Clix Housing Finance Home Loan
Clix Housing Finance Home Loan
Clix Housing Finance Limited helps aspiring homeowners buy a home of their own with hassle-free home loans. The NBFC is a wholly owned subsidiary of Clix Capital Services Limited, formerly GE Money Financial Services Private Limited. Clix home loans start at an interest rate of 15.00% per annum, with a processing fee of up to 2.00% of the loan amount plus applicable taxes. Borrowers can choose between floating and fixed rate packages, with a maximum repayment tenure of up to 25 years. Its popular offerings are regular home loans, home renovation loans and balance transfer home loans.
Clix Housing Finance Home Loan
Fixed or Floating, Your Choice
Clix prices both, and we model which one actually costs you less over your tenure.
Credit Score From 630
Clix considers applicants other lenders may decline, and we help you present your file well.
Balance Transfer With Top-Up
If you are paying more elsewhere, we compare what a transfer to Clix would actually save you.
One Relationship Manager, Start to Finish
A dedicated BASIC expert handles your file end to end, not a rotating call centre.
Clix Housing Finance Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
Clix Housing Finance Home Loan Key Highlights
Get the lowest interest rates with Clix Housing Finance
Loan Amount: Up to Rs. 1 crore
Rate of Interest: Starts at 15.00% per annum
RPLR: 18.50%
Processing Fee: Up to 2.00% of the loan amount + applicable taxes
Maximum Tenure for Repayment: 25 years
Rate Packages: Fixed / Floating
Charges for Prepayment/Foreclosure: Variable interest rate for individual borrowers: nil. Variable interest rate for non-individuals: 4% + applicable taxes, or 6% + applicable taxes if the loan is repaid within 12 months of the first disbursement
Clix Housing Finance Home Loan Interest Rates in 2026
The Clix home loan rate of interest starts at 15.00% per annum and may vary depending on the plan chosen and the borrower profile. The table below sets out the current Clix home loan interest rates:
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| Fixed Plans (For Salaried) | Starts at 15.00% per annum |
| Fixed Plans (For Self-Employed) | Starts at 15.00% per annum |
| Floating Plans (For Salaried) | Starts at 15.00% per annum |
| Floating Plans (For Self-Employed) | Starts at 15.00% per annum |
Clix Housing Finance Home Loan Eligibility Criteria
An interested borrower can get a home loan from Clix Housing Finance Ltd. by meeting some straightforward eligibility criteria based on age, nationality and minimum income. The table below sets them out:
For Salaried Individuals
Age Range (in years)
18-65 years
Nationality
Indian residents
Minimum Income Earned
Rs. 25,000 per month
For Self-Employed Individuals
Age Range (in years)
18-65 years
Nationality
Indian residents
Minimum Income Earned
Annual income above Rs. 3 lakh
Clix Housing Finance Home Loan Processing Fee and Charges
To facilitate the process of approving home loans, Clix Housing Finance Ltd. charges a processing fee along with other applicable charges. The table below sets them out:
| Processing Fee | Up to 2.00% of the loan amount + applicable taxes |
| Prepayment / Foreclosure Charges | Variable interest rate for individual borrowers: nil. Variable interest rate for non-individuals: 4% + applicable taxes, or 6% + applicable taxes if the loan is repaid within 12 months of the first disbursement |
| Photocopy of Documents | Rs. 500 per set |
| List of Documents / Foreclosure Letter | Rs. 500 per request + applicable taxes |
| Document Retrieval Charges | Rs. 1,000 per instance + applicable taxes |
| Cheque Bounce Charges | Rs. 500 per instance + taxes |
| Rate Package Swapping Charges | Switching to a lower variable rate loan: up to 0.50% of the principal outstanding and disbursed amount at the time of conversion + taxes. Switching from a fixed to a variable rate loan: up to 1.50% of the outstanding loan amount at the time of conversion + taxes |
| Issue of Duplicate No Dues Certificate | Rs. 500 per set + taxes |
| Decrease or Increase in Loan Term | Rs. 500 + taxes and statutory charges |
| Statement of Account / Issue of Amortisation Schedule | Rs. 500 per instance + taxes and statutory charges |
| Statutory Charges | As per CERSAI |
Clix Housing Finance Home Loan Schemes and Top Plans
Clix Housing Finance Ltd. understands the varied needs of people who wish to own a home, and offers a range of home loan schemes to choose from:
- Ideal for purchasing a home or plot, or constructing a home on land you already own
- Available to both salaried and self-employed applicants
- Maximum repayment tenure of up to 25 years
- Maximum loan amount of up to Rs. 1 crore
- For expanding a home by adding a room or floor
- Flexible EMI repayment options ranging between 12 and 48 months
- Maximum repayment tenure of up to 25 years
- Applicants need at least 1 year of professional experience and 6 months in the current company
- Flexible option to transfer the balance of an existing home loan to Clix
- Additional top-ups available
- Comparatively lower rate of interest
* Note: All of the above home loan plans are made available to applicants solely at the discretion of Clix Housing Finance, taking into consideration the earning and repayment capacity of the applicant.
Documents Required for Clix Housing Finance Home Loan
Clix Housing Finance Ltd. asks for a set of documents to verify your credibility as a borrower. Arrange these before applying:
| Proof of Income |
|
| Other Required Documents |
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| Proof of Income |
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| Other Required Documents |
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| Identity & Address Proof |
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| Documents Related to Property |
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Apply for a Clix Housing Finance Home Loan Through BASIC Home Loan
The Clix home loan application is straightforward. You can apply in the following way:
Apply Now on the BASIC Website
Head to the APPLY NOW section on the BASIC Home Loan website.
Share Your Requirement
Enter your name, contact number, loan amount and pincode, then submit the form.
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The BASIC Home Loan team reaches out and initiates a hassle-free home loan application process.
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