100% home loan financing available for ₹30-50 L properties through 5 leading banks: PNB, Bank of Baroda, Canara Bank, Union Bank, and SBI under affordable housing schemes.

Product details: SubhAarambh, Home Advantage, affordable housing finance. Eligibility: Annual income ₹6-12 L, first-time buyer, CIBIL ≥700, property ≤₹45 L in metro. Terms: 0.35% processing fee, mortgage insurance mandatory, 10-year fixed-rate reset.

Comparison: vs regular 80-90% LTV, affordable schemes offer full financing. Risk factors: Higher EMI burden, negative equity possibility, income verification strict. Benefits: Lower down payment, faster home ownership, government subsidy eligibility. Keywords: 100% home loan, affordable housing finance, first-time buyer benefit.