Home loan interest rate — and how to get a low one

Two borrowers walking into the same branch on the same day can be quoted rates half a percent apart. The gap is credit score, income type, loan-to-value and negotiation.

Indicative range
8.35%–10.5% p.a.*
Rate type
Floating or fixed
Comparison
15+ lenders

Get a free loan quote

Share a few details and we will call you back the same working day.

Or call +91 98927 44744 · Mon – Sat, 10:00 am – 7:00 pm

What moves your rate

Most of these are things you can influence before you apply.

  • Credit score — the jump from 720 to 760 is often worth 0.15–0.30%
  • Loan-to-value — borrowing 75% instead of 90% usually prices better
  • Income proof quality: documented salary or ITR versus assessed income
  • Whether the lender wants your segment this quarter

Floating rates reset — so review yours

Floating home loans are linked to an external benchmark and move with it. If your current rate sits well above what new borrowers are being offered, ask your lender for a reset first; if they refuse, a balance transfer usually settles it.

Home Loan Interest Rate — frequently asked questions

EMI calculator

Know your monthly EMI before you apply

Move the sliders to see how loan amount, interest rate and tenure change your EMI.

₹50.0 L
₹5 L₹5 Cr
8.50% p.a.
7%16%
20 years
1 yr30 yrs

Monthly EMI

₹43,391

48% principal · 52% interest over the full term

Principal
₹50,00,000
Total interest
₹54,13,879
Total payable
₹1,04,13,879
Send this to us on WhatsApp
How it works

Four steps from enquiry to keys

  1. 01

    Share your requirement

    Call, WhatsApp or fill the form. We understand your income, property and budget.

  2. 02

    Document check

    We collect and verify your papers, then fix any gaps before the file goes out.

  3. 03

    Best bank match

    We place your file with the lenders offering you the best rate and highest eligibility.

  4. 04

    Sanction & disbursal

    Legal, valuation and registration follow-ups handled till the money reaches the seller.

Home Loan in your City

Look through the home loan options available in your city — we serve 49 cities across India.

Call nowWhatsApp