Your security is our priority. Housing does not store any of your confidential information and all your transactions are secure and encrypted.

Housing allows you to pay the house rent, office rent, security deposit etc through Credit Card. You will get to earn handsome cash-backs and reward points.

We levy a small convenience charge when you pay through credit card. The amount is mentioned in the payment page and is included in the final payment.

You will need to sign up and enter some basic details such as your landlord’s name, account information and your rent amount. This is a one-time activity only. The next time you will not be asked to enter all these details again.

Of course! Your landlord will receive the rent even if he is not registered on Housing. If you have entered the correct details of the bank, the transaction will be completed and the landlord will be notified on successful completion through an SMS.

Offers, cashbacks, reward points, airmiles and much more await you when you pay through Housing. We have partnered with the best brands for the same. Credit card rewards vary from bank to bank. You can contact your bank to understand exactly how much you can expect when you spend your money online.

You will be asked to enter your landlord’s bank account details. These details are verified and when you transact, Housing transfers the rent amount to your landlord’s account. The amount is usually transferred instantly. But sometimes, it may take up to 48 hours to reflect in the landlord's account.

Rent receipts will be generated automatically and you will receive it on the email address that you have provided. You can also download it anytime from transaction history. Make sure that you have also provided us details such as your landlord’s PAN number and the rental address.

Absolutely! You can submit the rent receipts to claim the HRA exemption. Housing generates receipts for all the payments you have completed.

For every user signing up using your referral code, you will get 1 Housing Coin which will be equivalent to 20% discount on your convenience fee

You can use only one Housing Coin per transaction

You will be getting one Housing Coin when your friend will use your referral code to make their first payment on Housing Pay on Credit

Any person who uses your referral code will get 20% off on the convenience fee

Referral code is applicable on first transaction only

There is no limit on the number of people you can invite to Pay on Credit. So go & invite your whole world. You get the benefits every time a person joins with your code. So, more the friends you invite, the more you benefit.

Your invite code is ****

No problem. You can share your code with any other medium like a direct message, Facebook, etc. Just remember, your friend needs to use your code before making their first payment for both of you to benefit.

You get instant 50% cashback on your last payment’s convenience fee. Up to ₹300.

When your friend’s first payment is successfully transferred to their beneficiary, we calculate the cashback amount basis your last payment and credit immediately into your wallet.

Your friend gets an instant 20% off on the fee. Up to ₹300.

After installing the Housing app & starting a new payment with “Pay on Credit”, your friend will see the option “Have an invite code?” before clicking on the “Total Pay” button. They need to enter your code and apply before making the payment.

You can invite anyone who has an Indian phone number but hasn’t paid on Pay on Credit before.

No. You will only get the benefit when you invite people who haven’t paid on Pay on Credit before.

Your Housing wallet is just like an actual wallet. Every rupee in your wallet, without any limits whatsoever, can be used for your payments on Pay on Credit.

No. There is no limit on the amount you can use from your wallet on your payments on Pay on Credit.

Online rent agreements that are executed on e-stamp paper and signed by both the parties, are legally valid documents. Online rent agreement can be used as address proofs.

As the entire process is completely online, you will not require a hard copy. You can get a copy of this agreement on your email ID, or you can download it in the PDF format.

Both the parties — the landlord and the tenant — can sign the rent agreement digitally. You can either choose the 'Customised text' format, or draw your signatures in the online rent agreement. Note here that digital signatures are have legal validity and act as a secure manner of signing various documents, including online rent agreement, electronically.

The online rent agreement is drafted on e-stamp paper having denomination value of Rs 100.

If a rent period is created for 12 months, it falls under the category of a lease agreement, and several laws will come into effect, complicating the process for both, the tenant and the landlord. Rent agreements drafted for a period of up to 11 months fall under the category of a leave and license agreement, and the applicability of the lease-related laws does not occur. Rent agreements of 11-month tenure do not require registration. This applies to online rent agreements as well. So, such documents can be executed and signed online and are legally valid.

At present, Housing Edge platform has a pre-existing set of clauses, which covers almost everything in your online rent agreement. You can customise the security deposit amount and notice period in your online rent agreement. We expect to bring in more customisations soon.

Using the Housing Edge platform, an online rent agreement can be created in a matter of minutes.

The Housing Edge platform sends the link to the second party through email and SMS, on the contact details provided by you. Once the online rent agreement is signed, we will send the notification to the first party, along with the audit trail.

