So, if you are planning to take a home loan, here are home loan interest rates, along with factors playing a role in interest rates. The lowest interest rate of home loan interest starts from 7.35% p.a., and it goes up to 19% p.a, but it differs from Bank to bank. Understanding Home Loan Interest Rates A home loan interest rate is the percentage charged by a lender on the amount borrowed to finance the purchase of a home. This rate determines the cost of borrowing and directly impacts on the monthly EMIs (Equated Monthly Installments) that a borrower has to pay. Home loan interest rates in India generally range from 7% to 9% annually, but they can vary depending on factors like the borrower’s credit score, loan amount, tenure, the type of interest ... Check the current home loan interest rates for 2025 starting at 8.15%. Choose HDFC Bank Ltd as best financing options and secure your dream home with affordable EMIs & nominal processing fee. Public sector banks’ home loan rates According to data provided by Paisabazaar.com (as of November 6), state-owned lenders like Union Bank of India, Bank of India, Indian Overseas Bank, Central Bank of India and Bank of Maharashtra provide the most affordable house loans, with rates starting at 7.35% per year. Meanwhile, the home loan interest rates of State Bank of India and Punjab National Bank currently start at 7.50%. Further, Canara Bank and UCO Bank offer home loan interest rates ...
