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Home Loan In Mumbai

Looking to buy a home in Mumbai? Turn your dream into reality with a home loan designed for your needs. Get attractive interest rates, flexible tenures, and a smooth application process with Sammaan Capital.

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*8.75% p.a. Starting interest rates
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10,000+ Approved Projects
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Zero Hidden Charges

* The final rate of Interest will depend upon Profile, Loan amount, tenure, property type and other risk parameters.

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Why Choose Sammaan Capital

Sammaan At Our Core And Actions Sammaan Capital stands as a trusted partner, respecting and nurturing millions of dreams of home and business. With us, every handshake is a promise, and every loan a foundation of respect for uniting dreams with opportunities for all.

WE’VE HELPED OVER

1.4 Million+ users

with their Home Loan requirements

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Leading Mortgage-Focused

NBFC in India

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200+

Offices Nationwide

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₹0.70 Trillion

Balance Sheet Size

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25+ Years

Housing Finance Expertise

Know Your Numbers, Before You Apply

Our Branches In Mumbai

Visit your nearest Sammaan Capital branch in Mumbai for personalized assistance with your home loan application.

Why Invest In Real Estate In Mumbai

Benefits Of Investing

Plan your finances with fixed instalments.

Economic Hub

Economic Hub

Mumbai is the financial capital of India, home to major banks, financial institutions, and the Bombay Stock Exchange

Educational Excellence

Educational Excellence

With prestigious universities and research institutions, Mumbai attracts students nationally and internationally

Tourism and Entertainment Hub

Tourism and Entertainment Hub

Mumbai's appeal boosts demand for short-term rentals and hospitality-focused real estate investments.

Standard of Living

Standard of Living

Mumbai offers many high-end shopping malls, restaurants, and cultural venues, attracting affluent buyers and renters seeking a premium lifestyle.

Demand for Office Space

Demand for Office Space

The city's growth as a tech and startup hub has led to a surge in demand for office spaces

Well-connected

Well-connected

From local trains to Metros, and even Monorails, Mumbai ensures people can travel from point A to point B without too much hassle.

Economic Hub

Economic Hub

Mumbai is the financial capital of India, home to major banks, financial institutions, and the Bombay Stock Exchange

Educational Excellence

Educational Excellence

With prestigious universities and research institutions, Mumbai attracts students nationally and internationally

Tourism and Entertainment Hub

Tourism and Entertainment Hub

Mumbai's appeal boosts demand for short-term rentals and hospitality-focused real estate investments.

Standard of Living

Standard of Living

Mumbai offers many high-end shopping malls, restaurants, and cultural venues, attracting affluent buyers and renters seeking a premium lifestyle.

Demand for Office Space

Demand for Office Space

The city's growth as a tech and startup hub has led to a surge in demand for office spaces

Well-connected

Well-connected

From local trains to Metros, and even Monorails, Mumbai ensures people can travel from point A to point B without too much hassle.

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Key Features And Benefits Of Home Loan

Attractive Interest Rates

Get competitive home loan interest rates designed to keep your EMIs affordable.

Higher Loan Eligibility

Maximize your borrowing capacity based on your income and financial profile.

Quick Processing

Enjoy a streamlined application and approval process for faster loan disbursal.

Instant Sanction

Get quick approvals subject to eligibility and documentation.

Home Loan Interest Rate In Mumbai

Sammaan Capital offers competitive and transparent home loan interest rates in Mumbai, helping you plan your finances effectively.

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8.75%*

Home Loan ranging from

* The final rate of Interest will depend upon the Income profile, Loan amount, Tenure, Credit score and Property type.

Fixed Interest Rate

Remain constant for the entire loan tenure

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EMI remains constant throughout tenure
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Better financial planning

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Protection from market fluctuations

Floating Interest Rate

Follow market rates, causing EMI changes.

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Interest linked to market conditions
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Opportunity to benefit from rate reductions

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Flexible repayment structure

Documents Required For Home Loan In Mumbai

    To apply for a home loan in Mumbai, you need to submit basic documents for identity, income, and property verification.

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Current Passport size photograph of all Applicants

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Duly filled & signed Application Form

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Proof of Identity: Aadhaar card/ Passport/ Driving License/ Voter ID PAN Card)

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Property documents: True Copies, Sale Deed, Khata, Transfer of Ownership, NOC from builder / Housing Society (Original Copy), Land Tax Paid Receipt, Possession Certificate.

