To Buy Flats in Chennai, homebuyers can avail of home loans from leading banks and housing finance companies. Lenders offer up to 80–90% of the property value as a loan, depending on the applicant’s credit score and income. Loan interest rates vary between 8% to 9.5%, with repayment tenures of up to 30 years. Many banks provide pre-approved loans for projects by reputed builders. Comparing offers and getting pre-approval can ease your purchase process and help with faster property selection.