Every lender, side by side
A 0.25% rate gap on a 20-year loan can mean lakhs. Compare rates, processing fees, and EMIs before you choose.
Home Loan
Home loans for every dream, from the lender that fits you best
Compare home loan rates from leading banks and housing finance companies. Buy, build, renovate or switch your existing loan, with one application.
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Verified Bank & HFC Rates
Interest Rate
From 7.40% p.a.
Max Funding
Up to 90% LTV
Max Tenure
Up to 30 Years
Partners
30+ Top Banks
Trusted by India's leading home loan lenders & HFCs
Trusted by India's leading home loan lenders & HFCsHDFC BankICICI BankKotak Mahindra BankState Bank of IndiaIDFC FIRST BankHSBCFederal BankSouth Indian BankRBL Bank
Home loan at a glance
Flexible tenures up to 30 years, property funding up to 90%, and competitive interest rates starting from 7.40% p.a.
Loan amount₹5L – ₹10 Cr
Interest rateFrom 7.40% p.a.
Processing fee0.25% – 2.00%
Max tenureUp to 30 years
Max fundingUp to 90% LTV
30+
Lending partners
800+
Cities served
₹2,500+ Cr
Loans disbursed
4.8
Customer rating
Compare Lenders
Find the best home loan offers
Compare verified interest rates, max tenure, and funding limits from India's leading banks and HFCs.
Sort by:
LenderInterest rate (p.a.)Max tenureMax funding (LTV)Processing fee
7.40% – 9.20% p.a.
30 years
Up to 90% LTV
Up to 0.50%
7.50% – 8.70% p.a.
30 years
Up to 90% LTV
0.25%
8.20% – 10.80% p.a.
30 years
Up to 80% LTV
1.00%
8.30% – 9.30% p.a.
30 years
Up to 90% LTV
Up to 1.00%
8.70% – 9.50% p.a.
30 years
Up to 90% LTV
0.50%
8.75% – 9.60% p.a.
30 years
Up to 90% LTV
0.50%
8.75% – 9.60% p.a.
30 years
Up to 90% LTV
0.50%
8.80% – 9.75% p.a.
30 years
Up to 85% LTV
0.50%
Max tenure30 years
FundingUp to 90% LTV
FeeUp to 0.50%
Max tenure30 years
FundingUp to 90% LTV
Fee0.25%
Max tenure30 years
FundingUp to 80% LTV
Fee1.00%
Max tenure30 years
FundingUp to 90% LTV
FeeUp to 1.00%
Max tenure30 years
FundingUp to 90% LTV
Fee0.50%
Max tenure30 years
FundingUp to 90% LTV
Fee0.50%
Max tenure30 years
FundingUp to 90% LTV
Fee0.50%
Max tenure30 years
FundingUp to 85% LTV
Fee0.50%
Rates, tenure and funding ratios are as published by banks/HFCs and verified. Actual approval depends on property valuation, legal verification, and your credit profile.
View all partner lendersEMI Calculator
Know your EMI before you house-hunt
₹5,00,000₹10,00,00,000
12 months360 months
6%15%
Your EMI calculation
Principal amount
₹50,00,000Total interest
₹54,13,879Monthly EMI
₹43,391
Total payable
₹1,04,13,879
Loan Types
Types of home loans
A home loan is a secured loan to buy, build or improve a residential property. The property is the security, which is why rates are lower and tenures longer than other loans.
Already paying a home loan? Switch and save.
A balance transfer moves your loan to a lender with a lower rate, saving lakhs in interest. You can often add a top-up loan for home improvements too.
Why PaisaOne
Your biggest loan deserves a proper comparison
Maximum funding
Find lenders that fund up to 90% of your property's value, reducing your required upfront down payment.
Less paperwork
Upload income and KYC documents once digitally and track your legal verification and sanction in one app.
Support till sanction
A dedicated home loan specialist assists with document preparation, legal checks, and property valuation until final disbursal.
Eligibility
Who can get a home loan?
Work experience2 years or more
Monthly salary₹25,000 or more
NationalityResident Indians, NRIs and PIOs
Age18–21 to start; up to 70–75 at loan end
Credit score730+ preferred
Loan amount₹5 Lakh – ₹10 Crore
Applicant profiles accepted
Salaried EmployeesSelf-employed ProfessionalsBusiness OwnersNon-Resident Indians (NRIs)Co-applicants (Spouse / Parents)
Documents
Documents required
Identity & address proof
PAN card (mandatory), Aadhaar card, passport-size photographs
Income documents
Last 3 months salary slips, Form 16, or 2 years ITR with computation
Banking history
Last 6 months salary or current account bank statements
Property documents
Sale agreement, allotment letter, approved building plan, and NOC
Lenders may ask for additional property title records depending on municipal approval. Link your bank account via Account Aggregator to skip statement uploads.
How it works
From application to keys in 4 steps
- 1
Compare offers
Share income and property details; see rates from matching lenders.
- 2
Apply & upload
Choose a lender and submit KYC and income documents online.
- 3
Legal & valuation
The lender checks the property's title and value, then issues a sanction letter.
- 4
Disbursal
Sign the loan agreement; funds go directly to the seller or builder.
Fees & charges
What a home loan costs beyond interest
Charges vary by lender, property valuation, and your credit profile. Your lender's sanction letter and Key Fact Statement list the exact amounts before signing.
