Prime Capital
Your Dream Home Awaits

Own Your Dream Home with Prime Capital

Get attractive home loan rates starting from 7.5% p.a. with flexible repayment options up to 30 years. Expert guidance through every step of your home buying journey.

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Home Loan

Why Choose Our Home Loan?

Features that make your home buying journey smooth and affordable

Lowest Interest Rates

Competitive rates starting from 7.5% with flexible options

Quick Processing

Fast approval and disbursement within 7-10 working days

High Loan Amount

Get up to 90% of property value with minimal down payment

Balance Transfer

Transfer existing home loan to enjoy lower interest rates

Property Affordability Calculator

Find out how much home you can afford

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0 500 5,000
10,000 50,000 200,000

Your Home Affordability

Maximum Home Price

$0
Based on your inputs
Loan Amount $0
Down Payment $0
Monthly EMI $0
Total Interest $0

Note: Calculations assume 28% debt-to-income ratio. Actual eligibility may vary based on credit score and other factors.

Types of Home Loans

Choose the right home loan for your specific needs

From 7.5%

Home Purchase Loan

Finance your dream home purchase with flexible repayment options.

  • Up to 90% financing
  • Tenure: 5 to 30 years
  • Processing in 7-10 days
From 8.0%

Home Construction Loan

Fund the construction of your new home with stage-wise disbursement.

  • Stage-wise disbursement
  • Up to 85% of cost
  • Technical supervision
From 8.5%

Home Renovation Loan

Upgrade your existing home with renovation or extension financing.

  • Up to $100,000
  • Quick approval
  • Minimal documentation
From 8.0%

Balance Transfer

Transfer your existing home loan to us for better interest rates.

  • Lower interest rates
  • Top-up loan available
  • No prepayment charges
From 7.8%

Plot Purchase Loan

Finance the purchase of a residential plot for future construction.

  • Up to 80% of plot value
  • Tenure up to 20 years
  • Conversion to construction loan
From 8.2%

Pradhan Mantri Awas Yojana

Government subsidized home loans under PMAY scheme.

  • Credit Linked Subsidy
  • Lower interest rates
  • For EWS/LIG/MIG

Home Loan Eligibility

Minimum Age

21 Years

Maximum Age

65 Years*

*At loan maturity
Minimum Income

$30,000 p.a.

Employment

2+ Years

Stable employment required
Credit Score Required
750+ Preferred

Self-employed applicants need 3+ years in business with consistent profits

Required Documents

  • Passport/Aadhaar Card/PAN Card
  • Address Proof (Utility Bill/Rental Agreement)
  • Passport-size Photographs
  • Signature Verification Proof

  • Salary slips (last 3 months)
  • Form 16/Income Tax Returns (last 2 years)
  • Bank statements (last 6 months)
  • Employment certificate/Appointment letter

  • Sale Agreement/Builder-Buyer Agreement
  • Property Title Deed/Mother Deed
  • Approved Building Plan/Layout
  • Property Tax Receipts
  • Encumbrance Certificate (last 13 years)

Current Home Loan Interest Rates

Competitive rates for different loan amounts and profiles

Loan Amount Salaried Individuals Self-Employed Women Applicants* Processing Fee
Up to $100,000 7.5% - 8.0% 7.8% - 8.3% 7.4% - 7.9% 0.5% of loan amount
$100,001 - $500,000 7.6% - 8.1% 7.9% - 8.4% 7.5% - 8.0% 0.5% of loan amount
$500,001 - $1,000,000 7.8% - 8.3% 8.1% - 8.6% 7.7% - 8.2% 0.5% of loan amount
Above $1,000,000 8.0% - 8.5% 8.3% - 8.8% 7.9% - 8.4% 0.5% of loan amount

*Additional 0.05% discount for women applicants. Rates are subject to change based on credit score, property location, and other factors.

Apply for Home Loan

Start your journey to home ownership today

A mortgage specialist will contact you within 24 hours to guide you through the next steps

Home Loan FAQs

Common questions about home loans and mortgages

The maximum home loan amount depends on your income, existing obligations, property value, and credit score. Generally, you can get up to 80-90% of the property's market value or up to 60 times your monthly income, whichever is lower.

For a complete application with all documents, the typical processing time is 7-10 working days for loan approval. Disbursement takes an additional 3-5 days after property verification and legal checks are completed.

Yes, we allow prepayment of home loans. For floating rate loans, you can make unlimited prepayments without any charges. For fixed rate loans, a prepayment charge of 2% may apply if prepaid within the first 3 years.

Fixed rates remain constant throughout the loan tenure, providing payment stability. Floating rates change based on market conditions (like RBI repo rate changes). We offer both options, and our advisors can help you choose based on your risk tolerance and market outlook.

Under Section 24(b) of the Income Tax Act, you can claim deduction of up to $2,000 on interest paid annually. Under Section 80C, you can claim deduction of up to $1,500 on principal repayment. Additional deduction of $500 is available for first-time home buyers under Section 80EEA.

Yes, we offer home construction loans where the amount is disbursed in stages as the construction progresses. We require approved building plans, commencement certificate, and stage-wise verification before each disbursement.

Ready to Own Your Dream Home?

Our mortgage specialists are available to help you find the perfect home loan solution with the best rates and terms.

Call: (555) 123-4567 Schedule Appointment