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Home Loan Interest Rates

Home Loan Interest Rates

Are you looking forward to purchase your first house? Searching for a home is exciting, exhausting and a little terrifying, especially in this market. In the end, your plan is to end up with a home you adore at a price you can manage to pay for. Arm yourself with the list mentioned below to compare and narrow down the choices to get the best for you.

To lend a helping hand to our customers, LoanUncle.org has consolidated all the necessary information regarding current rate of interest on home loans provided by all the major banks at one place. Please keep visiting this section to check latest rate of interest for home loans.

 Bank Name  Interest Rate  Processing Fee  Pre-Payment Charges
 SBI – State Bank of India 9.50% (For Women)
9.55% (For Others)

Below 25 lacs: 0.25% of loan amt. minimum Rs.1000/-
25-75 lacs : Rs.3,250/-
75 & above : 5,000/-
 Nil
ICICI Bank 9.60% (For Women)
9.65% (For Others)
 0.50% of loan amount upto 1 crore  N.A
HDFC Ltd. 9.60% – 10.15% (Tru fixed plus -2 & 3 Year)
Or
9.60% (Women)
9.65% (For others)
 0.5% or maximum 10,000+service tax (12.36%)  No pre-payment charges
LIC Housing Finance 9.60%  Up to 50 lacs : 10,000 +(Service tax)
50 lacs & above : 15,000 +(service tax)
No Processing fees for Women (till 31 March 2014)
 Nil
Axis Bank 9.60% – 9.65% Upto 1% of the loan amount subject to minimum of Rs.10,000/-  NIL
 DHFL 9.55% (upto 25lacs)
9.65%
 (above 25 lacs)
 1% for Salaried & 1.5% for SENP  NIL
 IDBI Bank 10% – 10.15%  NIL  If Balance Transfer then 2% Otherwise Nil
Union Bank of India 9.65% – 10.40%  N.A  NIL
 Bank of India 9.95%  0.25% of loan amount Min.Rs.1,000 and Max. Rs.20,000/-  NIL
 India Bulls Housing Finance 9.60% to 11.75%  Below 28 lacs = Rs.7500 28 lacs- 50 lacs = 0.50% Above 50 lacs = 0.5% to 1.00% of the loan amount  NIL
 Bank of Maharashtra 10.20%  Up to 25 Lacs : NIL
Above 25 Lacs : 0.25% of the Loan Amount: Subject to a Maxium Rs. 25,000/-
 NIL
 Corporation Bank 9.90%  0.50% of Loan amount (Max.Rs.50,000/-)  NIL
 United Bank of India 10%  0.50% of the loan amount minimum. Minimum: Rs.1000/-
Maximum: Rs.10,000/-
 NIL
 Tata Capital Housing Finance Ltd. 9.70% (Salaried)
9.80% (SEP/SENP)
 0.20 (Minimum Rs. 5,000) to 0.25% off the loan amount + Service tax  NIL
HSBC Bank 9.85%-10.10% (for Salaried) 9.85%-10.20%( for Self Employed  1% of the loan amount applied for, subject to a minimum of Rs 10000 plus service tax. This fee is payable on application and is not refundable  NIL
 Indian Bank 9.95%  0.25% of loan amount with a maximum of Rs.20,000  Nil
Deutsche Bank 10.50%  12000 + Service Tax  Nil
Standard Chartered 10.10%  0.5 % – 1.50%  Nil
Federal Bank 9.95%-10.10%  0.50% of the limit sanctioned with a minimum of 3,000+ST, maximum of 7,500+ST  Nil
 Allahabad Bank 9.95% upto 30 lacs: 0.60% of the loan amount subject to max. Rs.12000
30 lacs – 75 lac: 0.45% of the loan amount subject to max. Rs.24000
above 75 lacs – 300 lacs: 0.35% of the loan amount subject to max. Rs.60000
above 300 lacs: 0.25% of the loan amount subject to max. Rs.70000
 Nil
 Central Bank 9.95%  Rs.20000/- or .50% of loan amount subject to maximum   Nil
 UCO Bank 9.95%  0.5% of the loan amount, minimum Rs.1500/- & maximum Rs. 15000/-   Nil
 Bank of Baroda 9.65%  0.25% of loan amount Min.Rs.1, 000 and Max. Rs.20,000/-   Nil
 Canara Bank 9.65%   
 Oriental Bank of Commerce 9.90% -10.40%  Nil   Nil
 Kotak Bank Upto 14.5%  upto 1.25%   2% on Balance transfer else NIL
 Dena Bank 9.70%  0.50% of sanctioned limit  Nil
 First Blue Home Finance 10.25% (for Salaried / SEP)
10.75% (For Self Employed) (Upto 25Lacs)
10.75% (for Salaried / SEP) (above 25Lacs)
11.25% (For Self Employed)
Salaried: Up to 30 lacs :7300
30 – 75 lacs : 11800
75 lacs & above : 15,000 + service tax(12.36%)
 Nil
 Vijaya Bank 9.65%  N.A  N.A
 Syndicate Bank 9.70  upto Rs.25 lacs – 0.0625% (Min Rs 250 – Max Rs 1250) 26 lacs to 75 lacs – 0.0625% (Max.Rs.1625/-) above Rs.75 lacs – Rs.2500/- Valid till 30.09.2015  Nil
 PNB Housing Finance 9.75% – 9.95% (Salaried / S.E Prof) 9.95% – 10.25% (S.Emp Non Prof)  0.5%  Nil
 Citibank 9.85% – 9.95%  Rs. 5000 (Application fee)  Nil
 Indian Overseas Bank 9.90%
A flat rate of 0.58% of the loan amount- maximum of Rs. 10,190/- There is no hidden charge. This is subject to change from time to time without prior intimation.
N.A
 Punjab National Bank 9.60%  NIL  NIL
 Development Credit Bank 11.50%  1%  NIL
 State Bank of Travancore 9.95%  upto Rs.25,000 – Nil
Rs.25,000 above to Rs.2 lacs – Rs.500/-
Rs.2 lacs above- 0.50% of the loan amount maximum Rs.10000/-
 NIL
 Bank of Maharashtra 10.20%  0.25% of the loan amount (subject to maximum of Rs.25000/-)  NIL
 Dhanalakshmi Bank 11.50%  1.00 % of loan amount + service tax (subject to minimum of Rs. 10,000 + service tax)  N.A

 

 

Disclaimer:

Please note that the interest rates given here are based on the market research. To enable the comparisons certain set of data has been reorganized / restructured / tabulated. Users are advised to recheck the same with the individual companies / organizations. This site does not take any responsibility for any sudden / uninformed changes in interest rates. Banks/ Financial Institutions can contact us at update@loanuncle.org for inclusions or updates.

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