Home Loans in Hyderabad
Buy the house. We will handle the bank.
Compare offers from 20+ lenders, get the rate you actually qualify for, and let us carry the paperwork from application to disbursement.
- Starting rate p.a.
- 7%* Starting rate p.a.
- Of property value
- up to 90% Of property value
- Maximum tenure
- 30 years Maximum tenure
*Rates vary by lender, loan amount and credit profile. T&C apply.
Why a home loan through JSR
What you get
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One application, 20+ banks
We shop your file around so you are not stuck with the first offer.
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Sanction in 3–7 days
Complete files move fast. We make sure yours is complete.
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Up to 90% funding
Smaller down payment, so you buy sooner rather than saving longer.
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Doorstep documentation
We collect and prepare the file. You do not visit a branch.
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Balance transfer
Already have a loan? Move it to a lower rate and cut your EMI.
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Tax benefits
Up to ₹1.5L on principal and ₹2L on interest, under the old regime.
At a glance
Home loan specifications
- Interest rate
- From 7% p.a.Floating, linked to the lender's repo-based rate
- Loan amount
- ₹5 lakh to ₹5 croreHigher amounts case by case
- Tenure
- Up to 30 yearsSubject to your age at maturity
- Funding
- Up to 90% of property value90% up to ₹30L · 80% for ₹30–75L · 75% above ₹75L, per RBI norms
- Processing fee
- [0.25%–0.50%] of the loan amountVaries by lender; often negotiable
- Prepayment charges
- Nil on floating-rate loansRBI bars foreclosure charges to individual borrowers on floating rates
- Tax deduction
- ₹1.5L principal (80C) + ₹2L interest (24b)Old regime only — not available under the new regime for a self-occupied property
Plan your EMI
What will it cost a month?
Move the sliders to see your monthly outgo, the total interest over the life of the loan, and what you will have repaid by the end.
Most people are surprised by the total interest figure. It is the strongest argument for getting the rate right the first time.
EMI Calculator
Instant estimateYour monthly EMI
₹0
- Total interest
- ₹0
- Total payable
- ₹0
Indicative only. Your actual EMI depends on the lender, loan amount and credit profile.
Eligibility
Do you qualify?
Pick the one that describes you.
- Age
- 21 to 60, or your retirement age — whichever comes first
- Income
- From [₹25,000] a month, depending on the city and the lender
- Work history
- 2 years total, at least 6 months in your current job
- Credit score
- 750+ for the best rates. 700–750 still works, at a slightly higher rate
- Tenure available
- Up to 30 years
- Employer
- Listed companies and government service get the finest pricing
What you will need
Everyone needs
- PAN card and Aadhaar
- Passport-size photographs
- Address proof
- Property documents — sale agreement, title deed, approved plan
- Processing fee cheque
Because you are salaried
- Last 3 months' salary slips
- Last 6 months' bank statements — salary account
- Form 16, or 2 years of ITR
- Employment certificate or appointment letter
We tell you which of these your lender actually wants before you gather anything.
- Age
- 21 to 65 at loan maturity
- Business continuity
- 3 years in the same line of business
- Income
- As shown in your ITR — filed returns matter more than declared turnover
- Credit score
- 750+ preferred. Lenders look harder at your bank conduct here
- Tenure available
- Usually up to 20–25 years
- Worth knowing
- Lenders read the same self-employed file very differently — this is where a broker earns their fee
What you will need
Everyone needs
- PAN card and Aadhaar
- Passport-size photographs
- Address proof
- Property documents — sale agreement, title deed, approved plan
- Processing fee cheque
Because you are self-employed
- Last 3 years' ITR with computation of income
- Audited profit & loss account and balance sheet
- Business registration — GST, Shop & Establishment, or licence
- Last 12 months' bank statements — current and savings
- Business address proof
We tell you which of these your lender actually wants before you gather anything.
- Age
- 21 to 60
- Employment abroad
- 1 to 2 years overseas, or 6 months abroad with 3 years total experience
- Income
- Minimum varies by country of residence and lender
- Tenure available
- Usually up to 20 years — shorter than for residents
- Repayment
- Through your NRE or NRO account, in Indian rupees
- Power of Attorney
- Required — someone in India must be able to sign on your behalf
What you will need
Everyone needs
- PAN card
- Passport-size photographs
- Property documents — sale agreement, title deed, approved plan
- Processing fee cheque
Because you are an NRI
- Passport and valid visa or work permit
- Employment contract or appointment letter
- Overseas address proof
- Last 6 months' overseas bank statements
- Last 6 months' NRE or NRO account statements
- Salary certificate, attested where required
- Power of Attorney, notarised and attested
Attestation rules differ by country. We will tell you exactly what your embassy requires.
Indicative criteria. Every lender sets its own, and we will tell you honestly where you stand before you apply.
The process
How your home loan gets done
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1
Eligibility and document review
We check what you qualify for and tell you honestly where you stand before you apply.
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2
Application to the right lenders
We place your file with the banks most likely to say yes, and follow it up daily.
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3
Sanction, valuation and legal clearance
The bank values the property and checks the title. We coordinate both and chase the queries.
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4
Disbursement
Funds are released to the builder or seller. We stay on it until the money moves.