The charges for creating online rent agreement will be INR 699, which will include GST, processing fee and stamp duty. Of this, Rs 100 is paid as the stamp duty, while the remaining includes the convenience cost and the taxes, etc.

Since a digital signature is required to execute an online rent agreement, the document can be digitally signed from any part of the world, any time.

Yes, you can add a maximum of 5 tenants per agreement.

Once the online rent agreement is signed, we will send the soft copy of the document to you, on your email ID, along with the audit trail, which will have complete information about the IP address, device information and other details that the second party used, for signing the document.

As the online rent agreement is executed and signed digitally, you can keep the soft copy for record purposes. Printing online rent agreement is not necessary.

You do not need any document to make the online rent agreement. However, keep the tenant's/landlord's contact information handy, as it will be required while creating the draft.

Digital signatures or e-signatures have the same legal status as handwritten signatures, under the Information Technology Act (IT Act), 2000. Digital signatures have the same legal validity as the physical signing.

To know more about T&C, visit this <u><a href=https://contents.housing.com/2/65/301296/746/b0fcd7eb-5b1d-419a.pdf target='_blank' style="font-size: inherit; color:#5e23dc; text-decoration: underline;">link</a></u>

Housing Premium is your way to directly contact owner properties for your rent or buy journey.

With Housing Premium, you can connect directly with owners of brokerage-free properties. We also offer assisted plans (Relax and MoneyBack) where our dedicated Relationship Managers will help you find a personalized home and provide exclusive services. This saves you both time and money! For more information, visit our Landing page https://housing.com/premium

Various plans have different validities, ranging from a minimum of 45 days to a maximum of 90 days.

Connect (Basic), Connect+ (Premium), Relax (Assisted), MoneyBack

In this plan, we assign a dedicated relationship manager. Your RM understands your requirements, finds properties for you on Housing, and calls owners to verify if all the details match your requirements.

In the MoneyBack plan, along with a dedicated relationship manager, you can also claim a refund if you are not satisfied or in case of any genuine concern. Your RM understands your requirements, finds properties for you on Housing, and calls owners to verify if all the details match your requirements.

The timeline to find a property varies based on the user's specific requirements. While we cannot guarantee a specific duration, it's typically observed that property searches are completed within a reasonable timeframe after purchasing the plan.

The search criteria for the number leads (i.e. Number of owner contacts) provided for different plans is based on factors like - city, service chosen (buy/rent) and the nearby localities.

We also have Sachet/Trial Plans for Connect+ and Relax with a validity of 5 days, providing a total of 5 owner contacts/day. Again for Relax plans you will be assisted by a dedicated Relationship Manager.

In case of genuine concerns, we have a refund policy which is applicable only for the MoneyBack plan; subject to our terms and conditions. If you’re not satisfied with any of the plans, you can always write to us at support@housing.com.

As mentioned, for the MoneyBack Plan in case of genuine concerns, a full refund will be processed if requested after 2 weeks of plan activation and within 7 days of plan expiration. (As per Terms and Conditions)

To know more about T&C, visit this https://contents.housing.com/2/65/301296/746/7c286f42-4d73-40d8.pdf

In extension to our housing-related services, we are reaching a mile further to offer you packing and moving services via a verified partner. Credentials of the partner have been verified by our team.

No. Your data is 100% under SPAM protection. Housing will only share your information with our verified partner who in turn is not allowed to share your data with any other vendor.

The verified service partner will operate as per exclusive, best-in-the-industry service terms to provide you with a premium moving experience.

You will be eligible for a FLAT reimbursement even if the mover is late by a minute than committed time.

The verified partners are Safexpress, HappyLocate, Pikkol, and Porter.

The overall cost will depend on the size of the move, among other factors. Hiring professional movers and packers through Housing Edge will ensure a budget-friendly move for you. Get a quote today!

Our professional movers and packers provide a complete range of relocation services, whether for home or office shifting across different cities.

We connect you with the movers and packers that are the best in the business. So, you can rest assured about the safety of your belongings as our verified partners follow all the safety procedures and packing standards at every stage, from packing and loading to transportation to unloading.

At Housing Edge, we provide a seamless communication channel between you and our movers and packers partners. Once you book a service with us, you will also receive real-time updates throughout the shifting process.

You can avail the Housing Edge Packers and Movers service if you are planning to move abroad. Our trusted moving partners have a competent team of professionals to help you relocate to your destination without any hassles.

You'll make a smart move if you hire an interior designer for your home. The designer will not only help you with decorating your house the way you want but also make sure that each and every corner of the house speaks for you -- your style and personality. After all, you would want your home to be 'the place' where you can unwind and relax the most!

