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.

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/2/65/301296/746/8451a2cf-4ad1-4c67.pdf

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.

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

Yes, for a smoother checkout experience, we will add the monthly premium amount for your insurance or subscription plans to your checkout page automatically. You may remove the monthly subscription amount from your checkout page if you wish to discontinue your subscription plan. If you wish to unsubscribe from a plan, you may do so through your account.