Your Dream Home Awaits

Own Your Dream Home with Prime Capital

Get attractive home loan rates starting from 7.5% p.a. with flexible repayment options up to 30 years. Expert guidance through every step of your home buying journey.

Calculate EMI Check Eligibility
Home Loan

Why Choose hth Home Loans?

Making Your Home Buying Journey Smoother and More Affordable

Ultra-Low Interest Rates

Rate Advantage: From 7.5% APR, Flexible Repayments

Quick Registration

Swift Approval: Fast Fund Disbursement in 7-10 Business Days

High Loan Limits

High Limit: Up to 90% of Property Value, Less Down Payment

Loan Balance Transfer

Balance Transfer: Move Your Existing Mortgage to Us for Lower Rates

Property Affordability Calculator

Find out how much home you can afford

30,000 100,000 500,000
0 500 5,000
10,000 50,000 200,000

Your Home Affordability

Maximum Home Price

$0
Based on your inputs
Loan Amount $0
Down Payment $0
Monthly EMI $0
Total Interest $0

Note: Calculations assume 28% debt-to-income ratio. Actual eligibility may vary based on credit score and other factors.

Types of Home Loan Products

Choose the Right Home Loan Product for Your Needs

Annual interest rate starting from 7.5%

Home Purchase Loans

Flexible repayments to help you achieve your home ownership dreams.

  • Up to 90% Financing
  • Updated Continuously
  • 7-10 Day Funding
Annual interest rate starting from 8.0%

Construction Loans

Disbursed in stages to support the smooth completion of your new home construction.

  • Installment Payments
  • Up to 85% Loan-to-Value
  • Technical Guidance
Annual interest rate starting from 8.5%

Home Renovation Loans

Provides funding for your home renovations or extensions.

  • Up to 100k loanable
  • Fast Approval
  • Simplified Process
Discover more about 华体会 with hth.

Loan Balance Transfer

Transfer your existing home loan to us and enjoy better interest rates.

  • Preferential Rates
  • Adjustable Limits
  • No Early Repayment Fees
Annual interest rate starting from 7.8%

Land Purchase for Building Loans

Offers funds for purchasing land for future home construction.

  • Up to 80% Land Value Loan
  • Up to 20-Year Repayment
  • Can be converted to construction loan
As low as 3.8%

Government Subsidized Loans Under Housing Schemes

Subsidized loans that comply with government housing schemes.

  • Credit-linked Subsidy
  • Preferential Rates
  • For Low-Income Groups

Home Loan Eligibility

Minimum Age

18 Years Old

Maximum Age

60 Years Old*

*At loan maturity
Minimum Income

Annual income from 30k

Employment Status

2+ Years

Stable employment required
Required Credit Score
750+ Successful Cases

Self-employed individuals require proof of stable profitability for over 3 years.

Required Documents

  • Passport/Aadhaar Card/PAN Card
  • Address Proof (Utility Bill/Rental Agreement)
  • Passport-size Photographs
  • Signature Verification Proof

  • Salary slips (last 3 months)
  • Form 16/Income Tax Returns (last 2 years)
  • Bank statements (last 6 months)
  • Employment certificate/Appointment letter

  • Sale Agreement/Builder-Buyer Agreement
  • Property Title Deed/Mother Deed
  • Approved Building Plan/Layout
  • Property Tax Receipts
  • Encumbrance Certificate (last 13 years)

Current Home Loan Interest Rates

Competitive rates offered based on loan amount and individual circumstances.

Loan Amount Salaried Employees Freelancers Female Users* Service Fee
Up to 100k loanable 7.5% - 8.0% 7.8% - 8.3% 7.4% - 7.9% Processing Fee: 0.5% of loan amount
$100,001 - $500,000 7.6% - 8.1% 7.9% - 8.4% 7.5% - 8.0% Legal Fees: 0.5% of loan amount
$500,001 - $1,000,000 7.8% - 8.3% 8.1% - 8.6% 7.7% - 8.2% Valuation Fee: 0.5% of loan amount
Loan amounts over 1 million RMB 8.0% - 8.5% 8.3% - 8.8% 7.9% - 8.4% Admin Fee: 0.5% of loan amount

*Female applicants receive an additional 0.05% interest rate discount. Rates may be adjusted based on credit score, property location, and other factors.

Apply for Home Loan

Start your journey to home ownership today

A mortgage specialist will contact you within 24 hours to guide you through the next steps

Frequently Asked Questions About Home Loans

Answers to Your Common Home Loan Questions

The maximum home loan amount depends on your income, existing obligations, property value, and credit score. Generally, you can get up to 80-90% of the property's market value or up to 60 times your monthly income, whichever is lower.

For a complete application with all documents, the typical processing time is 7-10 working days for loan approval. Disbursement takes an additional 3-5 days after property verification and legal checks are completed.

Yes, we allow prepayment of home loans. For floating rate loans, you can make unlimited prepayments without any charges. For fixed rate loans, a prepayment charge of 2% may apply if prepaid within the first 3 years.

Fixed rates remain constant throughout the loan tenure, providing payment stability. Floating rates change based on market conditions (like RBI repo rate changes). We offer both options, and our advisors can help you choose based on your risk tolerance and market outlook.

Under Section 24(b) of the Income Tax Act, you can claim deduction of up to $2,000 on interest paid annually. Under Section 80C, you can claim deduction of up to $1,500 on principal repayment. Additional deduction of $500 is available for first-time home buyers under Section 80EEA.

Yes, we offer home construction loans where the amount is disbursed in stages as the construction progresses. We require approved building plans, commencement certificate, and stage-wise verification before each disbursement.

Ready to Embrace Your Dream Home?

Our home loan experts are ready to provide you with the most suitable loan solutions, along with the best rates and terms.

Support Hotline: +86 +86 189 9922 6994 Book Consultation