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Home Loan in Gurgaon

Do you live in Gurgaon and want to buy your own house? Apply for a home loan on Bajaj Markets and choose from multiple lenders. Compare offers, check eligibility, and explore the EMI calculator to plan your repayments.

Last updated on: Oct 01, 2026

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Home Loan

Home Loan EMI Calculator

Home Loan Eligibility Calculator

Home Loan Interest Rate

Home Loan Procedure

Home Loan Documents

Tax Benefits for Home Loan

Plot Loan

Overview of Home Loan in Gurgaon

Planning to buy a home in Gurgaon? A home loan in Gurgaon lets you secure the property now and repay through manageable monthly instalments — keeping your savings intact while you invest in one of India's most sought-after real estate markets.

Gurgaon's rapid growth as a corporate and IT hub has driven strong, consistent demand for housing across all segments — from affordable apartments to premium gated communities. Acting sooner rather than later makes financial sense in a market where property values have historically trended upward.

Banks and NBFCs offer home loans based on your income, credit score, and property value, with flexible tenures and repayment structures to suit your financial situation. Comparing your options before you apply can help you lock in better rates and keep your EMIs comfortably within budget.

Property Rates and Home Loan Landscape in Gurgaon

Gurgaon’s real estate market is known for its modern developments, gated communities, and high-end residential projects. Property rates vary widely depending on the locality, infrastructure, and proximity to business hubs such as Cyber City, Golf Course Road, and Sohna Road.

Here are some key details you should be aware of:

Category	Indicative Price Range (per sq. ft.)	Key Areas
Affordable Areas	₹4,000 – ₹8,000	Sohna, New Gurgaon, parts of Dwarka Expressway
Mid-range Areas	₹8,000 – ₹15,000	Sector 57, Sector 67, parts of Golf Course Extension Road
Premium Locations	₹15,000 – ₹30,000+	Golf Course Road, DLF Phase areas, Cyber City vicinity

Property prices in Gurgaon are influenced by factors such as proximity to commercial hubs, metro access, road connectivity, and availability of social infrastructure. Areas with strong corporate presence and well-developed infrastructure typically command higher prices.

As property values increase, the loan amount required also rises, which impacts your EMIs and repayment planning.

The home loan market in Gurgaon is well-established, with multiple lenders offering financing options for eligible properties. You can compare interest rates, choose suitable tenures, and explore balance transfer options based on your financial needs.

Features and Benefits of a Home Loan in Gurgaon

Home loans in Gurgaon offer several benefits that make property purchase more manageable in a high-demand market:

High Loan Amount

Lenders offer substantial loan amounts, helping you finance properties across different price segments in Gurgaon.

Lower Upfront Financial Burden

A home loan reduces the need for a large upfront payment, allowing you to spread the cost over time.

Multiple Usage Options

You can use the loan to buy a new home, construct a property, or in some cases, renovate an existing one.

Flexible Repayment Tenure

You can choose a tenure that aligns with your income and repayment capacity, making EMIs easier to manage.

Competitive Interest Rates

With multiple lenders available, you can compare options and choose a home loan with favourable interest rates.

Balance Transfer Facility

You can transfer your existing home loan to another lender offering better terms to reduce your EMI or interest burden.

Quick and Digital Application

Many lenders support online applications, making the process faster and reducing paperwork.

Enables Home Ownership in Gurgaon

In a high-cost city like Gurgaon, home loans make it easier to access property through structured and long-term financing.

Comparison of Home Loan Interest Rates by Various Lenders on Bajaj Markets

Here are the interest rates and key details offered by various lenders on Bajaj Markets. You can compare the details and choose a suitable lender to get a home loan in Gurgaon:

Available Offerings	Max. Amount	Min. Interest Rate	Max. Tenure	Processing Fees
Bajaj Housing Finance Home Loan	₹15 Crores	7.25% p.a.	32 Years	Up to 4% of the loan amount + GST
India Shelter Home Loan	₹40 Lakhs	13% p.a.	20 Years	Up to 3% of the loan amount + GST
Sammaan Capital Home Loan	₹5 Crores	8.75% p.a.	30 Years	Up to 1% of the loan amount + GST
PNB Housing Finance Home Loan	₹15 Crores	8.5% p.a.	30 Years	Up to 0.50% of the loan amount
ICICI Bank Home Loan	₹5 Crores	9% p.a.	30 Years	₹2,999 (T&C Apply)
Shubham Housing Finance Home Loan	₹50 Lakhs	9.9% p.a.	25 Years	Up to ₹27,000 + 3% of the loan amount + GST (depending on the loan amount)
Truhome Finance Home Loan	₹1 Crore	11.5% p.a.	25 Years	Up to 2.5% of the loan amount + GST
HFFC Home Loan	₹50 Lakhs	9% p.a.	20 Years	₹9,990 - ₹24,990 + applicable GST
Vridhi Home Finance Home Loan	₹25 Lakhs	12% p.a.	12 Years	2% + GST
South Indian Bank (SIB) Ashirwad Home Loan	₹50 Lakhs	9.50% p.a.	30 Years	0.75% + GST
Easy Home Finance Home Loan	₹50 Lakhs	10.50% p.a.	20 Years	1.5% to 2.5% p.a.
L&T Finance Home Loan	₹7.5 Crores	7.65% p.a.	25 Years	Up to 3% of the loan amount + GST
Vastu Housing Finance Home Loan	₹75 Lakhs	10%	25 Years	2% of loan amount
Aditya Birla Housing Finance Home Loan	₹50 Crores	7.75%	20 Years	0.25% to 1.50%

*Disclaimer: The mentioned details are subject to change at the lender's discretion.

