Home Loan – Compare & Apply Housing Loan Online upto Rs. 10 Crore
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Home loans are one of the preferred financial tools that allows an individual to purchase a plot or a residential property on loan. These loans are offered by banks and Housing Finance Companies (HFCs) at attractive interest rates. Special home loan schemes are offered as well.
What is a Home Loan?
A home loan is offered by lenders to individuals to residential property. A significant portion of the cost of the property is covered by a home loan. Borrowers will have to make a down payment and the remaining amount can be cleared in Equated Monthly Instalments (EMIs). The tenure of a home loan ranges between 5 years and 30 years.
| Bank Name | Interest Rate | Processing Fee | Loan Amount/Tenure | |
 SBI Home Loan | 8.50% p.a. – 9.65% p.a.(Floating Rate) | 0.35% onwards (min. Rs.2,000; max. Rs.10,000),currently NIL during the campaign period(Processing Fee) | Loan Amount At the discretion of the bank1-30 YearsTenure Range | Enquire |
 HDFC Home Loans | Special Home Loan Rates for Salaried & Self Employed: 8.75% to 9.65%* p.a., Standard Home Loan Rates for Salaried & Self Employed: 9.40% to 9.95%* p.a. | 0.5% or Rs.3,000, whichever is higher(Processing Fee) | Contact the bank for detailsLoan Amount1-30 YearsTenure Range | Apply Now |
 Union Bank Home Loan | 8.35% p.a. to 10.75% (Floating Rate) for salaried and non-salaried individuals, 8.35% | 0.50% or ₹15,000 Maximum(Processing Fee) | ₹ Contact the bank for detailsLoan Amount1-30 YearsTenure Range | Enquire |
 PNB Housing Home Loan | 8.50% p.a. onwards(Floating Rate)for up to Rs.30 lakh | Up to 0.5% of the loan amount(min 10,000 in both cases, excluding taxes)(Processing Fee) | ₹ Up to 90% of the cost of the propertyLoan Amount1-30 YearsTenure Range | Enquire |
 LIC HFL Home Loan | 8.50% p.a.(Floating Rate)for salaried individuals for up to Rs.5 crore 8.75% p.a. for non-salaried individuals for up to Rs.5 crore | For CIBIL >= 725, Rs.50,000/- + GST and For CIBIL < 725, Rs.60,000/- + GSTFor CIBIL >= 725, 0.25% of loan amount subject to maximum of Rs.20,000/- +GSTand For CIBIL < 725, 0.30% of loan amount subject to maximum of Rs.24,000/- +GST(Processing Fee) | ₹ 10L -₹ 3CrsLoan Amount5-up to 30 YearsTenure Range | Enquire |
 Axis Bank Home Loan | 8.75% p.a. for salaried and 9.10% p.a. for self-employed(Fixed /Floating Rates) | Up to 1%(Processing Fee) | ₹ 10L -₹ 5CrsLoan Amount1-30 YearsTenure Range | Enquire |
 Aditya Birla Capital Home Loan | 8.60% p.a. onwards | Up to 1.00% of the loan amount + applicable tax(Processing Fee) | Contact the bank for detailsLoan Amount1-30 YearsTenure Range | Enquire |
 Karnataka Bank Home Loan | 8.60% – 10.62% p.a.(Floating Rate) | Contact the bank for details(Processing Fee) | Up to ₹ 5CrsLoan Amount1-30 YearsTenure Range | Enquire |
 IDFC Home Loan | 8.85% p.a. onwards for salaried and 8.85% p.a. for self-employed(Floating Rate) | Up to 3%(Processing Fee) | Rs.1 lakh – Rs.5 croreLoan Amount5-30 YearsTenure Range | Enquire |
 Bank Of Baroda Home Loan | 8.40% p.a to 10.60% p.a.(Floating Rate)for both salaried and non-salaried individuals | Contact the bank for information(Processing Fee) | ₹ 1L -₹ Up to 10 CroreLoan AmountUp to 30 YearsTenure Range | Enquire |
 Canara Bank Home Loan | 8.40% p.a. to 11.75% p.a. (Floating Rate) for women borrowers 8.55% p.a. to 11.25% p.a. for other borrowers | 0.50% (min. Rs.1,500; max. Rs.10,000)(Processing Fee) | Rs.1 lakh – Rs.3 crore -Loan Amount30 YearsTenure Range | Enquire |
 Kotak Mahindra Bank Home Loan | 8.75% p.a. onwards for salaried and non-salaried individuals, respectively | 0.5% of the loan amount(Processing Fee) | Loan Amount 10 Lakh to 10 Crore1-20 YearsTenure Range | Enquire |
 DBS Home Loan | Contact the Bank | ₹ 10000+ taxes(Processing Fee) | Up to ₹ 5CrsLoan Amount1 – 25 YearsTenure Range | Enquire |
 Sundaram Home Finance Limited Home Loan | 10.00% p.a. onwards for salaried individuals and 10.50% for non-salaried individuals | Contact the bank for details(Processing Fee) | ₹ 1L -₹ 4CrsLoan Amount1-25 YearsTenure Range | Enquire |
 Bank of Maharashtra Home Loan | 8.35% p.a. to 10.90% p.a. | 0.25%(One time fee)(Processing Fee) | Loan Amount1 – 30 YearsTenure Range | Enquire |
Note:
*All loans are at the sole discretion of HDFC Home Loans.Terms and conditions apply.
