Business Loan vs Home Loan

A business loan can be beneficial for you if you plan to expand your business or upgrade machinery or equipment. A small business loan is the best instant option that will help you finance your business without hypothecating any collateral. You can avail a loan for business ranging from Rs. 1-5 lakhs at minimal documentation and easy to meet eligibility criteria. We offer loans at customer-friendly terms and conditions and competitive interest rates.

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Home Loan Interest Rate VS Business Loan Interest Rate

Banks and other home loan lenders charge interest rates at fixed and floating rates. The home loan interest rate ranges from 8% to 20%. The business loan interest rate depends on the lender you are availing the loan from. We offer competitive interest rates on business loans. To avail both the types of loans, you need to pay additional charges like processing fees.

Difference between Business Loans & Home Loans

People avail home loans to acquire property for residential purpose or to construct a house. On the other hand, business owners who wish to get additional money for their business avail business loans.

Business loans are essentially the capital or working capital loans, which are sanctioned on the name of the business or business owner and credited in the business account. The business owner has to repay the loan amount along with interest charged within the predefined time frame. There is not any compulsion for the borrower to hypothecate an asset to get the loan application approved. They can avail business loans without collateral. The terms of the business loan depend on the loan lender. We have user-friendly terms and conditions, and we offer unsecured business loans.


Home loans come with fixed-obligation-to-income-ratio. The applicants can get a loan of up to 80% of the home value. The home loan borrowers can also opt for a tax deduction on the payment of the principal home loan amount under Section 80C of the Income Tax Act. He can also opt for a tax deduction on the interest component under Section 24(b) of the Indian Income Tax Act.


Solving Real problems

Ram Yadav

I have been running my business for over twelve years but have not been able to undertake expansion activities. I applied to Ziploan and they cleared my loan application in a very short span of time.

Kanchan Lata

I approached Ziploan for an equipment finance loan. Their eligibility criterion was easy to fulfill because it required only 2 years ITR and 10 lacs of annual banking credit.

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