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India's First
Home Down Payment
Assistance Program

We are the architects of India's first Home Down Payment Assistance Program. HomeCapital helps you buy your first home by providing interest free credit up to 50% of the home down payment amount.

Apply Now

Give your new home an instant makeover!

Get 15% off on modular interior solutions on successfully opting for HomeCapital's Down Payment Assistance.

The HomeCapital Program Download brochure

The HomeCapital program provides interest free assistance to home buyers for following requirements:

Down Payment
Payments on Possession
Stamp Duty Payments
All other property payments to developers

Eligibility

  • Get eligibility & In-Principle sanction in one minute
    This won't affect your credit score
  • No hidden charges

Interest Free EMIs

  • Repay only the principal amount
  • Flexible tenure of 3, 6 & 12 months

How to apply

  • Online Application
    Process
  • Get money in your account on the same day

To know more details on our program benefits; read about program

Program Eligibility Calculator

₹
₹
Tenure
Amount
Offered
Monthly
EMI
Interest
Rate
Processing
Fee
Total
Repayments
Other
Features
3
EMIs
₹ 1,95,000
₹ 65,000
Interest
Free
1.99%
= ₹ 3,881
₹ 65,000 x3
= ₹ 1,95,000
  • No other charges
  • Available for all developers
6
EMIs
₹ 3,90,000
₹ 65,000
Interest
Free
3.49%
= ₹ 13,611
₹ 65,000 x6
= ₹ 3,90,000
  • No other charges
  • Available for all developers
12
EMIs
₹ 5,00,000
₹ 41,667
Interest
Free
1%
= ₹ 5,000
₹ 41,667 x12
= ₹ 5,00,004
  • No other charges
  • Available with leading developers

Select the EMI Plan that suits you.

Amount Offered :₹ 1,95,000
Monthly EMI :₹ 65,000
Interest Rate :Interest Free
Processing Fee :1.99%
= ₹ 3,881
Total Repayments :₹ 65,000 x3
= ₹ 1,95,000
Other Features : 
  • No other charges
  • Available for all developers
Amount Offered :₹ 3,90,000
Monthly EMI :₹ 65,000
Interest Rate :Interest Free
Processing Fee :3.49%
= ₹ 13,611
Total Repayments :₹ 65,000 x6
= ₹ 3,90,000
Other Features : 
  • No other charges
  • Available for all developers
Amount Offered :₹ 5,00,000
Monthly EMI :₹ 41,667
Interest Rate :Interest Free
Processing Fee :1%
= ₹ 5,000
Total Repayments :₹ 41,667 x12
= ₹ 5,00,004
Other Features : 
  • No other charges
  • Available with leading developers

It's easy to get started

Fastrack your Home Ownership - in just 5 easy steps.

Impacting a billion indians

Shruti Seth, 34

Shruti Seth, 34

Software Engineer, ITES

Salaried

60,000 monthly salary

Homeowner of a

2 BHK at Mysore road, Bengaluru

HomeCapital assistance

2,10,000

*Names and photographs changed to showcase representative profiles for customer confidentiality.

Shruti Seth, 34

Shruti Seth, 34

Software Engineer, ITES

Salaried

60,000 monthly salary

Homeowner at

2 BHK at Mysore road, Bengaluru

HomeCapital assistance

2,10,000

*Names and photographs changed to showcase representative profiles for customer confidentiality.

Chitra Singh, 34

Chitra Singh, 34

Client Servicing, Entertainment

Salaried

75,000 monthly salary

Homeowner at

1 BHK at Themghar, Thane

HomeCapital assistance

3,50,000

*Names and photographs changed to showcase representative profiles for customer confidentiality.

Abhishek Banoria, 35

Abhishek Banoria, 35

Chartered Accountant

Salaried

1,70,000 monthly salary

Homeowner at

2 BHK at Hennur road, Bengaluru

HomeCapital assistance

4,10,000

*Names and photographs changed to showcase representative profiles for customer confidentiality.

Vishal Naik, 29

Vishal Naik, 29

Senior Software Engineer, IT

Salaried

58,000 monthly salary

Homeowner at

1 BHK at Vikhroli, Mumbai

HomeCapital assistance

2,58,000

*Names and photographs changed to showcase representative profiles for customer confidentiality.

Poonam Jain, 34

Poonam Jain, 34

Senior Associate Consultant, Education

Salaried

52,000 monthly salary

Homeowner at

2 BHK at Electronic city, Bengaluru

HomeCapital assistance

2,20,000

*Names and photographs changed to showcase representative profiles for customer confidentiality.

Mahesh Patil, 30

Mahesh Patil, 30

Deputy Manager, FMCG sector

Salaried

78,000 monthly salary

Homeowner at

2 BHK at Bendiganahalli, Bengaluru

HomeCapital assistance

3,04,500

*Names and photographs changed to showcase representative profiles for customer confidentiality.

Shruti Seth, 34

Shruti Seth

Software Engineer, ITES

Chitra Singh, 34

Chitra Singh

Client Servicing, Entertainment

Abhishek Banoria, 35

Abhishek Banoria

Chartered Accountant

Vishal Naik, 29

Vishal Naik

Senior Software Engineer, IT

Poonam Jain, 34

Poonam Jain

Senior Associate Consultant, Education

Mahesh Patil, 30

Mahesh Patil

Deputy Manager, FMCG sector

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Home buyer resources

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Blog

Decode your homeownership journey through timely updates and insights on real estate and finance markets.

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Disclaimer

The HomeCapital "Portal" and all its contents are only for the purpose of providing information regarding the HomeCapital Down Payment Assistance Program and should not be construed as binding. By using this website, you accept our Terms of Use and Privacy Policy. We are not a lending institution. All loans are made by our financial institution partners. The real estate properties listed on the Portal are not an advertisement or a solicitation and the customer shall independently review and verify the credentials of the project and/or the developer.

HCPL and it's partners reserve the right to reject any application at any time in accordance to its policies. To qualify, a borrower must be a Indian citizen and meet our financial partners underwriting requirements. To check for an applicant’s eligibility, our lending partner will request your full credit report from one or more credit bureaus. Not all applicants receive the down payment assistance. To qualify for the program, you must have a responsible financial history and meet other conditions. Assistance limits displayed are indicative, actual limits will depend on number of factors. If approved, your program assistance tenure will depend on a variety of factors, including down payment assistance amount, repayment capacity, a responsible financial history, years of experience, income, home-loan to value ratio and other factors.

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