A home purchase is a dream of many. Getting the right mortgage can help make that dream come true. If you’re in search of the most affordable mortgage for your home loan in Ghaziabad and surrounding areas, then you’ve found the right spot. At Today Finserv Consulting India, we can help you find the most suitable home loan options that offer competitive interest rates with flexible repayment terms and fast approvals.
Why Choose Ghaziabad for Your Dream Home?
Ghaziabad is a fast-growing city within Ghaziabad, a city that is rapidly growing in the National Capital Region (NCR) has an excellent infrastructure, connectivity, and affordable housing choices. With the expansion of metro routes as well as a short distance to Delhi and the booming real estate development, Ghaziabad is a prime place for buyers of homes.
You can find an luxury home in Indirapuram or an affordable home within Raj Nagar Extension, or an home located in Crossings Republik, Ghaziabad offers something for all.
Top Banks & NBFCs Offering Home Loan in Ghaziabad
In the case of home loans, a variety of financial institutions and banks offer an array of attractive choices. Here are a few of the most reliable home loan lenders within Ghaziabad:
State Bank of India (SBI)
- Inflation Rate 8.40 percent p.a. from the date of publication.
- Lending Tenure up to 30 years
- Maximum Loan Amount up 90 percent of the property value
- Processing fee 0.35% of the loan amount (min. Rs2,000; max. Rs10,000 + GST)
HDFC Bank
- The interest rate: is 8.50 percent p.a. from now onwards
- The Loan Tenure: Up to 30 years
- Maximum Loan Amount: up to 90% on properties less than Rs30 lakh, 80% for those above
- Processing fee: Up to 0.50 percent of the loan amount or Rs 3,000 (whichever is greater)
LIC Housing Finance
- Incentive Rate: 8.50 percent p.a. from the date of publication.
- The Loan Tenure Maximum: of 30 Years
- Maximum Sum of the Loan: Up to 85 percent of the value of the property
- Processing Charge: 0.50% of the amount of loan plus GST
Punjab National Bank (PNB)
- Incentive Rate: 8.50 percent p.a. from the date of publication.
- The Loan Tenure: Up to 30 years
- Maximum Loan: Amount up to 90% of loans of up to Rs30 lakh. 80percent for larger sums
- Processing Charge: 0.35% of the amount of loan (min. Rs2,500; max. Rs15,000 + GST)
ICICI Bank
- The interest rate: is 8.60 percent p.a. from the date of purchase
- Tenure of Loan: Up to 30 years
- Maximum Loan Amount: up to 90% on properties less than Rs30 lakh, 80 percent for those more than that.
- Processing Charge: 0.50% of the amount of loan plus GST
Home Loan Interest Rates in Ghaziabad (2025)
- Bank/NBFC
- SBI
- HDFC Bank
- LIC Housing
- PNB
- ICICI Bank
Note Rates of interest can alter in accordance with RBI guidelines and personal financial profiles.
Eligibility Criteria for Home Loans in Ghaziabad
To be eligible to get a mortgage on your home in Ghaziabad You must meet the following requirements:
- Age range between 21 and 65 (salaried) or 21-70 years (self-employed)
- Earnings Minimum Rs25,000 per month (varies depending on the lender)
- Credit Score at least 650 (preferably 750+ to get higher rates)
- Employability Stability at least two years experience (salaried) or three years business continuity (self-employed)
Documents Required for Home Loan Application
For Salaried Individuals:
- Identity Proof (Aadhaar, PAN, Passport)
- Address Proof (Voter ID, Utility Bills)
- Salary Slips (Last 3 months)
- Banking Account Statements (Last Six Months)
- Form 16/ITR (Last two years)
For Self-Employed Individuals:
- Business Proof (GST Certificate, Shop Act License)
- The Bank Account Statements (Last 1 year)
- ITR with Profit & loss statement (Last three years)
- Balance Sheet and Audit Reports (if relevant)
How to Get the Best Home Loan Deal in Ghaziabad?
- Compare Interest Rates Check multiple lenders before finalizing.
- Negocate Processing Fees Certain banks reduce or waive fees.
- Enhance your Credit Score A better rating (750+) guarantees lower interest rates.
- You can choose a longer Tenure Lowers the burden of EMI however it increases the total interest.
- Prepay Whenever Possible This will save interest in the long-term.
Why Choose Today Finserv Consulting for Your Home Loan?
We are the moment Today Finserv Consulting India, we can simplify your home loan experience with:
- Expert Guide Personalized loan recommendations.
- The lowest interest rates Access to top banks and NBFCs.
- Fast Approvals Documentation is hassle-free and speedy processing.
- Pre-Approved Deals Discounts for customers with a valid credit card.
Finding the most suitable mortgage for your home loan in Ghaziabad will require careful study and expert guidance. If you’re a first-time homebuyer or are looking for the possibility of transferring your balance Today Finserv Consulting India ensures you get the best price with the least trouble.
Are you ready to buy the dream house of your dreams? Contact us now!
