Vastu Housing Finance Home Loan: Rates, Eligibility & Fees 2026
Vastu Housing Finance provides affordable loans for new, resale, and under construction homes, plus plot and construction needs, using technology enabled underwriting. Butter Money helps you compare options and apply with clear, trusted support. Apply confidently.
Interest Rate
12.50%
p.a. onwards
Processing Fee
₹3,000
+ GST
Max Tenure
20 Years
Max LTV
Up to 80%
Zero Hidden Charges
Transparent pricing you can trust
Fast Approval
Quick approvals with less paperwork
Loan Assistance
Expert guidance at every step
Exciting Cashbacks
Save more with exclusive offers
What stands out with Vastu Housing Finance
- New home purchase
- Resale home finance
- Under-construction funding
- Home construction loan
- Pre-approved home option
- Up to 20-year tenure
Vastu Housing Finance home loan at a glance
| Lender type | Housing finance company |
| Starting rate | 12.50% p.a. onwards |
| Products | Home loan |
| Funding (LTV) | Up to 80% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
Vastu Housing Finance Interest Rates
By product, CIBIL score & applicant type
Home loan
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| 800 and above | 12.50% onwards | 13.00% onwards |
| 750–799 | 12.50% onwards | 13.00% onwards |
| 700–749 | 12.50% onwards | 13.00% onwards |
| 650–699 | 12.50% onwards | 13.00% onwards |
Starting rates for each CIBIL band. Your final rate also depends on the loan amount, property and profile.
Fees & Charges
Popular Vastu Housing Finance Schemes
Find the right Vastu Housing Finance product for your needs
| Scheme Name | Best Suited For | Interest Rate |
|---|---|---|
| Home Purchase Loan | New or resale home | 12.50% onwards |
| Home Construction Loan | Construction on owned plot | 12.50% onwards |
| Home Improvement | Repairs and upgrades | 12.50% onwards |
Vastu Housing Finance vs Similar Lenders
Lenders with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| Vastu Housing Finance (this page) | Housing finance company | 12.50% onwards |
| Vridhi Finserv | Housing finance company | 12.00% onwards |
| Piramal Finance | NBFC | 9.90% onwards |
| Navi Finserv | NBFC | 8.45% onwards |
Vastu Housing Finance Home Loan EMI Calculator
Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo at Vastu Housing Finance's rates.
Illustrative calculation based on the selected rate. The rate defaults to 12.5% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh Vastu Housing Finance home loan over 20 years at 12.50% costs ₹56,807 a month, or ₹86,33,687 in total interest. Every 0.25% higher adds about ₹884 a month.
Vastu Housing Finance Home Loan FAQs
Can I prepay my Vastu Housing Finance home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow Vastu Housing Finance to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will Vastu Housing Finance fund?
Vastu Housing Finance funds up to 80% of the property's value, within RBI's caps (up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh). You pay the rest as your own contribution.
What is the starting interest rate for Vastu Housing Finance Home Loan?
Vastu Home Loan starts from 12.50% p.a. for salaried applicants and 13.00% p.a. for self-employed applicants.
What is the processing fee?
The processing fee shown on this page is ₹3,000 + GST.
What is the maximum home loan tenure?
The maximum tenure is 20 years.
What CIBIL score is preferred?
A stronger credit profile supports eligibility and pricing; Vastu publishes rates primarily by applicant type.
What documents are required?
KYC, income and property documents are required as listed in the Documents tab.
Can I transfer my existing home loan to Vastu Housing Finance?
Balance transfer availability should be shown only where the applicable Vastu product supports takeover.
Final terms are set by Vastu Housing Finance at sanction. Source: Vastu Housing Finance.