If your home is in a serviceable city but you are currently living abroad or in another city, you can manage your entire home interiors project remotely. Our designers will set up an online video consultation to discuss your project. You can track the progress of your project remotely and we will give you regular updates at every stage. Your project manager will also send you pictures or videos of the work that’s happening on-site.

It's not always necessary to get the entire home revisited or designed as far as interiors are concerned. You can always start off with the most important room that you think needs a maximum revamp. You can go one by one to get interiors of all your rooms sorted.

General Interior Design Consultations, Room Make-Overs, Complete Project Design and Coordination (also called turnkey), Detailed Interiors Concept Designs, and Home Staging are some of the services offered by Interior Design firms for both residential and commercial properties.

The Customer Service Officer would be the Single Point of Contact for all the queries and concerns that the customer has. The CSO will lead the entire project and get you regular details about the progress at the site.

Our Interior Designer would help you visualize and create the 3D Designs of the house in real time over our best-in-class 3D Visualizer. You can work with the designer to make the necessary changes and try different options to understand what suits you best.

One of the most important things you can do is to determine the exact scope - like what all areas you want to revamp and what's your realistic budget for the same. Also, you need to figure out - what colour palette speaks well for you, need the space to child-friendly/pet-friendly, what furniture would suit the space etc.

Property Management Services that we provide to our customers includes : * Single point of contact for your property management needs * Renting/Leasing – we will find the tenant if you want to let out * Tenant background verification and rental agreement * Rent collection and Bill payment * Quarterly property inspection with pictures * Maintenance as needed (painting, plumbing, electrical work etc.)

Homzhub, Propmunshi, Propdial, Simplease and Agarwal Estates are our partners and are leading Property and Rental Management companies that offer a bucket of services as part of the PMS package to homeowners, helping them to manage their properties without hassle.

You need to show your interest and provide requisite details about your needs in the portal. Our partners will reach out to you and further guide on next steps.

Yes, our partners help you with tenant discovery for you as per your preference and further a complete Tenant management including but not limited to tenant background check, rent collection, move-in, move-out facilitation, etc.

Yes, PMS is a chargeable service, Our partners will get in touch with you and share their charges that are dependent on the size of the property.

You may contact us customersupport@housing.com for any questions or concerns related to Property Management Services.

EMI refers to the ‘Equated Monthly Installment’ which is the amount you will pay to us on a specific date each month till the loan is repaid in full. The EMI comprises the principal and interest components which are structured in a way that in the initial years of your loan, the interest component is much larger than the principal component, while towards the latter half of the loan, the principal component is much larger.

Home Loan is a secured loan given by a bank against the security/hypothecation of an underlying property. In the event of failure to repay by the borrower, the bank can, subject to laws of India, attach/sell the underlying property and recover the principal amount and any outstanding interest thereon. A home loan can be availed for buying an under-construction property, resale property or even to construct a house on a vacant piece of land.

The longer the tenure of the loan, the lesser will be your monthly EMI outflow. Shorter tenures mean greater EMI burden, but your loan is repaid faster. If you have a short-term cash flow mismatch, your bank may increase the tenure of the loan, and your EMI burden comes down. But longer tenures mean payment of larger interest towards the loan and make it more expensive.

Yes. Resident Indians are eligible for certain tax benefits on both principal and interest components of a loan under the Income Tax Act, 1961. Under the current laws, you are entitled to an income tax rebate for interest repayment up to Rs. 1,50,000 /- per annum. Moreover, you can get added tax benefits under Section 80 C on repayment of principal amount up to Rs. 1,00,000 /- per annum.

Unlike personal loans, every bank has a single rate of interest for all customers and it does not vary from customer to customer. The Fixed rate of interest will be slightly higher than the Variable rate of Interest. So it depends on which option you choose.

If the interest rate on the loan varies periodically over the loan tenure, then it is called a floating rate home loan. Lenders have their own base rate which determines the rate of interest charged on a home loan. The base rates of banks are revised from time to time based on RBI directives as well as other factors, which leads to an increase or decrease in the EMI amount payable.

Fixed rate home loans are offered at a predetermined interest rate during the loan period and these remain unchanged during the loan period irrespective of market conditions. This can be a huge benefit when market volatility starts affecting interest rates. For instance, if the RBI increases interest rates on loans, then people with fixed rate home loan will not be affected by any increase or decrease in the market interest rates and the EMI amount will remain unchanged. This type of home loan is less popular these days.