Top Housing Loan Schemes & Offers
- Kotak Mahindra Bank – Best for Low-Interest Rate
- Low-interest rates start from 8.75% p.a. onwards for salaried and self-employed individuals, respectively.
- Processing fee of up to 0.50% of the loan amount
- Loan tenure of up to 20 years
- Zero prepayment charges
- Balance transfer with top-up loan available
- Canara Bank Housing Loan – Best Interest Rate for Women
- Low-interest rates for women starting from 8.40% p.a. to 11.75% p.a. (Floating Rate).
- Maximum repayment tenure of 30 years or up to 70 years.
- Processing fee of up to 0.50% of the loan amount
- It Can be used to purchase or construct a house/flat
- Zero prepayment charges
- Axis Bank Home Loan – Best Interest Rate for Salaried Employees
- Low-interest rates starting from 8.75% p.a.
- Loan amounts of up to Rs.5 crore
- Maximum repayment tenure of 30 years
- Processing fee of up to 1% of the loan amount
- No prepayment/foreclosure charges
- HDFC Reach Home Loans for self-employed professionals
- Attractive interest rates start from 8.75% to 9.65% p.a. and 9.40% to 9.95%* p.a.
- Flexible repayment tenure of up to 30 years
- Processing fee of 2% of the loan amount
- Minimal documentation with minimum income of Rs.2 lakh p.a.
- Add a woman co-owner for lower interest rates
- SBI Privilege Home Loan for Government Employees
- Low interest rates starting from 8.50% to 9.65% p.a.
- Zero processing fee
- Loan tenure of up to 30 years
- Reduced interest rates for women borrowers
- Interest concession when checkoff is provided
- PNB HFL Plot Loan – Best Home Loan for Plot and Construction
- Attractive rates starting from 9.50% p.a.
- Flexible loan tenure of up to 30 years
- Processing fee of up to 0.5% of the loan amount
- Loan enhancement in case of escalating costs
- Quick loan application and approval process
- SBI Realty Home Loan – Best Home Loan for Land Purchase
- Low-interest rates starting from 8.60% p.a.
- The Maximum tenure of ten years
- Processing fee of up to 0.35% of the loan amount
- Maximum loan amount of up to Rs.15 crore
- Interest rate concession for women borrowers
- SBI Smart Home Top-Up Loan – Best Top Up home loan
- Interest rates starting from 8.80% p.a. to 11.30% p.a.
- Processing fee of Rs.2,000 + GST (Minimum) to Rs.10,000 + GST (Maximum)
- Overdraft facility for loans above Rs.20 lakh
- Loan tenure of up to 30 years
- No prepayment penalty
- Union Awas Home Loan – Best for Low Credit Score
- Interest starts from 10.75% p.a. for credit scores below 600 for loans of up to Rs.30 lakh
- Moratorium period of up to 3 years for construction or purchase of a home
- Loan tenure of up to 30 years
- For agriculturists, quarterly/half-yearly/annual repayments instead of EMI can be availed
- Open to permanent employees of educational institutions and agriculturists with a yearly income of up to Rs.48,000 p.a.
Courtesy To: Bankbazaar
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