Make Your Dream Home
A Reality
Get home loans with the lowest interest rates starting from 8.50% p.a., up to 90% funding, and flexible repayment options up to 30 years. Zero processing fee for limited time.
What is a Home Loan?
A home loan is a secured loan facility offered by banks and Housing Finance Companies (HFCs) for purchasing, constructing, renovating, repairing, and extending residential properties. The loan is secured against the property being financed, which means the lender has the legal right to take possession of the property in case of default and auction it to recover the outstanding loan amount.
Home loans are one of the most popular and affordable financing options available to individuals, offering competitive interest rates, longer repayment tenures, and significant tax benefits. With PaisaOne, you can compare home loan offers from multiple lenders and choose the best option that suits your financial needs.
Types of Home Loans
Choose from our comprehensive range of home loan products designed for every home financing need
Home Purchase Loan
Finance your dream home with up to 90% funding
Home Construction Loan
Build your home with flexible disbursement options
Home Improvement Loan
Renovate and upgrade your existing home
Plot Purchase Loan
Buy residential plots in approved layouts
Top Home Loan Lenders
Compare interest rates and features from leading banks and HFCs
| Lender | Interest Rate (p.a.) | Max LTV | Max Tenure | Processing Fee | Action |
|---|---|---|---|---|---|
| State Bank of India | 8.50% - 9.70% | 90% | 30 years | 0.35% | Apply |
| HDFC Bank | 8.60% - 9.50% | 90% | 30 years | 0.50% | Apply |
| ICICI Bank | 8.70% - 9.75% | 90% | 30 years | 0.50% | Apply |
| Axis Bank | 8.75% - 9.65% | 90% | 30 years | 1.00% | Apply |
| Kotak Mahindra Bank | 8.70% - 9.50% | 90% | 30 years | 0.50% | Apply |
| Punjab National Bank | 8.55% - 9.35% | 90% | 30 years | 0.35% | Apply |
| Bank of Baroda | 8.50% - 9.25% | 90% | 30 years | 0.25% | Apply |
| Canara Bank | 8.40% - 9.25% | 90% | 30 years | 0.50% | Apply |
| LIC Housing Finance | 8.50% - 9.40% | 90% | 30 years | 0.50% | Apply |
| HDFC Ltd | 8.60% - 9.55% | 90% | 30 years | 0.50% | Apply |
*Interest rates are subject to change and depend on individual credit profiles. Last updated: 6/7/2025
Why Choose Our Home Loans?
Experience the best home loan features designed to make your home buying journey smooth and affordable
Up to 90% Funding
Get maximum loan amount with minimal down payment
30 Years Tenure
Flexible repayment tenure up to 30 years
Zero Processing Fee
No processing fee for limited period offer
Quick Approval
Fast approval with minimal documentation
Home Loan Eligibility Criteria
Check if you meet the basic eligibility requirements for a home loan
Documents Required
Simple documentation process for quick approval
- PAN Card & Aadhaar Card
- Last 3 months salary slips
- Last 6 months bank statements
- Form 16 or IT Returns (2 years)
- Property documents
- Passport size photographs
- Employment certificate
- Appointment letter
- PAN Card & Aadhaar Card
- Business registration documents
- Last 12 months bank statements
- IT Returns & P&L (3 years)
- Property documents
- Passport size photographs
- Business license
- GST registration certificate
- Sale deed/Agreement to sell
- Approved building plan
- NOC from society/builder
- Property tax receipts
- Encumbrance certificate
- Survey settlement records
- Completion certificate
- Occupancy certificate
Home Loan Processing Fees & Charges
Understand all the fees and charges associated with your home loan
| Particulars | Charges |
|---|---|
| Processing Fee | 0.25% - 2% of loan amount |
| Administrative Fee | ₹2,000 - ₹10,000 |
| Legal & Technical Fee | ₹5,000 - ₹15,000 |
| Valuation Charges | ₹2,000 - ₹5,000 |
| Prepayment Charges (Fixed Rate) | 2% - 4% of outstanding |
| Prepayment Charges (Floating Rate) | Nil |
| EMI Bounce Charges | ₹400 - ₹750 |
| Late Payment Charges | 2% per month |
Home Loan Tax Benefits
Save taxes with home loan repayments under various sections of Income Tax Act
Section 80C
Principal Repayment
Deduction on principal amount, stamp duty, and registration fees
Section 24(b)
Interest Payment
Deduction on interest paid for self-occupied property
Section 24(b)
Let-out Property Interest
Full interest deduction for let-out properties
Note: Tax benefits are available only under the old tax regime. Consult with a tax advisor for personalized advice based on your financial situation.
Home Loan EMI Calculator
Calculate your monthly EMI and plan your home loan better
Calculate Your Home Loan EMI
Use our advanced EMI calculator to determine your monthly payments and total interest cost
Open EMI CalculatorFrequently Asked Questions
Get answers to common questions about home loans
Ready to Buy Your Dream Home?
Get pre-approved for your home loan in minutes with our simple online process and competitive interest rates