Yes, one can repay the loan amount before completion of the scheduled loan tenure by making a lump sum payment towards paying off the loan. In such cases, the bank may decide to apply some penalties in the range of 2-3% of the principal amount outstanding. Some banks and NMFC (non-banking financial companies) do not charge any penalty on making prepayment of a home loan.

Home loan pre-approval is a facility provided by banks and NBFCs to their customers, which allow those interested in purchasing a house with the particulars regarding their eligibility even before they have decided on a property to purchase.

A personal loan is an unsecured loan that allows you to borrow a certain amount of money from a lender without providing any collateral. You can use this loan for any purpose, such as paying for a wedding, consolidating debts, or financing a home renovation.

The loan amount depends on various factors, such as your income, credit score, and repayment capacity. You can borrow a minimum of Rs. 5,000 up to a maximum of Rs. 10 Lakhs.

The interest rate for personal loan varies depending on your creditworthiness, repayment history, and other factors.

The eligibility criteria are as follows: You must be a resident of India. You must be aged between 21 and 60 years. You must have a stable income source and a good credit score. You must meet the minimum income requirement as per your city of residence.

You will need to provide the following documents to apply for a personal Loan: - Identity proof, such as Aadhaar card, PAN card, or passport - Address proof, such as Aadhaar card, utility bill, or rental agreement - Income proof, such as salary slips or bank statements

The time taken to disburse a personal loan from IIFL depends on various factors, such as the completeness of your application and the verification of your documents. Typically, it takes up to 24 hours to process the loan application and disburse the loan amount.

You can repay the personal loan through Equated Monthly Installments (EMIs) over a flexible tenure ranging from 12 to 60 months.

Yes, you can prepay your personal loan at any time during the loan tenure. Please note that prepayment charges may apply as per our terms and conditions.

You can apply for a personal loan online through the Housing website or mobile app.

Online personal loans from Rs 5,000 to Rs 5,00,000 Interest rates - 12.75% to 44% p.a. Tenures - 3 to 24 months APR range - 21% to 30% Processing Fee is 2% - 4%

Example: Loan Amount: Rs 3,00,000 Tenure: 10 months (300 days) Interest Charged: Rs 1,426 (24% per annum) Processing Fee: Rs 600 (2% of Loan Amount - Rs 600 + GST @18% - Rs 108) EMI Amount: Rs 33,980 Loan amount is Rs 3,00,000. Total loan repayment amount is Rs 3,33,980

Rent now pay later is India's first pay later product for your rent. Each month, you can pay your rent directly to your landlord at the start of the month and you pay us back over one or more installments. This is a loan product and you don't need any collateral to get a rental loan from us.

Rent Now Pay Later is a loan product, where we pay the rent on your behalf to your landlord and you agree to repay the loan as per the repayment schedule shown to you in the app. We currently offer repayment plans of 1 month and 3 months and the appropriate charges are displayed accordingly.

Once you are enrolled, you will be charged a nominal service fee every time you take a rental loan ranging from 1%-2% per month on the rental amount, which is based on a combination of credit-related information, income, and rent information. 1st time users can pay their rent at zero fees for 1 month.

Currently, the repayment date is fixed at 2nd of every month. We are working towards providing more flexibility on choosing repayment dates.

All Housing users are eligible to apply for the Rent Now, Pay Later service.

We are available across 8500+ pin codes in India.

At the time of verifying your eligibility, our lending partners obtain your credit report from the bureaus which may impact your credit score. Further, when you withdraw from the credit line, this information is also passed to the credit bureaus by our lending partners.

A credit line is a credit facility that enables you to draw on the facility when you need funds. You can draw it directly into your bank account and use it as per your requirements.

After you complete your first RentPay transaction an offer to increase your Credit line limit will be provided to you. Step 1- You have to click on the enhance now button on the home screen of RentPay. Step 2- In the next screen you have to confirm your address for verification. Tada! Your Credit Line application is in the verification process and will be Active within 24 working hours.

The credit line once activated can be used for doing subsequent rent payments or it can also be used to withdraw directly to your bank account.

An interest rate will be charged on the loan amount that can range anywhere between 12% to 24% and a nominal processing fee of 4% will be charged on the withdrawal amount alongside 18% GST on the the processing fee. For more information on fees and charges, please visit our fees and charges page here.

