आज देश के 80% से अधिक नए मकान होम लोन की सहायता से खरीदे जाते हैं। ऐसा भी कह सकते हैं कि होम लोन (Cheapest home loan) हर साल लाखों लोगों के घर के सपने को पूरा करने में मदद करता है। देश में होम लोन मुख्यत: बैंक, एनबीएफसी और एचएफसी यानी हाउसिंग फाइनेंस कंपनियां प्रदान करती हैं। हम आपके लिए बैंकबाजार डॉट कॉम के साथ मिलकर देश में मौजूद सभी प्रमुख बैंकों के हाेेम लोन पर लेटेस्ट ब्याज दर और प्रोसेसिंग फीस की जानकारी लेकर आए हैं।
| Bank Name | Starting Rate | Processing Fees |
| Kotak Mahindra Bank | 8.70% p.a. onwards | Salaried: 0.5% Plus taxes; Self-Employed/Commercial: 1.0% Plus taxes. |
| Union Bank of India | 8.35% p.a. onwards | 0.50% of the loan amount. |
| Bank of Baroda | 10.15% p.a. onwards | No processing fee; discounted upfront fee. |
| Central Bank of India | 8.50% p.a. onwards | 0.50% up to Rs.20,000 Plus GST (waived till 31 March 2024) |
| Bank of India | 8.30% p.a. onwards | Nil |
| State Bank of India | 8.50% p.a. onwards | 0.35% of the loan amount plus GST. |
| HDFC Home Loans | 8.70% p.a. onwards | Up to 0.50% or Rs.3000 Plus taxes, whichever is higher. Minimum retention: 50% or Rs.3000 Plus taxes, whichever is higher. |
| LIC Housing Finance | 8.35% p.a. onwards | For amounts up to Rs.1 crore, it is 0.25% of the loan amount, with a maximum of Rs.15,000 plus GST. For amounts above Rs.1 crore and up to Rs.2 crore, the fee is Rs.20,000 plus GST. For amounts above Rs.2 crore and up to Rs.5 crore, the fee is Rs.25,000 plus GST. For amounts above Rs.5 crore and up to Rs.15 crore, the fee is Rs.50,000 plus GST. |
| Axis Bank | 8.75% p.a. onwards | Up to 1% or min. Rs.10,000 Plus GST |
| Canara Bank | 8.40% p.a. onwards | 0.50% of the loan amount. |
| Punjab and Sind Bank | 8.50% p.a. onwards | 0.15% of the loan amount will be charged, with a minimum of Rs.1,000 and a maximum of Rs.3,750. For loans above Rs.25 lakh and up to Rs.50 lakh, the fee is 0.25% of the loan amount, capped at a maximum of Rs.12,500. Similarly, loans above Rs.50 lakh but less than Rs.75 lakh incur a fee of 0.25% of the loan amount, with a maximum limit of Rs.15,000. Loans of Rs.75 lakh and above carry a charge of 0.25% of the loan amount. |
| IDFC First Bank | 8.75% p.a. onwards | Up to 3% of the overall loan amount. |
| Bank of Maharashtra | 8.35% p.a. onwards | No processing fees. |
| Punjab National Bank | 9.40% p.a. onwards | Nill |
| IDBI Bank | 8.40% p.a. onwards | 0.50% (Rs. 2,500 – Rs.5,000) |
| HSBC Bank | 8.45% p.a. onwards | 1% of loan amount or Rs.10,000, whichever is higher. |
| Karur Vysya Bank | 9.00% p.a. onwards | Loans up to Rs.25 Lakh incur a charge of Rs.2,500 Plus GST.Loans ranging from Rs.25 Lakhs to Rs.50 Lakh carry a processing fee of Rs.5,000 Plus GST.For loans exceeding Rs.50 Lakh, the processing fee is Rs.7,500 plus GST. |
| Saraswat Bank Home Loan | 8.60% p.a. onwards | Up to Rs.35 lakh: NIL NlRs.35 lakh – Rs.50 lakh: 0.30% of loan amountRs.50 lakh – Rs.70 lakh: 0.40% of loan amountRs.70 lakh – Rs.1.40 lakh: 0.50% of loan amount |
| Jammu and Kashmir Bank | 8.85% p.a. onwards | 0.50% Plus GST (min. Rs.2,000 and max. Rs.50,000) |
| South Indian Bank | 8.35% p.a. onwards | 0.50% of the loan amount plus GST |
| Federal Bank | 8.80% p.a. onwards | 0.50% of the loan amount with a minimum of Rs. 10,000 and a maximum of Rs. 20,000. |
| Standard Chartered Bank | 8.60% p.a. onwards | Contact the bank |
| Karnataka Bank | 8.75% p.a. onwards | Contact the bank |
| Sundaram Home Finance | Contact the bank for information on the floating/variable interest rate linked to market lending rates. | Up to 0.75% of the loan amount plus applicable GST. |
| Dhanlaxmi Bank | 9.35% p.a. onwards | 1.00% of the loan amount, plus service tax (with a minimum of Rs.10,000 Plus service tax). |
| Tata Capital | 8.70% p.a. onwards | 2.00% p.a. plus GST. |
| Tamilnad Mercantile Bank | 8.60% p.a. onwards | 0.50% of loan amount Plus GST |
| Bandhan Bank | 8.65% p.a. onwards | Contact the bank |
| Yes Bank | 9.40% p.a. onwards | 1.5% of the loan amount plus GST or Rs.10,000, whichever is higher |
| Hudco Home Loan | 9.25% p.a. onwards | Nil |
| Indiabulls | 9.30% p.a. onwards | 0.50% onwards |
| Aditya Birla | Contact the bank | Up to 1% |
| GIC Housing Finance | 8.80% p.a. onwards | Rs.2,500 Plus Applicable GST |
| Shriram Housing | 9.50% p.a. onwards | Up to 2.5% of the loan amount Plus applicable taxes. |
नोट: आखिरी अपडेट 25 अगस्त 2024 को। प्रकाशित ब्याज दरें बैंक के विवेक के अनुसार बदल सकती हैं।
ये भी पढ़ें: Cheapest car loan: किस बैंक में मिल रहा सबसे सस्ता कार लोन
अनुभवी पत्रकारों की टीम जो पर्दे के पीछे रहते हुए बेहतरीन कंटेट तैयार करने में अपना योगदान देती है। खबरों को संपादित करने के अलावा यह टीम रिसर्च करती है और खुद भी खबरें लिखती है।
