Absolutely! All transactions are 100% secure and processed through trusted, RBI-compliant payment gateways.

You can pay rent, education fees, or home-related expenses using your credit card – enjoy instant settlements, exclusive offers, and earn card reward points!

Yes, a small convenience fee applies depending on your payment amount and card type. The exact fee will be shown before you confirm your payment.

Simply select ‘Pay on Credit’ in the Housing app, enter your landlord’s or institution’s details, add the amount, and pay using your credit card

Yes! You can pay any landlord or institute by entering their bank account or UPI details. They don’t need to be registered on Housing.

Once your payment is successful, the amount is directly transferred to their account securely.

Yes! A rent receipt is generated instantly after a successful payment, which you can download anytime.

Definitely. Our receipts are valid for HRA claims and can be submitted to your employer.

We frequently run exciting offers! Any active cashback or discount will be shown on the payment screen before you pay.

Cashback (if applicable) will be credited to within a few days after a successful payment.

The cashback amount depends on the offer running at the time of your transaction. It will be displayed before you make the payment.

Just go to the "Refer & Earn" section in the app, share your invite code or link, and start referring!

You earn exciting cashback once your friend makes their first successful payment.

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

No, referrals are only valid for new users making their first payment.

There’s no limit! The more you refer, the more you earn.

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.

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.

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.

There is no limit on the usage to reduce your convenience fees.

Coupons you earn are the discount you can apply on your payments to get instant discount, similar to the wallet. We apply the best coupons for you at the start but can always change and apply the coupons you like on your transactions.

If your payment fails but the amount is deducted, don’t worry — your refund will be automatically initiated.

Refunds are processed quickly and should reflect in your account shortly (depending on your bank/card provider).

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. A service charge of Rs. 499 will be deducted. (As per Terms and Conditions)

To know more about T&C, visit this https://contents.housing.com/2/65/301296/746/1fda72fc-028f-407b.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.

Cybersafe plan offers 2 things – Services from Boxx Insurance and Insurance from HDFC ERGO General Insurance Co. 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.

Please write to us at customerservice@riskcovry.com to initiate the claims.

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.

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.

Cyber sachet allows customers to protect themselves from cyber frauds and other malicious activities . It will compensate for financial loss due to unauthorized digital access to your financial instrument by a third party.