Fee typeApplicable charges
Processing fee0.25% – 2.00% of loan
Administrative fee₹2,000 – ₹10,000
Legal & technical fee₹5,000 – ₹15,000
Valuation charges₹2,000 – ₹5,000
Prepayment (floating rate)Nil (RBI mandate)
Prepayment (fixed rate)2% – 4% of outstanding
Stamp duty & statutoryAs per state laws
Representative example
Loan amount₹50,00,000
Interest rate8.50% p.a.
Tenure20 years (240 mos)
Processing fee (incl. GST)₹12,500 (0.25% + GST)
Monthly EMI₹43,391
APR8.75%
Total payable₹1,04,13,879
Approval & Disbursal Timelines
3–5 working daysIn-principle digital sanction
7–15 working daysLegal checks & stage disbursal
Timelines depend on property legal title verification, municipal checks, and valuation reports.
Tax Benefits
Save tax on your home loan
Under the Income Tax Act, residential property borrowers can claim substantial annual tax deductions on both principal repayment and interest components.
Section 80CPrincipal Repayment
₹1.5 L/ year
Deduction on the principal amount repaid during the financial year. Stamp duty and registration charges also qualify within this threshold in the year of purchase.
Applicable on self-occupied & let-out
Section 24(b)Interest Component
₹2.0 L/ year
Deduction on home loan interest paid for a self-occupied residential unit once construction is complete. Pre-construction interest can be claimed in 5 equal parts.
Self-occupied residential property
Rented PropertyLet-out Property
No Capon interest
Full interest paid is deductible against annual rental income. Net loss from house property can be set off against other income up to ₹2 Lakh per fiscal year.
Maximized tax shield on rental income
* Section 80C and Section 24(b) deductions for self-occupied properties apply under the traditional Old Tax Regime. Tax laws are subject to change; please consult a qualified chartered accountant or tax advisor for individualized guidance.
Government Housing Subsidy
First home? Check Pradhan Mantri Awas Yojana (PMAY)
Eligible first-time home buyers may receive an upfront interest subsidy credited directly to their loan account under Central Government housing schemes.
The PaisaOne difference
PaisaOne vs applying to one bank
PaisaOneRecommended
30+ banks & HFCs side by side
Compare 0.25% rate gaps worth lakhs
Matched with lenders offering up to 90% LTV
Single digital form for all top lenders
Dedicated home loan expert until keys
Single lender directly
Single bank's quote
Fixed to single branch rate
Limited by bank's internal cap
Re-submit documents for each HFC
Branch follow-ups on your own
Single lender directly
Offers you see
Interest savings
Funding percentage
Application effort
Sanction support
PaisaOneRecommended
30+ banks & HFCs side by side
Compare 0.25% rate gaps worth lakhs
Matched with lenders offering up to 90% LTV
Single digital form for all top lenders
Dedicated home loan expert until keys
Single bank's quote
Fixed to single branch rate
Limited by bank's internal cap
Re-submit documents for each HFC
Branch follow-ups on your own
Customer StoriesShowing review 1 of 4
Home buyers who trusted PaisaOne
Discover how thousands of families secured the lowest interest rates and highest property funding for their dream homes.
50,000+Happy Customers
4.8/5Average Rating
90%Would Recommend
4.9 Star Verified Reviews
Frequently Asked
Home loan questions, answered.
Find quick answers to common home loan questions. Need assistance choosing the right lender? Speak to our team.
01How much home loan can I get?
01How much home loan can I get?
You can get from ₹5 Lakh up to ₹10 Crore, depending on your monthly net income, existing liabilities, age, credit score, and the market value of the property you are purchasing.
02Which bank offers the best home loan?
02Which bank offers the best home loan?
Public sector lenders like State Bank of India and Bank of Baroda offer competitive floating rates starting from 7.40%–7.50% p.a., while private banks like HDFC Bank and Axis Bank provide faster digital approvals and flexible eligibility for high-ticket homes.
03How much of the property value will the bank fund?
03How much of the property value will the bank fund?
RBI guidelines permit banks to fund up to 90% of the property value for loans up to ₹30 Lakh, up to 80% for loans between ₹30 Lakh and ₹75 Lakh, and up to 75% for loans above ₹75 Lakh.
04What is the lowest home loan interest rate?
04What is the lowest home loan interest rate?
Current verified home loan rates start from 7.40% p.a. for borrowers with a CIBIL score of 750 or higher and a stable salaried or professional income.
05How long does approval take?
05How long does approval take?
Digital in-principle sanction is issued within 3 to 5 working days. Complete legal title verification, physical property valuation, and final disbursal take approximately 7 to 15 working days.
06Can I prepay my home loan?
06Can I prepay my home loan?
Yes! Under RBI regulations, zero prepayment or foreclosure charges apply to individual floating-rate home loans. You can make partial prepayments or close the loan anytime without penalty.
07What credit score do I need?
07What credit score do I need?
A credit score of 730 or above is preferred by most banks to secure the lowest interest rates and highest loan-to-value (LTV) funding ratio.
08Can I get a loan for an under-construction property?
08Can I get a loan for an under-construction property?
Yes. Loans for under-construction properties are approved upfront, and funds are disbursed in tranches to the builder directly according to construction milestones.
09What is a home loan balance transfer?
09What is a home loan balance transfer?
A balance transfer lets you move your outstanding home loan from your current lender to a new bank offering a lower interest rate, helping you save lakhs in total interest and reduce your monthly EMI.
10Are there government subsidies for home loans?
10Are there government subsidies for home loans?
Yes. Under Pradhan Mantri Awas Yojana (PMAY) and related credit-linked subsidy schemes, eligible first-time homebuyers from EWS, LIG, and MIG categories can receive an interest subsidy credited upfront to their loan account.
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