Want to renovate your home? Get Instant Home Improvement Loans

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Eligibility Criteria
Take Home Salary > ₹20,000
At least 23 years old
Work for a Private Ltd. /
     Public Ltd./ Govt. Company
EMI starting from ₹2,733/lac*
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EMI starting from ₹2,733/lac*

Smart Personal Loans for a Smarter India

Quick hassle-free loans from ₹50,000 to ₹7,50,000.
Get the money in your bank account .

Easy Application

Easy Application

No unnecessary meetings or paperwork. Just tell us about yourself, your employment and your needs.

Flexible Loans

Flexible Loans

Choose the loan that’s best for you. Adjust your repayment to go inline with your future financial goals.

Fast Payment

Fast Payment

Once your loan is approved, we transfer the money straight into your bank account.

Secure Process

Secure Process

We keep all your data secure with 128 bit SSL encryption and we promise never to sell your data.

How it works

Step 1

Get your loan offer in 10 minutes

Answer a few questions about your employment, education and expenses.


Submit your bank statements

Connect securely to your bank via netbanking and submit bank statements as part of the easy loan application form.


Choose your term

Choose the loan offer which is best suited to your needs.


Get your funds tomorrow

Once your loan is approved, get the money in your bank account the next day.


Repay your loan

Pay your loan off with automatic EMI payments

How it works

Step 1: Get your loan offer in 10 minutes

Answer a few questions about your employment, education and expenses.

Step 1

Step 2: Submit your bank statements

Connect securely to your bank via netbanking and submit bank statements as part of the easy loan application form.

Step 2

Step 3: Choose your term

Choose the loan offer which is best suited to your needs.

Step 3

Step 4: Get your funds tomorrow

Once your loan is approved, get the money in your bank account the next day.

Step 4

Step 5: Repay your loan

Pay your loan off with automatic EMI payments

Step 5

Qbera Home Renovation Loans in Bangalore

Home Improvement Loans Overview

After 12 years in their modest ‘Gulmohar Villa’, Arjun Pathak and his wife Jessica were all set for something larger and improved. When they bought the house in 2004, they availed a home loan for a 20 year tenure, though 75 percent of it is already prepaid (thanks to combining smart options like refinancing and part prepayment). They thought they could finally get a more stylish form to their home. They surfed a good many online and offline home improvement catalogues and were shocked. The price was way more than they had anticipated.

What do you think is the best option for the Pathaks when they do not want to pledge any property they own? Of course there is a way. There always is.

Everyone who owns a house and has remodeled it at least once can find this terrifically relatable. Yes, home restoration causes more stress than buying a new house. Sounds unbelievable, right? Be it kitchen renovation, bathroom remodeling or building a new room, you will be forced to watch your good ol’ domestic serenity transforming into full-fledged turmoil. And this is nothing compared to the drama once the workers are hired. Tantrums, vanishing act, screaming, getting every resident (of varying ages) to adjust accordingly when workers and their noisy machines occupy the house and many more can give tough competition to the most bizarre parody script, causing stress after stress for homeowners. Many rely on home renewal loans to make the renovation smooth sailing.

When do you need to improve your home?

Usually, most property holders contemplate upgrading their homes and surroundings for specific occasions like a wedding in the family, a new addition in the family or the homecoming of a loved one. There are some people who renovate just because they are in need of change in their surroundings,. Some may even renovate just before they plan on selling their house, as a renovated house with modern finishings and furnishings has a higher market value.

As property prices are slowly recovering from the slight crack in the real estate crash due to demonetization, home buying and home improvement are also returning to normal. People splurge on renewal of houses to fit their changing requirements or to make it rather appealing to prospective purchasers. Needs and tastes change, evolve and go in and out of fashion constantly. What you thought was amazing when you furnished your home might seem dull and drab now. Or now that the children are past their destructive-phase, it is safe to invest in some swanky remodeling or cool furniture.

Along with changing the entire set of furniture, trendier flooring and upgrading the kitchen, some other popular home refurbishment options are to do with giving a face-lift to the exteriors- fencing, changing the roof, building a driveway, or landscaping to name a few.

Personal finance to improve your home

Many homeowners struggle to arrange funds required to give houses the face-lift they want, especially as most still have their outstanding housing loans (among other obligations) in the picture. As personal loans are unsecured, most banks have stringent criteria for meting them out. This is where Qbera serves as a Good Samaritan. Salaried people (earning more than INR 20,000 per month) with a CIBIL score of 625 or more can easily borrow up to INR 7.5 lacs in one day.

How to get your home improvement plans right:

Before taking an abrupt decision that your house needs significant improvements (doesn’t it always). Wait before you take up the hammer. Have you finalized your plans on what to change and what to refurbish? Is everyone in the home ok with the final plan? If not, get those right first. You need to figure out a plan along with a rough budget before you even approach a lender or service provider for adequate finance. Ranging from mini tasks like window replacement and fixing a new wardrobe or two to big projects like adding a room or landscaping, home repair costs vary unimaginably.

Check out a few factors given below to get it right:

a. Does this require professional assistance/help?

Some of us are quite adept at managing minor repairs. No doubt, it is cost-effective too. But let us be realistic here. You may be able to take care of jobs like painting the walls. But what about something like changing the wiring (unless this is your area of expertise and you have done it before)? It is better not to see this as an opportunity to ‘learn something new’ because it is likely that you will lose both time and money not to mention your sanity trying to figure out things when you are already short of cash.

b. What are the legal formalities involved?

