from 3% since Dec 2023; taxes applicable from April 2024)
Duplicate NOC Charges:	First 3 copies free; next copies ₹250 + taxes
Repayment Swap Charges:	Repayment Swap Charges ₹500 + taxes (only applicable for branch transactions)
Valuation and Documentation Charges As per actuals:	As per actuals
Interest Rate Conversion Charges:	Up to 0.5% on outstanding loan amount + taxes, or minimum ₹10,000
Foreclosure / Prepayment Charges:	Fixed-rate loans: Up to 3% if prepayment within 1 year Up to 2% after 1 year + applicable taxes Floating-rate loans: Nil

*Terms & Conditions apply. All amounts and charges are indicative as per the company's Key Fact Statement.

Uses of Home Loan in Gurgaon

Home loans in Gurgaon offer financing solutions designed to meet the diverse property needs of homebuyers, including:

Purchasing Ready-to-Move Homes or Apartments: Finance fully constructed flats, apartments, or independent houses to move in immediately.
Buying Plots and Construction: Get funding for purchasing residential plots or constructing a new home on purchased land.
Self-Construction on Owned Land: Avail financing to build a house on a plot that you already own.
Home Renovation: Upgrade or repair your existing property with funds for structural improvements or modern upgrades.
Home Extension or Interior Improvements: Finance interior work, furnishing, or home expansion projects to enhance your living space.

These flexible uses make home loans a practical financing option for different homeownership needs in Gurgaon.

Why Choose L&T Finance for a Home Loan in Gurgaon?

Fully Digitised Process: Apply online anytime and track your application in real time for a seamless experience.
Customised Solutions: Tailored home loan offerings that suit your unique financial requirements and property needs.
Dedicated Relationship Manager: Personalised assistance throughout your loan application, sanction, and disbursement process.
Transparent Charges: No hidden fees with clear, upfront disclosures on interest, processing, and prepayment costs.
Expert Tax Benefits Guidance: Professional advice on maximising your tax savings under Sections 80C and 24 of the Income Tax Act.

FAQs & Support

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Is there a prepayment or foreclosure charge on the Home Loan?

For floating rate home loans, there are no prepayment charges. For fixed-rate home loans, foreclosure charges apply as follows: up to 3% on the principal outstanding plus applicable taxes if prepaid within 1 year from disbursement; up to 2% if prepaid after 1 year plus applicable taxes.

What is the maximum tenure available for a Home Loan in Gurgaon?

You can choose a repayment tenure between 3 years and 30 years, depending on your repayment capacity and financial planning

How long does it take to process a Home Loan in Gurgaon?

Thanks to our digitised process and real-time application tracking, loan sanction can be delivered within minutes* once all complete documents are submitted.

What is the current interest rate for a Home Loan in Gurgaon?

Home loans start at an attractive interest rate of 8.70%* per annum for eligible borrowers. Rates may vary based on profile and RBI regulations.

What are the eligibility criteria for applying for a home loan in Gurgaon?

Applicants must be Indian residents or NRIs, aged 23 to 70 years (salaried) or 25 to 70 years (self-employed), and fall under salaried or self-employed professional/non-professional categories. Co-applicants can improve eligibility.

What is the minimum CIBIL score required to get a Home Loan in Gurgaon?

While exact cut-offs vary, a good CIBIL score enhances chances for competitive interest rates and higher loan sanction. Generally, a score above 700 is recommended.

What documents are required for a Home Loan in Gurgaon?

Applicants must provide valid age proof, address proof, photo ID, income proof (salary slips, bank statements, ITRs as applicable), and property-related documents (title deed, approved plans). Supporting documents depend on employment type.

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