Home Loan — Rates from 8.5% p.a.

Buy your dream home with the lowest home loan rate. Compare offers from SBI, HDFC, ICICI, Axis and 20+ lenders. Free eligibility check.

₹10 Cr

Max Loan

8.5%

Rate from

30 yr

Max Tenure

80%

LTV Ratio

Check Home Loan Rates → Check Eligibility

Compare

Best Offers Available

HDFC Bank

10.5%

p.a. onwards · Up to ₹40L

ICICI Bank

10.75%

p.a. onwards · Up to ₹50L

Axis Bank

10.49%

p.a. onwards · Up to ₹40L

SBI

11.05%

p.a. onwards · Up to ₹20L

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What to know before taking a home loan

A home loan is typically the largest financial commitment of your life. Even a 0.5% difference in rate can mean lakhs of rupees over a 20-year tenure. Always compare at least 3-4 lenders before applying. Use our home loan calculator to understand your EMI at different rates.

Key factors lenders check

Your CIBIL score (prefer 750+), income, employment stability, existing EMI obligations, age, and the property's value and legal standing. Check your credit score free and improve it before applying if needed.

FAQ

Frequently Asked Questions

What is the minimum down payment for a home loan?

RBI mandates a minimum 20% down payment. So for a ₹50L property, you need at least ₹10L as down payment.

Can I get a home loan with a 700 CIBIL score?

Yes, most banks approve home loans from 700 but at higher rates. A score of 750+ gets the best rates.

How much home loan can I get on my salary?

Most lenders allow EMI up to 40-50% of your net monthly income. Use our loan eligibility calculator.