Home Loan Guide for Bangalore Buyers (2026)
By Property Point Advisory·Updated September 2026
In short
For a home in Bangalore, lenders typically fund up to 75–90% of the property value (LTV), decided by your income, CIBIL score (aim 750+) and the project's legal approvals. Keep the 10–25% down payment plus stamp duty, registration and GST as your own funds.
How much you can borrow
Eligibility is driven by net income, existing EMIs (lenders cap total EMIs near 50–60% of income), age and CIBIL score. A score of 750+ unlocks the best rates.
Loan-to-value is capped by RBI: up to 90% for smaller loans, ~80% for mid-size and ~75% above ₹75 lakh — so the down payment rises with ticket size.
Why the project's approvals matter
Banks lend more readily against RERA-registered, approved projects — one reason to verify the project on RERA Karnataka first. In Bangalore, khata (insist on a-khata; b-khata limits home loans and resale) also affects loan eligibility.
Tax benefits
- Section 80C — principal repayment up to ₹1.5 lakh/year
- Section 24(b) — interest up to ₹2 lakh/year on a self-occupied home
- Joint loans — each co-borrower who is a co-owner can claim separately
Good to know
Questions buyers ask
What CIBIL score do I need?
750+ for the best rates; below ~700 expect higher rates or a rejection.
How much down payment do I need?
10–25% of the price depending on ticket size, plus stamp duty, registration and GST which loans usually don't cover.
Does RERA registration help my loan?
Yes — lenders trust RERA-registered projects and approve faster. Verify on RERA Karnataka.
Private advisory
From research to a shortlist.
An advisor will share price sheets, floor and payment plans for homes that fit your budget, and arrange the visits.
Speak with an advisor