A great deal, a better location, a nicer home for your family, whatever your reason for purchasing a home, we make it easy.

Loan Amount

Muthoot Housing offers resale loan amounts for a dream home varying from
Rs 3 lakh to Rs 50 lakh.


The flexible tenure options for our home loan on a property for resale is up to
20 years.

Loan To Value (LTV)

You can get up to 80% of the value of your property as a resale loan from Muthoot Housing.

Installment Calculator

Use our free and easy to use installment calculator to calculate your home loan installments.


The property is mortgaged until you repay the loan amount in full.


You can use the loan to purchase a completed property from its current owner.


We offer loans for buying a pre-owned flat or independent homes to Indian citizens, salaried or self-employed.


You should be a minimum of 21 years when applying and 65 years at the time of maturity of your resale home loans.

Location of Property

The property you wish to purchase should be withing the geo-limit of an MHFL branch office.


You should have a bank account. All owners of the property being financed and all individuals whose income has been considered for the loan have to be co-applicants to the loan.

Submit Documents

When applying for a resale, you will have to submit government approved address and identity proof documents. Bank/ITR statements and ownership documents (if applicable) are also necessary. Title Deeds including the previous chain of the property documents, Receipt/(s) of the initial payment made to the seller along with a copy of the agreement to sell, if executed, is required.

Apply for a Loan

You can apply for a loan with a co-applicant. Our customer care executives help you fill the loan application and complete the process.

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Frequently Asked Questions

Getting a home loan for a resale flat is a simple process with Muthoot Housing Finance Company Limited. You can fill in your details on the application form provided online and our customer care executive will be in touch as soon as possible. Alternatively. you can call our customer care directly at 1800 102 1616 or walk into your nearest branch to initiate the process for a resale home loan. Remember thorough research on the title of the property is necessary before you invest.
We offer flexible tenures to our customers looking for a loan for a resale property. Our loan tenures vary from three to twenty years. So, the maximum loan repayment duration you may get with Muthoot Housing is 20 years. However, you should decide the tenure for the resale loan based on your eligibility and repayment capacity.
At Muthoot Housing we offer the maximum possible amount as down payment for a resale home loan, as high as 80% of the loan value. It means, you need to put a minimum of 20% as down payment for buying a resale property. However, you have the option of putting down a higher down payment amount.

Muthoot Housing offers very broad eligibility criteria for our resale home loans.

  • You need to be an Indian citizen
  • Minimum age at the time of applying for the loan is 21 years
  • Your age should not exceed 65 years at the time of loan maturity
  • Yous should be salaried or self-employed
At every stage of the process, an SMS is sent to the customer on registered mobile number informing him on the status of his loan. However, if any further information is required it can be obtained by getting in touch with customer care or by visiting nearest Muthoot Housing Finance Branch.

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