Easy Home Finance Home Loan
Easy Home Finance Home Loan
Started in 2017, Easy Home Finance Limited re-engineered the mortgage process to offer a pioneering online experience and help customers realise the dream of owning a home. Offering home loans at an interest rate of 11% to 18% per annum, Easy Home Finance lends at a processing fee of up to Rs. 5,000 for a tenure of up to 25 years.
Along with attractive interest rates, Easy Home Finance loans come with quick approvals and a simple application process.
Easy Home Finance Home Loan
Doorstep Service in Your Language
Our team comes to you and explains every step in the language you are comfortable with.
Salaried or Self-Employed, Both Covered
Easy Home Finance lends to both profiles, and we match you to the scheme that suits your income type.
Built for a Digital Application
Easy Home Finance runs an online-first mortgage process, and we help you get the file right the first time.
One Relationship Manager, Start to Finish
A dedicated BASIC expert handles your file end to end, not a rotating call centre.
Easy Home Finance Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
Easy Home Finance Home Loan Key Highlights
Get the lowest interest rates with Easy Home Finance Home Loan
Loan Amount: Up to Rs. 30 lakh
Rate of Interest: 11% to 18% per annum
Processing Fee: Up to Rs. 5,000
Maximum Tenure for Repayment: Up to 25 years
Rate Packages: Fixed / Semi-Fixed / Floating
Charges for Prepayment/Foreclosure: Fixed
nil for up to 25% of the principal outstanding in the first 12 months; Floating - nil
Easy Home Finance Home Loan Interest Rates in 2026
Easy Home Finance Limited offers competitive home loan interest rates that start at 11% per annum with easy-to-manage EMIs. The company presents fixed, semi-fixed and floating rates for borrowers to select according to their needs and eligibility. Below are more details on the Easy Home Finance rate of interest in 2026:
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| Home Loan | 11.00% to 18.00% |
| Non-Home Loan | 14.00% to 18.00% |
Easy Home Finance Home Loan Eligibility Criteria
The loan eligibility criteria of Easy Home Finance focus on the age of the applicant, resident status, income status, and credit history and score. The company considers these criteria to assess the repayment ability of the applicant. The table below lists the Easy Home Finance eligibility criteria for home loans:
For Salaried Individuals
Age Range (in years)
18-70 years
Nationality
Indian residents and NRIs
For Self-Employed Individuals
Age Range (in years)
18-70 years
Nationality
Indian residents and NRIs
Easy Home Finance Home Loan Processing Fee and Charges
Easy Home Finance is transparent about its loan costs and clearly outlines processing fees, legal expenses and administrative fees so applicants can budget for the loan. The table below lists the Easy Home Finance processing fee and other charges:
| Processing Fee | Up to Rs. 5,000 |
| Admin Fee | Up to 2.5% (exclusive of GST) |
| CERSAI Fee | Up to Rs. 10,000 (for loans above Rs. 300 lakh) |
| Multiple Collateral Evaluation Charges | Rs. 3,000 per additional collateral |
| Legal & Technical Charges | Rs. 3,000 for all types of HL / P+C / LAP / resale units / first sales (non-APF); Rs. 1,500 for completed units - first sale and under construction - APF |
| Subsequent Technical Charges | Rs. 500 per visit |
| Stamp Duty Charges | On actuals |
| PDC / ECS / ACH Dishonour Charges | Rs. 500 per instance |
| Penal Charges | 36% p.a. of outstanding EMI |
| Account Statement Charges | Rs. 500 per instance |
| SOA Charges | Rs. 500 per instance |
| Foreclosure Charges | Fixed: nil for up to 25% of the principal outstanding, 5% up to the 24th month from the first disbursal date and 3% from the 25th month onwards. Floating: nil |
Easy Home Finance Home Loan Schemes and Top Plans
Easy Home Finance offers different loan types to suit different customer needs. Take a look at the home loan schemes presented by Easy Home Finance:
- Can be used to construct a home on a plot of land already owned by the applicant
- Also available for constructing an extension or undertaking construction work at an existing house
- The loan amount for this scheme starts at Rs. 5 lakh
- Can be availed to purchase a ready-to-move-in house, a resale house or one that is under construction
- The loan amount can also be used to buy a residential plot of land
- The maximum tenure of this loan is up to 20 years
- Can be used for renovating or repairing an existing house
- The loan amount can also be used to buy new fixtures
- Available with minimal documentation
* Note: All of the above home loan plans are made available to applicants solely at the discretion of Easy Home Finance, taking into consideration the earning and repayment capacity of the applicant.
Apply for an Easy Home Finance Home Loan Through BASIC Home Loan
Applicants can use the BASIC Home Loan team to make the Easy Home Finance application process straightforward. Follow the steps below to apply online from anywhere:
Apply Now on the BASIC Website
Head to the APPLY NOW section on the BASIC Home Loan website.
Share Your Requirement
Enter your name, contact number, loan amount and pincode, then submit the form.
We Take It Forward With Easy Home Finance
A BASIC Home Loan expert checks your eligibility and guides you through the Easy Home Finance application process.
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