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.

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Home Loan

Why Choose 华体会 for Your Home Loan?

Streamlining your home buying experience with exclusive services.

High Loan Amounts

Up to 90% Loan-to-Value, requiring a low down payment.

Fast Response

Rapid approval and disbursement within 7-10 business days.

Low Interest Rate Advantages

Competitive rates from 7.5% with flexible repayment options.

Mortgage Refinancing

Transfer your existing mortgage to us for more favorable 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.

Mortgage Product Types

Select the ideal mortgage product for your specific needs.

As low as 8.0%

Construction Home Loans

Staged disbursement to fund your new home construction.

  • Staged Disbursement
  • Up to 85% Loan-to-Value
  • Technical Review
As low as 8.5%

Renovation Home Loans

Financing for your home renovation or expansion projects.

  • Up to ¥100,000
  • Rapid Approval
  • Simplified Documentation
As low as 8.0%

Mortgage Refinancing

Refinance your current mortgage with us for better interest rates.

  • Low Interest Rates
  • Upgrade Support
  • No Prepayment Penalties
As low as 7.8%

Land Purchase Loans

Secure funding for future construction and land acquisition.

  • Up to 80% Land Value Loan
  • Up to 20-Year Term
  • Convert to Construction Loan
From 8.2%

Housing Provident Fund Loans

Housing loans aligned with government subsidy programs.

  • Credit-Linked Subsidies
  • Low Interest Rates
  • For Low-Income / Middle-Low Income Groups
As low as 7.5%

Purchase Home Loans

Flexible repayment plans to easily achieve your homeownership goals.

  • Up to 90% Support
  • Update to Latest Version
  • 7-10 Day Fast Disbursement

Loan Eligibility Assessment

Minimum Income

¥30,000/year

Membership Status

2+ Years

Stable Participation
Minimum Age

2024

Maximum Age

2026*

*Final interpretation rights reserved
Required Credit Score
750+ Quality Listings

Self-employed individuals require a stable business operation and profitability record of over 3 years.

Supported Devices

  • 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)

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

Current Mortgage Rates

Preferential rates tailored to different loan amounts and client profiles.

Amount Verified Users Active Users VIP Users* Service Fee
Up to ¥100,000 7.5% - 8.0% 7.8% - 8.3% 7.4% - 7.9% Exclusive 0.5% processing fee
$100,001 - $500,000 7.6% - 8.1% 7.9% - 8.4% 7.5% - 8.0% Benefit from a competitive 0.5% origination charge
$500,001 - $1,000,000 7.8% - 8.3% 8.1% - 8.6% 7.7% - 8.2% Enjoy a low 0.5% service fee on your loan
Above $1,000,000 8.0% - 8.5% 8.3% - 8.8% 7.9% - 8.4% Secure your financing with a minimal 0.5% administrative cost

*Additional 0.05% rate discount for female applicants. Rates are subject to adjustment 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 Mortgage Questions

Common Questions About Home and Mortgage Loans

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.

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.

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.

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.

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.

Ready to Own Your Dream Home?

Our mortgage experts are available to assist you in finding the most suitable loan solution with optimal rates and terms.

Customer Service: 400- Schedule Consultation