Finance Your Dream Home
Competitive interest rates, flexible tenure up to 30 years, and a 72-hour approval process designed for Bangalore's property market.
Why Choose Our Home Purchase Loan?
Designed to make home ownership simple, affordable, and stress-free for every Bangalorean.
High Loan-to-Value Ratio
Finance up to 90% of your property value, so you need a smaller down payment to move into your dream home.
Flexible Repayment Tenure
Choose a repayment period of 5 to 30 years to keep your monthly EMIs comfortable and within your budget.
Competitive Interest Rates
Rates starting at 8.5% p.a. — fixed and floating options available to suit your financial planning needs.
Balance Transfer Facility
Already have a home loan elsewhere? Transfer your outstanding balance to CitiLoans and save on interest.
Top-Up Loan Available
Need extra funds for renovation or furnishing? Get a top-up loan on your existing home loan at attractive rates.
Doorstep Service
Our relationship managers come to you. Document collection, verification, and guidance — all at your convenience.
Interest Rate Plans
Transparent pricing with no hidden charges. Choose the plan that works best for you.
Floating Rate
Linked to RBI repo rate. Rates may vary.
Fixed Rate (5 yr)
Rate locked for first 5 years.
Fixed Rate (10 yr)
Rate locked for first 10 years.
* Interest rates are indicative and subject to change based on credit profile, loan amount, and RBI guidelines. Final rates are determined at loan sanction.
Eligibility Criteria
Check if you qualify for a CitiLoans Home Purchase Loan.
Salaried Individuals
- Age: 21 to 60 years at loan maturity
- Minimum net monthly income: ₹30,000
- Minimum 2 years of continuous employment
- Credit score of 700 or above
- Property located in Bangalore / Karnataka
Self-Employed / Business Owners
- Age: 25 to 65 years at loan maturity
- Minimum 3 years in current business
- Minimum annual income: ₹4,00,000 (ITR basis)
- Credit score of 700 or above
- Property located in Bangalore / Karnataka
Documents Required
Minimal paperwork. We guide you through every document.
Identity & Address Proof
- Aadhaar Card
- PAN Card
- Passport / Voter ID / Driving Licence
Income Proof (Salaried)
- Last 3 months salary slips
- Last 6 months bank statements
- Form 16 / ITR for last 2 years
Income Proof (Self-Employed)
- ITR with computation for last 3 years
- Last 12 months bank statements
- Business registration / GST certificate
Property Documents
- Sale agreement / allotment letter
- Title deed and encumbrance certificate
- Approved building plan / BBMP sanction
How It Works
From application to disbursement — a simple, transparent 4-step process.
Apply Online or In-Person
Fill out our simple application form online or visit our Bangalore office. A relationship manager will reach out within 2 hours.
Document Submission
Submit your documents digitally or at our office. Our team verifies everything and keeps you updated at every step.
Loan Sanction in 72 Hours
Our credit team reviews your application and issues a sanction letter within 72 hours of receiving complete documents.
Disbursement
Once property documents are verified, the loan amount is disbursed directly to the seller or builder as per the agreement.
Ready to Apply for Your Home Loan?
Get a free consultation with our experts today. No obligations, just honest advice.