Home Loan in Gurgaon

Apply for a Home Loan in Gurgaon to enjoy attractive interest rates with flexible EMI Options

Housing Loan in Gurgaon

Gurgaon is India’s second-largest IT hub. But with the rising population and real estate prices, owning a home in Gurgaon might seem like a far-fetched dream. But, not anymore! Get a home loan in Gurgaon with Navi in a 100% paperless manner.

Navi offers housing loans in Gurgaon at attractive interest rates starting from 8.45% p.a. and flexible EMI options with a loan tenure of up to 30 years. Just download the Navi app and apply! The entire process is online and just takes a few minutes.

Gurgaon in Haryana is one of the fastest emerging IT and commercial hubs in India. Being in the proximity of the country’s capital, it provides efficient connectivity and transport options. Investing in a property in Gurgaon will be a good idea as it will yield higher returns in future. Properties in Gurgaon come with modern amenities and facilities offered by prominent real estate builders. This city also offers good options for fun activities and weekend getaways.

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Home Loan in Gurgaon Details

Owning a home in Gurgaon is easier with Navi. Navi offers one of the best home loan interest rates in Gurgaon and flexible EMI options. Here are the details of Navi Home Loan:
Loan AmountUp to ₹5 Crore
Loan TenureUp to 30 Years
Interest Rate8.45% p.a.
Processing FeeNil

Home Loan in Gurgaon - Features and Benefits

Navi is one of the leading home loan providers in Gurgaon. Here are its features and benefits:
Navi offers home loans of up to ₹5 Crore within minutes
The entire process is online. Just download the Navi app and apply!
Navi doesn’t charge a processing fee on home loans. Get the exact amount

Navi offers home loans at attractive interest rates starting from 8.45% p.a.

You can enjoy flexible EMI options with Navi home loans as the tenure is extendable up to 30 years.
Navi does not mandate buying home loan insurance for its customers.
Navi offers instant approval and disbursal of home loans of up to ₹5 crore.

Home Loan in Gurgaon - Features and Benefits

HL City Features&Benefits

Home Loan Interest Rate in Gurgaon With Other Charges

HL City InterestRate&Charges

Home Loan Interest Rate in Gurgaon with Other Charges

Get fast approval of home loans in Gurgaon with Navi. There are no hidden charges associated. The policy is transparent to the customers. Here are the associated charges:

Get a home loan in Gurgaon with Navi at attractive interest rates. No hidden charges are applied, making Navi Home Loan one of the best home loans in Gurgaon.

Avail of a home loan at attractive interest rates starting from 8.45% p.a.

Navi does not charge any processing fee. Get the exact amount you wish to borrow
No foreclosure charges for closing your loan early. Prepay your loan as per your convenience

Home Loan EMI Calculator

Getting a home loan in Gurgaon is very helpful. However, plan your finances to know your monthly EMI obligations. Use the Navi Home Loan EMI Calculator to know EMI payable. Just enter your interest rate, loan amount and tenure. The online EMI calculator will display the EMI amount within seconds.

The formula for manual EMI calculation of EMIs is:

EMI = P x R x (1+R)^N / [(1+R)^N-1]

Here, P denotes the loan principal, R is the monthly rate of interest divided by 100 and N is the number of EMIs payable.

Where, P = Principal loan amount, N = Loan tenure in months, R = Monthly interest rate
The rate of interest on your home loan is calculated monthly.

For example, say you have taken a home loan of ₹60 lakh at an interest rate of 7.39% and with a tenure of 10 years. Your monthly EMI would be:

EMI = {6000000 x 0.00615 x (1+0.00615)^120} / {(1 + 0.00615)^120 – 1} = ₹70,877

Loan Amount

Rate of Interest (P.a)


Loan Tenure (Years)


Monthly EMI


Total Interest

Total Amount

Home Loan Amortization

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How to Apply for Home Loan in Gurgaon

How To Apply

How to Apply for Home Loan in Gurgaon

Apply easily for a home loan in Gurgaon through the Navi app. Just follow these steps:
Download and instal the Navi app from the Play Store or App Store
Enter your name, date of birth and email
Enter your employment details such as monthly salary, company name, PAN card, etc.
Select the city you live in
Complete your KYC verification with PAN, Aadhaar and bank statement
Get provisional loan sanction letter

Housing Loan Eligibility in Gurgaon

Resident Indians are eligible to apply for a home loan with Navi
Any individual between the age of 25 and 62 years is eligible to apply for a home loan
Any self-employed or salaried individual can apply

Housing Loan Eligibility in Gurgaon

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Documents Required for Home Loan in Gurgaon

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Documents Required for Home Loan in Gurgaon

Avail of a home loan with minimal documentation. Just provide the following documents to complete your KYC verification:

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Enjoy attractive interest rates starting at 8.45% p.a. with flexible EMI options.

What our customers say about us

I had experience with two home loans in the past and I have wasted a lot of time into providing unnecessary documents. With Navi, I was surprised how convenient it was. I would highly recommend Navi to anyone looking for a home loan.
Navi made the process of securing a home loan very easy. everything was available at fingertips. Legal verification and valuation of the property went smoothly. Digital process really made the mortgage process simple.
Highly recommend this for home loan. Good interest rates, transparent process and fees. Whole process is streamlined and most of it is done online. Had a great experience!

Frequently asked questions

Failing to make EMI payments on time will negatively impact your credit score. The lender might also levy late penalties and can even take legal actions, if necessary. A low credit score and faulty repayment history will also negatively impact your future loan approvals.
If you are planning to take a home loan, you should keep two things in mind before choosing your lender – clarity and affordability. With Navi, you get both of these and more. Navi processes its home loans online, which makes the entire loan process less time-consuming and easier. In addition, Navi offers home loans with attractive interest rates, starting from 7.39% p.a. and repayment tenure of up to 30 years.
A top-up loan is an added loan. For example, if you have an ongoing home loan and have been paying your EMIs without any default, you can apply for a top-up loan. This amount will be equal to the amount you have already paid off of the existing loan. Top-up loans can be used for varied reasons, have lower interest rates than personal loans and require minimal paperwork.
A balance transfer is a process of transferring your remaining loan balance from your existing lender to another lender. Usually, borrowers tend to transfer the outstanding balance of their loan to another lender for a better interest rate. The maximum repayment term that a borrower can avail for balance transfer is a maximum of 30 years or the retirement age, whichever comes before.
If you are looking for flexible repayment tenure, competitive interest rates and a hassle-free home loan process in Gurgaon, Navi is the best housing finance company for you. Download the Navi app, fill in your details, complete your KYC verification and get instant approval with a provisional sanction letter.


9 Different Home Loan Types And Options Available In India: Eligibility And Interest Rates

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9 Different Home Loan Types And Options Available In India: Eligibility And Interest Rates

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