Home Loan EMI Calculator

A home loan EMI calculator helps you estimate your monthly instalment before applying for a loan. By entering the loan amount, interest rate, and tenure, you can understand how much you need to repay every month.

Your Home Loan EMI

₹ 7,843

Total Interest Amount

₹ 882,388

Principal Amount

₹ 10,00,000

Total Payable Amount

₹ 18,82,388

Loan Amount

Min Max

Interest Rate

- +

Tenure

- +

Calculate Now

You can also make instant comparisons between loan offers from multiple Home Loan providers on Bajaj Markets.

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Year	EMI	Principal	Interest	Balance

Eligibility Criteria for a Home Loan in Gurgaon

To apply for a home loan in Gurgaon on Bajaj Markets, you need to meet the lender’s eligibility criteria. While requirements may vary, the basic conditions are as follows:

Salaried Individuals

Residential Status: Indian
Age: 21 to 67 years
Work Experience: Minimum 3 years
Credit Score: As per lender requirements

Self-Employed Individuals

Residential Status: Indian
Age: 23 to 70 years
Work Experience: Minimum 5 years in business or profession
Credit Score: As per lender requirements

Documents Required for a Home Loan in Gurgaon

To complete your home loan application, you need to submit a few key documents. Keeping these ready in advance can help speed up the approval process:

Identity Proof (Any One)

PAN card
Aadhaar card
Voter ID
Driving licence

Address Proof (Any One)

Aadhaar card
Passport
Recent utility bills (electricity, water, or gas)

Income Documents for Salaried Applicants

Salary slips for the last 3 months
Form 16
Income Tax Returns (ITR) for the last 2 years

Income Documents for Self-Employed Applicants

ITR for the last 2 years
Audited balance sheet certified by a CA
Profit and loss statements for the last 3 years
Business licence details
TDS certificates

Providing complete and accurate documents can help ensure a smoother and faster loan application process.

How to Apply for a Home Loan in Gurgaon Online

You can apply for a home loan in Gurgaon on Bajaj Markets in a few simple steps:

Click here to get started with your home loan application
Choose the loan type, such as a new home loan
Fill in the online form with your basic personal details
Accept the terms of use and privacy policy
Click on ‘Apply Now’ and follow the on-screen instructions

After submitting the application, the lender will review your details and guide you through the next steps based on your eligibility.

PMAY and Government Subsidy on Home Loans in Gurgaon

The Pradhan Mantri Awas Yojana (PMAY) is a government scheme that provides interest subsidies on home loans to make housing more affordable. It is mainly available to eligible first-time homebuyers and can help reduce the overall loan cost. The benefit depends on your income category and eligibility as per the scheme guidelines.

Tax Benefits on Home Loans in Gurgaon

Home loans provide tax benefits under the Income Tax Act, 1961, making them a financially efficient way to fund property purchases.

These benefits apply only when you meet the relevant conditions under the law:

Component	Relevant Section	Key Benefit
Principal repayment	Section 80C	Deduction available within the overall ₹1.5 Lakhs limit.
Interest payment	Section 24(b)	Deduction available on home loan interest, subject to the applicable cap and property type.
Additional benefit	Section 80EEA	Available only to eligible first-time homebuyers under specified conditions.

Note: Tax benefits are subject to eligibility, property type, and usage (self-occupied or let out). It is advisable to check applicable rules at the time of filing returns.

Home Loan in Gurgaon: Fees and Charges

When applying for a home loan, it is important to consider the additional costs involved apart from the interest rate.

These charges can vary across lenders:

Charge Type	What It Covers
Processing Fee	Fee charged for evaluating your loan application
Prepayment/Foreclosure	May apply depending on loan terms
Late Payment Charges	Applicable on missed or delayed EMIs
Legal and Technical Charges	Property verification and documentation checks
Other Charges	Administrative or service-related costs


Property Tax Hyderabad	Home Loan for Women
Joint Home Loan	Home Loan Down Payment
Home Loan Sanction Letter	Types of Home Loan

Frequently Asked Questions

Can I get a home loan in Gurgaon if my salary is ₹40,000?

Yes, you may be eligible for a home loan depending on factors such as your income stability, existing financial obligations, credit score, and the loan amount you apply for.

What is the repayment tenure for a housing loan in Gurgaon?

Repayment tenure depends on the lender and your eligibility. Home loans typically come with flexible tenures, allowing you to choose a duration that suits your financial situation.

How much is the down payment on a home loan in Gurgaon?

The down payment is usually a percentage of the property value, as lenders finance a portion of the cost. The exact amount depends on the lender’s policies and the type of property.

How long does it take to get a housing loan in Gurgaon?

The timeline varies depending on the lender and your documentation. Approval may take a few days, while disbursal depends on legal and property verification.

How to get a home loan with a low CIBIL score in Gurgaon?

If you have a low credit score, you may still be eligible depending on the lender’s criteria. Improving your credit profile, reducing existing liabilities, or applying with a co-applicant may improve your chances.

Can I get a home loan in Gurgaon as a self-employed applicant?

Yes, self-employed individuals can apply for home loans. Lenders assess factors such as business stability, income proof, and repayment capacity.

Can NRIs apply for a home loan for property in Gurgaon?

Yes, NRIs can apply for home loans to purchase property in Gurgaon, subject to lender eligibility criteria and documentation requirements.

Can switching your home loan in Gurgaon reduce your EMI?

Yes, switching your home loan to another lender—also known as a balance transfer—can help reduce your EMI if the new lender offers a lower interest rate. You may also get better terms such as a longer tenure or reduced processing fees.

However, before going ahead with a home loan balance transfer, it’s important to compare the overall cost, including any charges involved, to ensure it actually benefits you.