Can I get a 100% loan?

Author : arpan shah | Published On : 05 Jul 2025

Getting a 100% home loan sounds ideal, especially for first-time buyers. But in reality, banks in India usually do not offer 100% home loans. Most banks and financial institutions offer up to 80%–90% of the property value as a loan. The remaining 10%–20% is called a down payment, which you have to pay from your own pocket.

🏦 Why You Cannot Get 100% Home Loan:

• Banks follow guidelines set by the Reserve Bank of India (RBI).
   

• For safety, they ask buyers to invest something from their own savings.
   

• It also reduces the bank’s risk if the property value drops.
   

Even if you have a good CIBIL score, stable job, and low existing loans, 100% home loans are generally not approved by reputed lenders.