Home & Interior  Loan Services

🏠💸 Types of Loans for Home & Interiors

Loan Type Purpose

🏡 Home Loan Buy a new/old property or construct on your plot

🛠️ Home Construction Loan For building a house on owned land

🪑 Interior/Renovation Loan Fund interiors, modular furniture, flooring, painting, etc.

🧱 Home Improvement Loan Covers structural upgrades, plumbing, roofing, tiling

🛋️ Top-Up Loan Add-on loan if you already have a home loan, used for interiors or repairs

🧰 Personal Loan (for Home Use) Quick loan for small-scale home upgrades (no collateral required)

💳 Interior Loan Coverage Includes:

✔️ Modular kitchen (PVC, PU, or acrylic)
✔️ Wardrobes & furniture
✔️ False ceiling, wall panels, lighting
✔️ Flooring (tiles, marble, wood)
✔️ Painting & wallpapers
✔️ Bathroom/kitchen renovations
✔️ Smart home setups
✔️ Appliances & electronics (in some cases)

🏦 Top Banks/NBFCs Offering Interior Loans

Institution Loan Features

HDFC Home Loans Interior financing as part of home loan/top-up

ICICI Bank Home improvement and personal loans for interiors

Bajaj Finserv Personal loans for home interiors up to ₹25L

Tata Capital Customized loans with flexible EMIs

LIC Housing Finance Renovation loans at attractive rates

Axis Bank Home decor loans + insurance coverage option

💰 Loan Details at a Glance (2025)

Parameter Typical Range

Loan Amount ₹50,000 – ₹50 Lakhs+

Interest Rate 9.25% – 13.5% (depends on loan type & profile)

Tenure 1 – 20 years (home loans), 1 – 5 years (interior/personal loans)

Processing Fee 0.5% – 2%

Collateral Not needed for interior/personal loans under ₹5L–10L

🧠 Tips to Get the Best Deal

✅ Maintain a good credit score (700+)
✅ Apply jointly (e.g., with spouse) to increase eligibility
✅ Compare multiple lenders for interest & flexibility
✅ Get a cost estimate/quotation from your interior designer for submission
✅ Opt for a top-up loan if you already have a home loan — lower interest!

📋 Required Documents (For Interior Loans)

• ID & Address proof

• Income proof (Salary slips / ITRs)

• Property ownership or rental documents

• Bank statements (last 6 months)

• Interior work quotation/invoice from contractor/designer
  
  

Would you like help:

• Estimating how much loan you’ll need for your interiors?

• Finding low-interest options from top lenders?

• Creating a quotation or scope of work for loan submission?

Let me know your project size or budget range, and I can even help you create a sample proposal for loan application!

Inquiry Form                    Get a free quote