Home Loan
A home loan helps you purchase, construct, or renovate a residential property. With interest rates at historic lows and tenure up to 30 years, owning your dream home is more affordable than ever. SARAA compares offers from 30+ banks to lock the best rate for your profile.
Eligibility & Rates
Personal Loan
Get instant funds without pledging any collateral. Personal loans are disbursed quickly and can be used for any personal requirement — from medical emergencies to foreign travel.
Business Loan
Unsecured business loans provide quick access to working capital without pledging any assets. Ideal for business expansion, inventory purchase, equipment, marketing, or hiring — with minimal documentation and fast disbursal.
Loan Against Property (LAP)
Loan Against Property allows you to pledge your residential or commercial property as collateral to avail a secured loan at lower interest rates. The loan can be used for any purpose — business expansion, education, medical expenses, or debt consolidation.
- Loan amount: ₹5 lakhs to ₹10 crore
- Interest rate: 8.5% to 12% p.a.
- LTV: 50–70% of property market value
Car Loan
Finance your new or pre-owned car with competitive interest rates, flexible EMI options, and up to 100% on-road price funding. SARAA partners with 20+ banks and NBFCs to get you the best deal.
Balance Transfer
A balance transfer (BT) allows you to transfer your existing loan to another lender offering a lower interest rate. This can save you lakhs in interest over the remaining tenure — especially for large loans like home loans and LAP.
Loan Type Comparison
| Loan Type | Collateral Required | Typical Interest Rate | Max Tenure | Processing Speed |
|---|---|---|---|---|
| Home Loan | Yes (Property) | 8.25% - 9.50% | 30 Years | 1-3 Weeks |
| Loan Against Property | Yes (Property) | 8.5% - 12% | 15-20 Years | 1-2 Weeks |
| Personal Loan | No | 10.5% - 24% | 5-7 Years | 1-2 Days |
| Business Loan | No | 14% - 24% | 3-5 Years | 2-5 Days |