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Processing Fee cheque

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Income Documents: Duly attested

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Form 26AS

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Form 16

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Bank statement of last 6 months

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Offer letter

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2 years IT return with computation

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Profit and loss of last 2 years

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Qualification proof

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Balance sheet of last 2 years

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Bank statement of last 12 months

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2 years IT Return with computation

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Profit and loss of 2 years

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Qualification proof

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Balance sheet of 2 years

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Bank statement of last 12 months

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Gumasta license

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Salary slips of last 6 months

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Passport

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1-year Bank statement for NRE/NRO Account

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CDC (Continuous Discharge Certificate)

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Last 3 years contract copy

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Form 16 for 2 years with computation

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Sanction Letter / Account Statement of running loans and bank statements reflecting loan repayments

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Bank statement for payment made to the builder (Own Contribution)

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In case of recent employment, submit Form 16

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If the property is decided then submit a photocopy of property title documents.

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Current Passport size photograph of all Applicants

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Duly filled & signed Application Form

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Proof of Identity: Aadhaar card/ Passport/ Driving License/ Voter ID PAN Card)

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Property documents: True Copies, Sale Deed, Khata, Transfer of Ownership, NOC from builder / Housing Society (Original Copy), Land Tax Paid Receipt, Possession Certificate.

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Processing Fee cheque
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Income Documents: Duly attested

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Form 26AS

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Form 16

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Bank statement of last 6 months

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Offer letter
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2 years IT return with computation

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Profit and loss of last 2 years

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Qualification proof

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Balance sheet of last 2 years

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Bank statement of last 12 months
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2 years IT Return with computation

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Profit and loss of 2 years

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Qualification proof

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Balance sheet of 2 years

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Bank statement of last 12 months

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Gumasta license
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Salary slips of last 6 months

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Passport

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1-year Bank statement for NRE/NRO Account

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CDC (Continuous Discharge Certificate)

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Last 3 years contract copy

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Form 16 for 2 years with computation
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Sanction Letter / Account Statement of running loans and bank statements reflecting loan repayments

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Bank statement for payment made to the builder (Own Contribution)

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In case of recent employment, submit Form 16

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If the property is decided then submit a photocopy of property title documents.

Steps To Apply For A Home Loan In Mumbai

Easy Application

Begin your journey with just a few details. Our guided steps ensure a smooth start towards owning your dream home.

Hassle-Free Documentation

Start the documentation process effortlessly. Submit the necessary information and let us handle the rest.

Quick Sanction

Move swiftly from application to approval. Our quick sanction process ensures your dream home is just a few steps away.
Step 1
Step 2
Step 3
Maximise Loan Eligibility
Unlock your potential and qualify for higher loan amount
100% Online
Simple, secure & quick process trusted by home buyers nationwide
Apply Now

Prefer To Apply For A Home Loan In Mumbai  In Person?

Visit your nearest Sammaan Capital branch in Mumbai and get expert assistance from our relationship managers.

Home Loan Processing Fees And Charges In Mumbai

Sammaan Capital maintains a transparent fee structure for home loans in Mumbai, ensuring clarity at every stage.

Processing Fees

0.50% onwards of loan amount

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Database Admin Fee (Including Taxes)

INR 650/- (plus applicable taxes and other bona fide levies, if any)

Legal

Transaction handling charges in balance transfer/ resale loans

INR 2000/-

Paper

Technical /Valuation and Legal opinion charges, SRO search charges, ROC search charges, non-encumbrance certificate from SRO charges

INR 3000/-

Stamp Paper

Stamping charges of loan agreement

As per actual, subject to state laws - to be borne by the borrower

Shipping Charges

Stamping charges of other legal documents like indemnity bond, legal undertakings, legal affidavits, personal guarantee bond, power of attorney for NRI home loans etc.

