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Bank name Interest Type Processing Fee
0-30 lakh 30-75 lakh 75-150 lakh
SBI Bank Floating 0.5% of loan amount 9.70% 10.00% 10.00%
LIC Housing Fixed depending on the profile 9.95% 10.25 % 10.50%
Axis Bank Floating 0.5% - 1% + ST 9.85% 10.35% 10.35%
DHFL Floating 1%+ST(Service tax) 9.90% 10.50% 11%
HDFC Bank Fixed 1% -1.5%+ST 9.95% 10.05% 10.55%
ICICI Bank Fixed 1% -1.5%+ST 9.85% 9.85% 9.85%
IDBI Bank Floating 1% and Rs.2500 + St 10% 10.15% 10.15%
Standard Chartered Floating Rs.7500/- + ST 10.10% 10.25% 10.50%
Citi bank Floating 1-1.5%+ST 10.15% 10.20% 10.20%


Apply for Home Loans - Home Finance - Home Loan - housing loans in India expert will help you get the best HOME LOAN - the best rates and the maximum loan amount in the quickest time. We will support you through all the paperwork including the legal and valuation processes. We will be with you from the time of loan application till the property registration. We can provide home loan 10 to 15 working days for processing of one's application if the documented are in order – We are offering Home Loans, Mortgage Loans, Home Loan transfer and NRI home Loans through Lic housing finance, SBI Bank, HDFC Bank, ICICI Bank, AXIS bank and all major Banks in India. More...

Your Question - Our Expert Answers

How much loan amount which I can be borrowed?

Your Home Loan eligibility is based on your repayment capacity (which takes into account your age, qualifications, assets, liabilities, ability of occupation, savings history) and according to your income. The maximum loan that can be sanctioned varies banks and housing finance companies, the maximum loan amount is 80 to 85% of the cost of your home.

What is the time duration does it take to get an application processed and the loan getting sanctioned?

It takes around 10 to 15 working days for processing of one's application if the documented are in order

What is the range of interest rates offered?

The interest rate varies from banks to banks and normally ranges from 10% to 12.5%.

Can one take a home loan for construction in a city while working in another city?

Yes, you can take loan for construction in one city while working in another city. The HFC's generally service this loan after getting details of the plot legally verified.

What is the EMI?

EMI or Equated Monthly Installments refers to the fixed sum of money that you will be paying to the housing finance company every month. The EMI comprises both interest and principal repayment. The size of the EMI depends on the quantum of loan, interest rate applicable and the term of the loan.

What is the fixed rate of interest?

Some HFC's have fixed rate of interest which means that the interest rates remain unchanged for the entire duration the loan. This basically means that you do not benefit, even if the rates of interest drop in the market.

What is a floating rate of interest?

This is the rate of interest that fluctuates according to the market lending rate.

Can Indian companies grant loans to their NRI staff?

Reserve Bank permits Indian firms/companies to grant housing loans to their employees deputed abroad and holding Indian passports subject to certain conditions.

What is the range of interest rates offered?

The interest rates may vary from institutions to institutions and generally range from about 10.25% to around 16%. You can view our section of "Interest Rates at a glance" at our Loans home page.

What are the repayment period options?

Repayment period options range generally from 5 to 15 years.

Can I make joint applications for home loans?

Most institutions are willing to consider the joint incomes of the applicants for deciding the loan amount. Some institutions do not require the co-applicants to be co-owners of the property to be purchased.

What are the tax benefits of home loans?

Both principal as well as interest of home loans attract tax benefits. With effect from 1st April 2005 (i.e. assessment year 2005-07) under section 80C of the Income Tax Act 1965:
Principal amount of repayment of loan along with other savings such as PF, PPF, Life Insurance premium etc up to a maximum of Rs 1,00,000/- will be eligible for deduction from gross income.
Interest paid on loan after completion of construction will be deductible from income from property
For self occupied - Income will be treated as nil and interest payment will be treated as minus income which will be adjusted against other income.
For rental property - It will be adjusted against rental income

What is the best way to select the cheapest home loan?

Keep the loan period constant and calculate the total amount paid for the home through the different loan options available.

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