It is a sad fact that most of us are unaware of the many laws of the land until penalized. Certain renovation plans, for instance extensions beyond 75cms require approvals from the respective Municipal Corporation or Panchayat. It is strongly recommended that you check these facts before you venture down that path.

c. Lifestyle versus investment:

What is the purpose of improving the home now? Is it to improve quality of your life (with better and cozy furniture without compromising on aesthetics)? Or is it to increase the resale value (like an additional office room or getting a solar panel installed) or is it purely need-based (like essential repairs you cannot postpone any longer)? Sort this out first and you will get a better picture of what you want.

d. How do I go about budgeting the project?

Now that you have made a list, it should be easy to prepare a rough budget. Meet the contractors/workers and get an estimate for the materials as well as the labor. If it is more than what you have anticipated, you can easily apply for a personal loan.

Borrowing via Qbera - The Money Game:

Until a few years ago, arranging cash for a new home-look, be it adding a new kitchen or another storey, always meant approaching a bank, convincing the loan manager and hoping that you request would be granted. As personal loans are unsecured, banks don’t give out loans to just anyone. They follow a strict criteria regarding the applicant’s income, CIBIL score and current obligations among others and only a small percentage of applicants could pass this. Things are different today. And Qbera is one such service provider that offers personal loans up to INR 7.5 lacs to salaried people. While most banks do not consider loan seeker with CIBIL score that falls below 700, Qbera only asks for a credit score of 625 and above. Here you will be pleasantly surprised to know that you are eligible to borrow more than you were told you could. The goal is to make loan shopping a quick and simple process with zero confusion. Any query you might have about the process will be happily answered by our staff.

Features & Benefits of Home Renovation Loans Via Qbera:

Interest rates

Personal finance via Qbera can cost you an interest rate starting from 14% but no more than 24% as per the RBL norms.

Loan tenure

You can opt for tenures ranging from one year to three years. The longer the home improvement loan is, the lesser the EMI. But you will be levied more interest. That is why you'll shell out far less for 6-month loan than for an 18-month loan.

Loan sum

You may borrow any amount ranging from INR 50,000 to INR 5,00,000 via Qbera. Whether you get professional help or plan to do the renovations yourself, start by preparing a rough approximation of expenses. Despite the grand promises and flimflam contractors and companies make in their advertisements and promo events, there are bound to be some added outlays. Be prepared for these added expenses, and while selecting a loan amount, make sure you keep some buffer amount for these surprises.

Eligibility constraints

The amount you can take as personal mortgage hinges on your credit history, the loan-to-value ratio, and your salary. Qbera doesn’t keep a high bar for these (at least not as much as other lenders). The minimum remuneration requirement is INR 20,000. Personal loans are not endowed with tax benefits under section 80 and the interest rate is also a tad more. But for those who do not want to put up any asset (home, gold or other property) as collateral, this is a good alternative. All you need is a salaried job and a decent credit score of at least 625.

How to apply for a Home Improvement Loan via Qbera

Qbera application procedure takes the words ‘easy’, ‘quick’ ‘simple’ and ‘hassle-free’ among others to a new level. Given below are 5 steps to get it done the Qbera way.
  • Just log on to Qbera.com and fill in the application form (it barely takes 5 minutes)
  • Upload your bank statement on the website
  • Qbera gives you an offer within 4 hours
  • Our representative will come and collect the documents
  • Money transferred to your account in less than 24 hours
  • Qbera may be able to help when you need it the most. Apply now for a smart hassle-free loan in bangalore.

Types of Loans

At Qbera we offer quick hassle-free loans for several purposes

Easy Application

Second Hand Car Loans

At Qbera, you can apply for any vehicle loan be it a bike loan, scooter loan or even a used car loan without any of the difficulties that are often faced with traditional banks and NBFCs.

Flexible Loans

Wedding Loans

Qbera is there by your side to ensure you don’t have to compromise on your big day. Get a marriage loan, an engagement loan or a honeymoon loan instantly with Qbera even at the last minute.

Fast Payment

Credit Card Refinancing

Saddled with credit card debt? Want to repay the balance on your card? With Qbera, convert your high-cost credit card debt into affordable monthly EMIs at low interest rates in no more than 24 hours.

Secure Process

Education Loans

Want to study further but require funding for your fees? We offer instant education loans for salaried professionals at attractive interest rates. Apply today to fulfill your educational goals.

Easy Application

Home Improvement Loans

Require furniture or interiors for your new house or want to renovate your existing home? Qbera provides Home improvement loans, home remodeling loans, home renovation loans, home repair loans and furniture loans instantly!

Flexible Loans

Travel Loans

At Qbera, get a travel loan of up to 7.5 lakhs in a quick, convenient process. We offer travel loans, tour loans, holiday loans, vacation loans, air ticket loans, foreign travel loans, cruise booking loans in less than 24 hours.

Fast Payment

Medical Loans

Medical issues often require urgent funding. In such situations, getting money quickly is a top priority. At Qbera, we respect this and can help you with such Medical loans or emergency cash in less than 24 hours.

Secure Process

Loan Refinancing

Existing loans that you may have can be refinanced to lower your monthly payments. Be it a payday loan, credit card loan, education loan, wedding loan or travel loan. Qbera offers the fastest loans for debt consolidation or refinancing.

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We are a Bangalore-based company offering digital, quick, hassle-free personal loans to people when they need them.

Loan amounts range from Rs.50,000 to Rs.7,50,000. APR ranges from 14% to 24%. Loan lengths range from 12 to 48 months. Administration fee ranges from 2% to 4%.

* Subject to Risk Profile

E-mail: contact@qbera.com
Phone: 1800 4198 121
Whatsapp:+91 89719 28484
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#39, 8th Main Road,
Vasanth Nagar.
Bangalore 560 052

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