Lowest Interest
Home Loans from 8.35%
Own your dream home with curated housing finance solutions from SBI, HDFC, ICICI, and 30+ lenders. Enjoy low EMIs and lucrative tax savings under Section 80C & 24(b).
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Home Loan EMI Calculator
Plan your long-term housing investment with accurate monthly EMI breakdowns and tax estimates.
Why Choose JustPaisa for Home Loans
Save lakhs over your tenure with the sharpest interest rates and streamlined property verification.
Dual Tax Deductions
Save up to ₹2,00,000 under Section 24(b) on interest and up to ₹1,50,000 under Section 80C on principal repayment annually.
Zero Prepayment Penalties
Pay off your floating-rate home loan ahead of schedule or make part-prepayments anytime with zero penalty charges under RBI mandate.
High LTV (Up to 90%)
Get financed for up to 90% of the total property valuation for loans up to ₹30 Lakhs, and up to 80% for larger ticket properties.
Seamless Balance Transfer
Switch your existing high-cost home loan to our partner banks with rates as low as 8.35% plus attractive top-up loan facilities.
Extended 30-Year Tenures
Keep monthly instalments affordable by spreading repayments across 360 months with step-down EMI alternatives.
Fast Legal & Technical Checks
Our panel of certified legal advocates and engineers expedite title verification and valuation within 48 to 72 hours.
Compare Top Home Loan Rates in India
Benchmark rates from RBI registered banks and housing finance corporations
| Bank / HFC | Interest Rate (p.a.) | Max Tenure | Processing Fee | Sanction Quote |
|---|---|---|---|---|
| State Bank of India (SBI) | 8.40% - 9.75% | 30 Years | 0.35% (Max ₹10,000) | Apply |
| HDFC Bank | 8.50% - 9.60% | 30 Years | Up to 0.50% | Apply |
| ICICI Bank | 8.60% - 9.80% | 30 Years | 0.50% + GST | Apply |
| Bank of Baroda | 8.35% - 9.50% | 30 Years | Zero in festival offers | Apply |
Eligibility & Documentation Checklist
Check required prerequisites before initiating your home loan approval.
✓ Borrower Eligibility
- Age: 21 to 65 years (70 for self-employed).
- Income: Minimum net monthly household income of ₹30,000.
- Credit Score: 720+ recommended for best rates.
- Co-Applicant: Adding working spouse or parents boosts maximum eligibility.
📋 Property & Financial Papers
- Property: Registered Sale Deed, Agreement for Sale, Approved Municipal Map.
- Income Proof: 3 months pay slips, 2-year Form 16 / ITR with Computation.
- Banking: 6 months bank statement showing salary or business credits.
- KYC: PAN Card, Aadhaar Card, and current address proof.
Frequently Asked Questions
Common questions about home loan sanctions and government schemes.
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