Home Loan
Financing for the purchase or construction of residential property — competitive rates through our network of partner banks and housing finance companies.
For individuals purchasing, constructing or renovating residential property
Whether you're a salaried professional or a business owner, home loan eligibility and rates depend on income stability, credit profile and the specific property — we match you to the lender best suited to your situation.
Do you qualify?
- Stable income source (salaried or self-employed)
- Property with clear title and lender-approved documentation
- Reasonable credit history (CIBIL score)
- Down payment / margin as per lender policy
What you'll need to send
Send these directly on WhatsApp — one by one or all together. We'll let you know what's verified and what's still pending as you go.
- Aadhaar & PAN card
- Income proof (salary slips or ITR for self-employed)
- Bank statements (last 6 months)
- Property documents
- Income tax returns (last 2–3 years)
Why apply for this through Ikaya
Access to multiple lenders
Compare terms across banks and housing finance companies through one application.
Self-employed friendly options
We know which lenders are realistic for business owners without standard salary slips.
Support through documentation
Property paperwork can be the most confusing part — we help make sure it's lender-ready.
Common questions
Can self-employed individuals get a home loan?
Yes — eligibility is based on income tax returns and business financials rather than salary slips, and we match you to lenders comfortable with that profile.
What's the typical loan-to-value ratio?
This varies by lender and property type, but is commonly in the 75–90% range of the property value.
Ready to check what you're eligible for?
Send your details on WhatsApp — get an estimate in minutes.
Chat with us on WhatsApp