Online personal loans from Rs 5,000 to Rs 5,00,000 Interest rates - 12.75% to 44% p.a. Tenures - 3 to 24 months APR range - 21% to 30% Processing Fee is 2% - 4%

Example: Loan Amount: Rs 3,00,000 Tenure: 10 months (300 days) Interest Charged: Rs 1,426 (24% per annum) Processing Fee: Rs 600 (2% of Loan Amount - Rs 600 + GST @18% - Rs 108) EMI Amount: Rs 33,980 Loan amount is Rs 3,00,000. Total loan repayment amount is Rs 3,33,980

Think of it as your personal wallet. Once approved, you have the freedom to withdraw money to your own bank account as needed. You will only be charged for the amount you withdraw from your credit line, providing you with flexibility and control over your borrowing.

Step 1- Choose amount you want to withdraw Step 2- Choose the repayment plan Step 3 – Verify PAN and KYC details (one-time process) Step 4 – Click a selfie (one-time process) Step 5 - Confirm the address for one-time verification process Step 6 – Set-up auto debitTada! Your Credit Line application is in the verification process and will be active within 24 working hours.

An interest rate will be charged on the loan amount that can range anywhere between 12% to 24% and a nominal processing fee of 4% will be charged on the withdrawal amount alongside 18% GST on the processing fee.

A credit line can be used for a wide range of purposes. Whether you need to cover your rental expenses, pay brokerage fees, make a deposit, or meet any other personal financial needs, a credit line provides the flexibility to withdraw money directly to your bank account. It acts as your personal wallet, allowing you to withdraw and deposit funds as per your specific requirements.

At the time of verifying your eligibility, our lending partners obtain your credit report from the bureaus which may impact your credit score. Further, this information is also passed to the credit bureaus by our lending partners.

We are available across 8500+ pin codes in India.

This service is invite only. If you have an offer from us, then you are already pre-approved to use the credit line product. We just verify your details, documents and your credit eligibility before activating the credit limit.

Currently, the repayment date is fixed at 2nd of every month. We are working towards providing more flexibility on choosing repayment dates.

When you have a credit line, you can access funds up to the approved limit whenever you need them. You can withdraw the desired amount, and interest is charged only on the amount utilized. As you repay the borrowed amount, the credit line replenishes, and you can reuse it again in the future.

Interest on a credit line is typically calculated on a daily or monthly basis, depending on the lender`s terms. The interest is charged on the outstanding balance or the amount utilized from the credit line.

The tenure or duration of a credit line varies among lenders. It can range from a few months to several years. The tenure is determined at the time of availing the credit line and is mentioned in the agreement.

A credit line offers more flexibility and lower interest rates compared to a credit card. With revolving access and customisable repayment options, it provides greater financial control.

Compared to a personal loan, a credit line offers more flexibility and convenience. With a credit line, you have access to a pre-approved credit limit that you can borrow from whenever needed, whereas a personal loan provides a lump sum of money upfront.

Penal interest is applicable if you do not pay your monthly EMI on time. Every time you miss an EMI payment on the due date, a penal interest equivalent to 3% per month accrued on daily basis on the overdue amount is charged.

Cyber Protect plan offers 2 things—Services from Boxx Insurance and Insurance from Bajaj Allianz General Insurance Co. (BAGIC). Boxx Insurance provides 3 benefits—Identity Monitoring which will check all leaked information such as passwords, order history etc. using mobile number and email, Digital Risk Assessment which will help understand digital safety score based on questions, and Cyber Safety & Awareness Training.

The Rent Protection cover is a combination of coverages that will safeguard you in case there is an Accidental Death, Permanent Partial or Total Disability, Accidental related hospitalisation expenses and Critical Illness inpatient care hospitalisation. Additionally, this cover allows to get a second medical opinion on a complex illness, and get medical referral on a phone call.

A maximum of INR 1L can be claimed every month.

The Rent Protect cover allows Critical Illness cover upto INR 1L, Personal accident benefits upto INR 1L, and Accidental Hospitalisation expenses upto INR 60,000.

You can either call the toll free number 1800-209-5858, or email at gagichelp@bajajallianz.co.in to raise your claim

The claim can be raised by any of these methods: - Through a phone call 1800-102-4488. Through email - customerfirst@careinsurance.com. Using website - https://www.careinsurance.com/rhicl/claim/login

To cancel your subscription you can either mail at support@housing.com or you can directly cancel the subscription from your UPI/Card payment application you had used for subscription.

Device Protect Plan offers 2 things— Services from Boxx Insurance and One Time Screen Replacement upto a max of ₹10K for smartphones and tablets