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Theo

● Home Loan Expert

👋 Hi! I'm Theo, your home loan expert.

Ask me anything — rates, eligibility, EMI, documents, or which bank is best for your profile.

🏡 Get Expert Guidance on Your Home Loan

Access home loan offers from 25+ top banks and HFCs, including SBI, HDFC, and ICICI Bank. Our smart matchmaking engine helps you get the lowest rates with zero hidden charges.

7.20%Starting Rate
₹10 Cr+Max Loan
30 yrsMax Tenure
No Harassment — We call only if you enquire
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AI-Powered Intelligence

Compare Home Loan Rates — 2026

Live rates from top banks and HFCs. Updated regularly.

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12%

Home Loan Comparison

Sort by:
LenderInterest RateMax LoanMax TenureProcessing Fee
HDFC Bank
Fast Approval		 7.20% p.a. Lowest ₹10 Cr+30 YearsUp to 0.5%
PNB
Best for Salaried		 7.20% p.a. ₹1 Cr30 Years0.35%
Canara Bank
 7.20% p.a. No Limit30 Years0.50%
SBI
Women Discount		 7.25% p.a. ₹10 Cr+30 Years0.35%
IDFC First Bank
Digital First		 7.50% p.a. ₹10 Cr30 YearsVaries
Bajaj Finance
HFC		 8.00% p.a. ₹3.5 Cr32 Years2–3%
Piramal Finance
HFC		 8.50% p.a. ₹5 Cr20 YearsVaries
* Rates are indicative and subject to change based on your credit profile. Final rates communicated by lender.

Home Loan EMI Calculator

Estimate your monthly EMI instantly

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💡 Tax deduction up to ₹3.5L/year — ₹1.5L on principal (80C) + ₹2L on interest (24b)

About Home Loans

What is a Home Loan?

A home loan (also called a housing loan or mortgage) is a secured loan taken to purchase, construct, or renovate a residential property. The property itself acts as collateral, which is why home loans typically have the lowest interest rates among all loan types.

Eligibility Criteria

Age18 – 75 years
Salaried IncomeMinimum ₹25,000/month
Self-employed IncomeMinimum ₹30,000/month
Credit Score650+ acceptable, 750+ for best rates
Loan-to-ValueUp to 90% of property value
Down PaymentMinimum 10% of property value

Tax Benefits

Home loans offer the most generous tax benefits of any loan type:

  • Section 80C: Up to ₹1.5 lakh deduction on principal repayment
  • Section 24(b): Up to ₹2 lakh deduction on interest paid
  • Total annual deduction: Up to ₹3.5 lakh

Types of Home Loans

  • Home Purchase Loan — Most common, to buy a ready or under-construction property
  • Home Construction Loan — To construct a house on owned land
  • Home Improvement Loan — For renovation or repairs
  • Plot Purchase Loan — To buy residential land
  • Home Extension Loan — To add a floor or room
  • Balance Transfer — Move existing loan to a lender with lower rates

Documents Required

  • PAN Card & Aadhaar Card
  • Last 3 months salary slips (salaried) / ITR 2 years (self-employed)
  • 6 months bank statements
  • Property documents (agreement, title deed)
  • Form 16 / IT returns

Best For

  • First-time homebuyers: SBI, HDFC, PNB (lowest rates)
  • High-value properties (₹1Cr+): HDFC, IDFC First
  • Self-employed / Lower credit: Piramal, Bajaj Finance
  • Longest tenure: Bajaj Finance (32 years)

Frequently Asked Questions

Generally, banks allow 40–50% of your net monthly income as EMI. So on a ₹50,000/month salary, you can typically get an EMI of ₹20,000–25,000, which translates to approximately ₹25–30 lakhs over 20 years at 7.5% p.a. Our experts can calculate the exact amount based on your profile and existing EMIs.
A credit score of 650+ is generally acceptable, though you may get slightly higher rates. For the best rates (like 7.2% from HDFC/SBI), you typically need 750+. If your score is below 650, you can still get a loan through NBFCs like Bajaj or Piramal, but at higher rates.
Yes, most banks offer home loans for under-construction properties. The loan is disbursed in stages as construction progresses. You typically pay only interest (pre-EMI) until possession, after which full EMI begins. Ensure the project is RERA-approved before applying.
Fixed rates don't change during the loan tenure — predictable EMIs. Floating rates change with RBI repo rate movements — can go up or down. Currently, most banks offer floating rates linked to RLLR/MCLR. Fixed rates are typically 1–2% higher than floating. We recommend floating for most borrowers right now.
HDFC Bank offers 10-second approval for pre-qualified customers. Generally, in-principle approval takes 2–3 days, and full disbursal takes 7–15 days depending on property verification. PSU banks like SBI may take 2–4 weeks.
Yes! Adding a co-applicant (typically spouse or parent) combines both incomes, significantly increasing your loan eligibility. Co-applicants can also claim their own tax benefits. SBI and PNB also offer 0.05% rate discount when a woman is the primary applicant.

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T

Theo

Your AI Financial Expert

👋 Hi! I'm Theo, your AI financial expert. What are you looking for today?