As per actual, subject to state laws - to be borne by the borrower

Registration charges for borrowers’ NACH / ECS mandate (loan repayment)

NIL

Cheque / NACH / ECS dishonor charges and/or Cheque/NACH returned/ Non-payment of EMI

INR 500/-

Penal Charges

In case of payment defaults - 24% (twenty four percent) per annum on outstanding of EMI/ Pre-EMI.In case of other defaults/Event of Default - 2% (two percent) per annum on the outstanding amount of loan

Charges for physical Statement of Account/ Amortization Schedule

INR 200/-

Income tax certificate in home loans

NIL

Complaint handling charges

NIL

Property Swap Charges (Swapping is at discretion of SCL)

INR 10000/-

Charges for Reissuance of pay order/ disbursement cheque revalidation

INR 500/-

Foreclosure statement Charges

INR 500/- (Nil, if requested once in quarter)

List of Documents

INR 1000/- (Nil, if requested within initial 6 months of 1st disbursement)

Retrieval charges for copies of loan/ property document in SCL custody

INR 750/-

Charges for certified true copies of title deeds from SRO, if applicable

As per actual

Original property documents retrieval for specific activity like production at SRO or development authority (on borrower request)

INR 5,000/- (plus applicable taxes and other bona fide levies, if any)

Repayment Mode/ Account Swap Charges

INR 500/-

Charges for non-collection of property documents beyond 30 days from the date of full repayment / settlement of the Loan

INR 500/- per month or part thereof

NeSL IU Service Charges

As per actuals charged by NeSL

ROI switch fee

Home Loan - 25% onwards of the difference between the existing and revised rate

Get Home Loan In Your City

Home Loans For Different Budgets

5 Cr

Home Loan Up to

3 Cr

Home Loan Up to

2 Cr

Home Loan Up to

1 Cr

Home Loan Up to

80 L

Home Loan Up to

50 L

Home Loan Up to

20 L

Home Loan Up to

10 L

Home Loan Up to

Find The Right Loan for You

Real Stories From Real Home Loan Customers

Self Employed Man
star icon star icon star icon star icon star icon 4.7 /5

Minimal paperwork, maximum trust

Sammaan Capital helped me get my required loan amount with minimal paperwork and very little guarantee from my side.

Salaried Man Home loan
star icon star icon star icon star icon star icon 4.8 /5

Quick approvals for the home you deserve

Sammaan Capital helped me buy a 2BHK home. The loan process was very easy with very less paperwork and was approved in really quick time.

Self Employed Women LAP
star icon star icon star icon star icon star icon 5 /5

Trust that fuels business growth

Sammaan Capital trusted my journey and approved my required loan amount with limited funding. I sincerely thank Sammaan Capital for believing in me and helping my business grow.

Self Employed Man Home loan
star icon star icon star icon star icon star icon 5 /5

A home, built on trust and support

Sammaan Capital fulfilled mine as well as my parents’ long‑standing wish of owning a home with ease. Their team was supportive, transparent, and handled the entire process smoothly without unnecessary hassle

Self Employed | Man | LAP
star icon star icon star icon star icon star icon 5 /5

Turning your own land into a happy home

Sammaan Capital helped us to build our own house on our own land without any stress. The loan process was very easy and the employees were very supportive to process my loan.

Frequently Asked Questions

Loans, eligibility, EMIs, documents, process, and support—explained simply.

Understand Loan. Choose Better.

Simple guides and expert insights to help you understand loans and make better financial decisions

7 min
03 November 2026
Why Take a Loan Against Property for Expanding Your Business This Diwali?

Diwali is the busiest, most hopeful stretch of the year for many business owners, and it is often the moment a growing business feels ready for its next step...

7 min
03 November 2026
Why is Diwali the Perfect Time to Apply for a Home Loan?

Diwali is a season of fresh starts, and for many families the biggest fresh start of all is moving into a home of their own.

5 min
03 November 2026
Home Loan Eligibility Based on Salary: Salaried vs Self Employed

When you apply for a home loan, one of the first things a lender works out is your home loan eligibility based on salary or, if you run your own business, your income.

5 min
02 November 2026
What is a Good CIBIL Score for Home Loan in India?

Your CIBIL score is one of the first things a lender checks when you apply for a home loan, so it is natural to wonder what counts as a good CIBIL score for a home loan in India.

5 min
02 November 2026
What is Home Loan EMI? Calculation, Formula & How It Works in India

Before you sign for a home loan, there is one figure that will sit in your monthly budget for years to come: the home loan EMI.

