Compare home loan interest rates, processing fees, and eligibility criteria for 2025. Make a well-informed choice and plan your dream home purchase with confidence.
Home loan interest rates in India typically range between 8.5% to 13% p.a. depending on your credit profile, income, and loan tenure. Always check for:
Comparing multiple lenders and maintaining a good CIBIL score (750+) can help you secure better rates.
Before finalizing a lender, test different combinations of interest rate and tenure using a Home Loan EMI Calculator. This helps you:
Planning your EMI ensures smooth repayment and financial stability throughout your loan period.
Top lenders include SBI, HDFC, ICICI Bank, Axis Bank, and LIC Housing Finance — known for competitive rates and flexible repayment options.
As of 2025, most banks offer rates between 8.5% to 13% per annum depending on your credit score, income stability, and loan tenure.
You can reduce EMI by making part-prepayments, opting for longer tenures, or transferring your loan to another lender offering a lower rate.
Fixed rates ensure stable EMIs, while floating rates fluctuate with market trends. Choose based on your financial flexibility and market outlook.
Most lenders prefer a CIBIL score of 700+ for faster approval and lower interest rates.
Yes. Under Section 80C, you can claim deductions up to ₹1.5 lakh on principal repayment and ₹2 lakh on interest under Section 24(b).