Home Loan

You always want to buy your dream home, but will you stop thinking about it when looking at your expenses?

Now stop thinking and start shopping with an instant home loan from QWIKPAY.IN with minimal paperwork and the best deals at lower interest rates, and let this dream come true. A home loan is an amount of money that a person borrows from a bank or lending company at a fixed rate of interest on a home loan, which is paid back by EMI each month. The administration takes a cash loan as collateral for the home loan.

Some people often misunderstand Housing loan as Mortgage (also known as Loan Against Property). A loan is an amount borrowed from a financial institution (mainly a bank) to meet various monetary requirements. Whereas a mortgage is a function of keeping the property as collateral for the lender when using the loan. Property can be either personal or commercial in nature. If the borrower is unable to meet the maturity date, the lender will have full legal rights to collect the outstanding loan amount by selling the property in question.

With QwikPay Matrix Housing Loans, you can enjoy lower interest rates as you can choose the bank you want to borrow from and not even have paperwork problems. You don't need to visit our office! Our supervisors will visit you to collect all your documentation. Whether you’re looking to purchase, construct or renovate a home, the Qwikpay home loan is the one-step solution for property loan need, or you can look forward to get a Personal Loan as well for your needs. Simple selection conditions and minimum documentation requirements ensure that funding is easy to apply for.

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Housing Loan Benefits

Some of the benefits of housing loan are.

Tax Benefit

There are tax incentives for housing loan repayment for both “principal repayment” and “interest repayment” on a home loan.

Lending value to appreciation

A housing loan, as the name suggests, gives you the option to buy an apartment - an asset that brings in one of the highest rates. You don't buy something that gets cheaper as soon as it leaves the showroom.

No tearing of your pocket

There is no lump sum when you apply for a housing loan, accept the one you are paying as an advance to your developer, so the effect of paying a large amount is divided by the EMI.

Pradhan Mantri Awas Yojana(PMAY)

This PMAY scheme is only for the buyer looking to get a home loan for the first time. If you are eligible and when your amount is sanctioned, you may receive an interest rate subsidy.

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Types of Housing loan

There are several types of home loans.

Home Purchase Loan

Home Improvement Loan

Home Construction Loan

Land Purchase Loan, Etc.

Home Loan - Eligibility

Any salaried, self-employed or professional Public and Private companies, Government sector employees including Public Sector is eligible for a housing loan.


Applicant's maximum age at maturity: 60 years.


Minimum Net Monthly Income: Rs 15,000

Credit Rating

Applicant should have the bank specified credit score.

We are Here to Help You

The realization of a dream for many of us is always a distant story. But we want you to open your eyes and help make these difficult dreams come true. Give us a chance to shake hands to make those dreams come true in the near future and we will never disappoint.

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Frequently Ask Questions

Check out our FAQ page to get answers for most of your questions.

A home loan is a secured loan issued by a bank against the collateral / mortgage of the underlying real estate. In the event that the Borrower fails to make payments, the Bank may, in accordance with Indian law, seize / sell the underlying property and recover the principal and any outstanding interest on it. A housing loan can be used to buy property under construction, resell it, or even build a house on empty land.
Yes, you can pre pay your loan. In this case, there will be no prepayments at a variable interest rate. However, the costs will incur a fixed interest rate.
As per RBI’s guidelines, no lender is allowed to offer 100% property loan. You need to make a down payment amounting to 10-20% of the property purchase price.
Your CIBIL score is based on your credit report, which is essentially a summary of your credit history that includes your previous loans and repayment methods. A CIBIL score of 750 and + is considered as a good CIBIL and it helps you get a loan on favorable terms without any hassle.