Compare Home Loan Interest Rates & Housing Finance Options
Compare home loan interest rates starting from 8.35% p.a. across SBI, HDFC, ICICI and 20+ top banks. Check LTV ratios (up to 90%), calculate EMI amortizations, evaluate PMAY subsidies, and unlock Section 80C & Section 24(b) tax savings.
Compare Home Loan Rates Across Public & Private Banks
Compare verified interest rates, maximum loan limits, and repayment tenures up to 30 years.
State Bank of India (SBI)
Max tenure: 30 years • LTV up to 90% • Zero prepayment charges.
HDFC Bank Home Loan
Max tenure: 30 years • Doorstep documentation • Fast digital processing.
ICICI Bank Home Loan
Max tenure: 30 years • Pre-approved balance transfer offers.
Home Loan EMI Calculator & Amortization Schedule
Accurately project your principal repayment and interest outflow across 10 to 30 year repayment terms.
Calculate exact EMIs for loans up to ₹10 Crores with flexible interest rates starting at 8.35%.
Open Housing EMI CalculatorEligibility Requirements for First-Time Homebuyers
Check the core requirements required by banks for salaried and self-employed first-time buyers.
Credit Score (750+)
A CIBIL score of 750 or higher qualifies you for the lowest benchmark interest rates (8.35% p.a.).
Age & Income Stability
Applicants must be between 21 and 65 years with at least 2 years of documented employment or business vintage.
Property Approval & RERA
The property must have clear legal titles, encumbrance certificates, and RERA registration where applicable.
Tax Benefits on Home Loan Principal (80C) and Interest (Section 24b)
Indian tax laws offer substantial tax relief for residential property owners servicing registered housing loans.
Interest Deduction up to ₹2 Lakhs
Deduct up to ₹2,00,000 per financial year against total interest paid on a self-occupied property.
Principal Deduction up to ₹1.5 Lakhs
Claim up to ₹1,50,000 annually for principal repayment, stamp duty, and property registration charges.
Frequently Asked Questions on Balance Transfer & Top-Up Loans
Learn how switching your home loan can reduce EMIs and save up to ₹30 Lakhs in interest.
How does a home loan balance transfer work?
A home loan balance transfer allows you to transfer your outstanding loan balance from your existing lender to a new bank offering a lower interest rate, reducing your monthly EMI and overall interest payout.
What is the maximum LTV (Loan-to-Value) ratio for home loans in India?
Per RBI directives, banks can finance up to 90% of property value for loans up to ₹30 Lakhs, up to 80% for loans between ₹30 Lakhs and ₹75 Lakhs, and up to 75% for loans exceeding ₹75 Lakhs.