Compare the best home loan interest rates from top Banks and NBFCs, or transfer your existing loan to reduce your EMI. Fast processing and expert guidance with Nivasa Capital.
Get Free QuoteRates starting from 7.10% p.a.*
| Lender Name | Interest Rate (p.a.) | Processing Fee | Max Tenure |
|---|---|---|---|
| SBI Home Loans | 7.25% - 8.70% | 0.35% (Min ₹3,000) | Up to 30 Years |
| HDFC Bank | 7.20% onwards | Up to 0.50% | Up to 30 Years |
| ICICI Bank | 7.45% onwards | Up to 0.50% | Up to 30 Years |
| Axis Bank | 8.00% - 11.90% | Up to 1.00% | Up to 30 Years |
| PNB Housing Finance | 7.50% onwards | 0.50% of Loan Amount | Up to 30 Years |
If you are already paying an EMI at a high-interest rate, Nivasa Capital can help you seamlessly transfer your outstanding home loan to a new bank or NBFC offering a lower rate. This simple switch can save you lakhs of rupees in interest over your loan tenure and significantly reduce your monthly EMI burden.
Don't let high interest rates drain your hard-earned savings.
Your Monthly EMI
Make informed decisions with Nivasa Capital. Here is everything you need to know about how home loan interest rates work.
Home loan interest rates depend on numerous factors pertaining to external benchmarks, the borrower's profile, and specific lender policies.
A high credit score (750+) and a clean repayment record help applicants qualify for the lowest rates. Furthermore, stable employment, a low EMI/NMI ratio, and larger down payments play a crucial role in securing a better deal.
Applicants must be between 18 and 70 years of age at the time of loan maturity.
Available for both Salaried professionals and Self-employed individuals/business owners.
A net monthly income of at least ₹25,000 (or ₹3 Lakhs to ₹5 Lakhs per annum).
A healthy CIBIL score of 750 or above ensures faster approval and lower interest rates.
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