Even if this phrase might have been a valid phrase to describe loan seekers’ situation in the early 2000s, it cannot be further from the truth in 2022. Getting an online home loan has never been easier in India. Banks and NBFCs also offer home loans at low-interest rates and higher repayment tenures. Online loan aggregators entering the loan market have made applying for a loan hassle-free. You can check out new, tech-driven platforms like KuberX. They make the loan approval process easier for both the seeker and the developer. Through their platform, I compared all available home loan options and chose the most optimal one for me. I suggest you do the same.