Terms and conditions

We help people in and around Bengaluru find and apply for home loans and related loans from banks, NBFCs and housing finance companies. That includes properties with A Khata, B Khata, e‑Khata, manual Khata and panchayat records.

Our service can include: understanding your requirement; an eligibility check; reading your property papers to see which lenders may consider them; comparing lenders; preparing your file; submitting it to the lenders you choose; and following up with the lender, its lawyer and valuer until a decision or disbursal.

We are not a bank, NBFC or lender. We do not lend money, take deposits, issue sanction letters or guarantee any loan.

Our help is free for you as a borrower: the eligibility check, the lender comparison, file preparation and follow-up. We do not charge you a fee.

We compare 20+ banks and NBFCs for you. You may ask us at any time which lenders we work with.

Lenders charge their own fees and costs, which are not ours and are paid to them or to the government: for example processing fees, legal and technical (valuation) fees, stamp duty and registration charges, insurance you choose to take, and any charges in the lender's loan agreement. We tell you about these as far as we know them before you apply, but the lender's sanction letter and loan agreement are final.

We will never ask you to pay any fee, deposit or “approval charge” to us, or into anyone's personal bank account or UPI ID. If someone does this in our name, don't pay, and report it to us on 99167 40560.

Every loan is subject to the lender's own eligibility rules, credit assessment, KYC, legal and technical verification, and final approval. The lender alone decides whether to lend, how much, at what rate, for how long and on what terms.

We give our honest view of which lenders may consider your case, based on our experience and the information you give us. That view is not a promise of approval, rate, amount or timing.

Your loan agreement is between you and the lender. Questions about sanction, rate, charges, disbursal, EMIs or closure are governed by that agreement and the lender's own grievance process.

• Give us accurate, complete and current information and genuine documents. Lenders verify everything, and false information can lead to rejection or legal action.
• Only share another person's details (for example a co-applicant's) with their knowledge and agreement.
• Read the lender's sanction letter, loan agreement and fee schedule before you sign, and ask questions.
• Get independent legal advice on the property's title and approvals. A lender's legal check is for the lender's purposes, not a legal opinion for you.
• Don't misuse the website: no spam, scraping, automated form submissions, attempts to break security, or unlawful content.

Interest rates shown on this site are indicative ranges. They change often, differ by lender, borrower and property, and are not an offer of credit.

The EMI calculator, worked examples and checkers are illustrations. Their results depend on the numbers and answers you enter and on assumptions we state; your actual EMI, eligibility and loan amount are set by the lender.

Information about Khata, e‑Khata, e‑Swathu, approvals and property rules is general guidance based on our understanding of current practice. It is not legal advice and may change. Please see our disclaimer.

The text, design, graphics and code of this website belong to us or our licensors. You may read, share links to and print pages for your own, non-commercial use. Please don't copy or republish our content without permission.

Bank and lender names and logos belong to their owners. We show them to identify lenders we work with or compare; their use does not mean the lender endorses this website.

Our pages link to other services, such as WhatsApp, Google Maps, social media and lender or government portals. We don't control those websites and aren't responsible for their content, availability or privacy practices.

We provide our advice with reasonable care and skill. To the extent the law allows, we are not liable for: a lender's decision, delay, change in terms or conduct; losses caused by inaccurate or incomplete information you gave us; indirect or consequential losses; or interruptions to this website.

Nothing in these terms limits any right you have under the Consumer Protection Act, 2019 or any other law that cannot be excluded.

We handle your personal data as explained in our privacy policy, in line with the Digital Personal Data Protection Act, 2023. By sending an enquiry you consent to us contacting you and sharing your details with the lenders you agree to, for your loan.

If you are unhappy with our service, please tell us first through our grievance contact. We will try to put it right.

These terms are governed by the laws of India. Subject to any right you have to approach a consumer commission, the courts at Bengaluru, Karnataka have jurisdiction over any dispute arising from them.

Call or WhatsApp 99167 40560 (Open all 7 days, 10:00 AM – 7:00 PM), email loans@housingloaninbangalore.in, or visit us at No. 62, The High Street, 11th Main Road, Jayanagar 4th Block, Jayanagar, Bengaluru, Karnataka 560011.