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7 min
03 November 2026
Why is Diwali the Perfect Time to Apply for a Home Loan?

Diwali is a season of fresh starts, and for many families the biggest fresh start of all is moving into a home of their own.

5 min
03 November 2026
Home Loan Eligibility Based on Salary: Salaried vs Self Employed

When you apply for a home loan, one of the first things a lender works out is your home loan eligibility based on salary or, if you run your own business, your income.

5 min
02 November 2026
What is a Good CIBIL Score for Home Loan in India?

Your CIBIL score is one of the first things a lender checks when you apply for a home loan, so it is natural to wonder what counts as a good CIBIL score for a home loan in India.

5 min
02 November 2026
What is Home Loan EMI? Calculation, Formula & How It Works in India

Before you sign for a home loan, there is one figure that will sit in your monthly budget for years to come: the home loan EMI.

6 min
02 November 2026
First Time Home Buyer Loan Guide: How to Get a Home Loan?

Buying your first home is one of life's biggest milestones, and the home loan that makes it possible can feel just as big.

5 min
02 November 2026
When Does Home Loan EMI Start? A Complete Guide for Borrowers

Many borrowers assume their home loan EMI begins the moment the loan is approved, only to be surprised by when the first payment is actually due.

6 min
21 October 2026
What is a Home Loan Amortisation Schedule and How to Calculate It?

Understand how each EMI is divided between interest and principal, and how your loan balance reduces over time.

6 min
02 November 2026
How to Plan for a Down Payment on a Home Loan?

Before your home loan is even approved, there is one amount you must fund entirely on your own: the down payment.

5 min
18 September 2026
How to Apply for Home Loan in India 2026? A Complete Guide

Applying for a home loan in India is simpler than most people expect, and this complete 2026 guide walks you through every step from eligibility to final approval.

5 min
21 September 2026
Home Loan vs Personal Loan: Key Differences, Pros, Cons & Which One to Choose

Home loans and personal loans serve very different needs, and knowing how they compare on cost, tenure, and eligibility helps you pick the right one for your goal.

6 min
28 September 2026
What is the Home Loan Eligibility Criteria in India?

Before you apply for a home loan, it helps to know whether you qualify, and this guide breaks down the key eligibility criteria lenders in India look for.

6 min
29 September 2026
Home Loan Tenure: What is the Maximum & Minimum Tenure for a Home Loan?

Understand the maximum and minimum home loan tenure available, and learn how choosing the right repayment period can impact your EMIs, interest outgo, and overall borrowing experience.

7 min
23 October 2026
What is the Minimum CIBIL Score Required for a Home Loan in India?

Your CIBIL score is one of the first things a lender checks, so it helps to know what score puts you in a strong position.

6 min
05 October 2026
What are the Different Types of Home Loans in India?

A home loan is not a one-size-fits-all product. Whether you are buying your first flat, building a house on your own plot, renovating an old home, or moving a loan you already have, there is a type of home loan built for that exact goal.

5 min
23 October 2026
How to Improve Your Home Loan Eligibility?

A few simple steps can strengthen your profile and help you qualify for the home you want.

7 min
20 August 2026
5 Step Guide To Ease The Home Loan Process

Getting a home loan is simpler than it seems, and knowing the key steps makes the whole process faster, clearer, and stress-free.

9 min
08 September 2026
Home Loan Tax Benefits: How to Maximise Tax Savings in India

Your home loan doesn't just get you a home, it can also save you thousands in tax every year, and here's how to claim it all.

8 min
20 August 2026
Why Should You Consider Buying a Home at a Young Age?

Buying a home is one of the biggest financial decisions you'll make. Starting early can offer several benefits, from easier loan management to long-term wealth creation and financial security.

5 min
20 August 2026
How to Plan and Buy Your Dream Home in 6 Simple Steps

Buying your dream home is easier when you follow a few simple steps. Start by understanding your budget and how much you can afford.

9 min
08 September 2026
Loan Disbursement Guide: Types, Process, and Fees

Loan disbursement or loan disbursal is when the lender releases the approved amount to the borrower or sometimes a third party.

6 min
24 September 2026
Should You Take a Home Loan? Pros, Cons & Things to Consider

A home loan makes buying your dream home possible, but is it the right move for you? This guide covers the pros, cons, and key things to consider before you borrow.

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