Own the home you love, with a loan that fits your life.
We work with leading banks and housing finance companies to find you a good rate, check how much you can borrow, and handle the paperwork until the loan is paid out.
Calculate how much home loan you can get →
Competitive interest rates
Higher loan eligibility
Tenure up to 30 years
An EMI you can plan for
Home loan eligibility calculator
From finding the home to funding it, we help at every step. Move the sliders to see roughly how much a bank may lend you, so you can plan your budget with confidence.
Calculate how much home loan you can get
You could get a home loan of up to
₹86.42 L
with an EMI of ₹75,000 a month for 20 years
- Loan amount
- ₹86.42 L
- Total interest
- ₹93.58 L
- Total you pay
- ₹1.8 Cr
An estimate, not an offer. Banks decide the final amount after checking your credit score, job and the property.
Our banking partners
Get started on your home loan journey
Documents you’ll need
| Identity proof (any one) | Address proof (any one) | Other documents |
|---|---|---|
| PAN card | Electricity, water or phone bill | Filled loan application form with 3 passport-size photos |
| Aadhaar card | Passport, Aadhaar card or driving licence | Bank statements for all your accounts, last 6 months |
| Voter ID | Registered rent agreement | Statement of any running loan, last 12 months |
| Passport | – | Employer ID card (salaried) |
| Driving licence | – | – |
Income proof
| If you're self-employed | If you're salaried |
|---|---|
| Income tax returns for the last 3 years | Salary slips for the last 3 months |
| CA-audited balance sheet and profit & loss for 3 years | Form 16 or income tax returns for the last 2 years |
| Business proof: licence, GST registration or shop act | – |
| Business address proof | – |
| Qualification certificate (doctors, CAs and other professionals) | – |
| TDS certificate | – |
Who can get a home loan
| Criteria | Requirement |
|---|---|
| Age | Usually 21 to 65 years; the loan should end by the time you retire or turn 70 |
| Resident type | You can be any one of:
|
| Employment | You can be any one of:
|
| Income | Most banks look for at least ₹25,000 a month; a higher income means a larger loan |
| Work history | About 2 years of work if salaried, 3 years of business if self-employed |
| Credit score | 750 or above gets the best rates; a lower score can still qualify at a higher rate |
Frequently asked questions
How does Skyros help with my home loan?
We check your eligibility with several banks, compare their rates and fees for you, list the documents each one needs and follow up until the loan is sanctioned and paid to the developer. You still choose the bank.
How do I check my home loan eligibility?
Use the calculator on this page: enter your monthly take-home pay, any EMIs you already pay, the interest rate and tenure. It shows roughly how much you can borrow. A bank confirms the final amount after checking your documents and credit report.
Can I get a home loan if I'm an NRI?
Yes. Most banks lend to NRIs and PIOs for homes in India. You'll need your passport and visa, overseas work contract or salary slips, and statements from your NRE/NRO account.
Is property insurance mandatory for a home loan?
Most banks ask for property insurance to protect the home against fire and natural disasters. Life cover for the borrower is optional, though banks often suggest it.
Can I add a co-applicant?
Yes. Adding an earning family member, such as your spouse or a parent, combines your incomes and usually raises the amount you can borrow. Co-owners can often claim tax benefits on the loan too.
Can I move my loan to another bank later?
Yes, this is called a balance transfer. If another bank offers a lower rate, you can move your remaining loan there. It's worth it when the rate difference is meaningful and many years are left on the loan.
