Compare Home Loan Interest Rates of All Banks 2022
बहुत सारे बैंक उपलब्ध हैं। ब्याज दर वाले कुछ टॉप रेटेड बैंक हैं:
| Bank | Home Loan Rate | Benchmark Type | Processing Fee |
|---|---|---|---|
| SBI Home Loan Interest Rates | 8.40% | 0.50%, Min ₹ 1,000 | |
| HDFC Home Loan Interest Rates | 8.60% | PLR | 0.50%, Min ₹ 3,000, Max ₹ 10,000 |
| Citibank Home Loan Interest Rates | 7.40% | TBLR | NIL |
| Bank of Baroda Home Loan Interest Rates | 7.95% | Min ₹ 7,500 | |
| ICICI Bank Home Loan Interest Rates | 8.10% | RLLR | 0.25% |
| Axis Bank | 8.60% | RLLR | 0.20% , Min ₹ 2,021, Max ₹ 25,000 |
| PNB Housing Finance | 8.50% | PLR | 0.50%, Min ₹ 10,000 |
| LIC Housing Finance | 8.00% | PLR | 0.25%, Min ₹ 10,000, Max ₹ 11,800 |
| Bajaj Home Finance | 8.30% | PLR | 0.30% |
| Sundaram Home Finance | 8.65% | PLR | NIL |
| Kotak Bank | 7.99% | RLLR | 0.50% , Max ₹ 10,000 |
| Yes Bank | 8.95% | 1 Year MCLR | 1.00%, Max ₹ 10,000 |
| Syndicate Bank | 6.95% | RLLR | 0.13% , Min ₹ 500, Max ₹ 5,000 |
| IDFC First Bank | 7.50% | RLLR | Min ₹ 10,000 |
| Edelweiss | 10.50% | PLR | 0.25% |
| DBS Bank | 8.00% | RLLR | 0.25% , Max ₹ 10,000 |
| Canara Bank | 8.10% | RLLR | 0.50% , Min ₹ 1,500, Max ₹ 10,000 |
| Aavas Financiers | 11.60% | PLR | 1.00% |
| Indiabulls | 8.70% | PLR | 0.50% |
| Union Bank of India | 8.40% | RLLR | 0.50% , Max ₹ 15,000 |
| South Indian Bank | 8.75% | RLLR | 1.00% , Max ₹ 10,000 |
| Punjab and Sind Bank | 8.05% | RLLR | 0.25% , Min ₹ 1,000, Max ₹ 15,000 |
| Lakshmi Vilas Bank | 8.55% | RLLR | 0.40% , Min ₹ 10,000, Max ₹ 20,000 |
| Karnataka Bank | 8.55% | RLLR | 0.25% , Min ₹ 250 |
| Indian Bank | 7.90% | RLLR | 0.23% , Max ₹ 20,381 |
| GIC Housing Finance | 10.25% | PLR | Min ₹ 2,500 |
| Dhan Laxmi Bank | 8.00% | RLLR | 1.00% , Min ₹ 10,000 |
| India Shelters | 12.00% | PLR | 2.00% |
| Corporation Bank | 8.85% | RLLR | 0.50% , Max ₹ 50,000 |
| Bank of Maharashtra | 7.80% | RLLR | 0.25% |
| Piramal Housing Finance | 10.50% | PLR | 0.10% |
| Andhra Bank | 8.20% | RLLR | 0.50% , Max ₹ 10,000 |
| LT Housing Finance | 7.70% | PLR | 2.00%, Min ₹ 4,999 |
| Standard Chartered Bank | 7.49% | 3 Month MCLR | 1.00%, Min ₹ 5,000, Max ₹ 10,000 |
| UCO Bank | 7.90% | RLLR | 0.50% , Min ₹ 1,500, Max ₹ 15,000 |
| PNB | 7.75% | RLLR | 0.35% , Min ₹ 2,500, Max ₹ 15,000 |
| Reliance Capital | 9.75% | PLR | 0.50% |
| OBC | 8.25% | RLLR | 0.50% , Max ₹ 20,000 |
| Jammu And Kashmir Bank | 8.60% | RLLR | 0.25% , Min ₹ 5,000, Max ₹ 25,000 |
| IDBI Bank | 8.00% | RLLR | 0.50% , Min ₹ 2,500 |
| Federal Bank | 9.05% | RLLR | 0.50% , Min ₹ 3,000, Max ₹ 7,500 |
| DCB Bank | 8.25% | 1 Year MCLR | 2.00%, Min ₹ 5,000 |
| Tata Capital Home Finance | 8.65% | PLR | NIL |
| Central Bank of India | 8.35% | RLLR | 0.50% , Max ₹ 20,000 |
| Aadhar Housing Finance | 11.75% | PLR | Min ₹ 3,500 |
| Bank of India | 7.40% | RLLR | 0.25% , Min ₹ 1,500, Max ₹ 20,000 |
| Allahabad Bank | 8.25% | RLLR | 0.40% , Max ₹ 50,000 |
| United Bank of India | 7.40% | RLLR | 0.59% , Min ₹ 1,180, Max ₹ 11,800 |
| RBL Bank | 8.70% | 1 Year MCLR | 1.50% |
| Karur Vysya Bank | 8.05% | RLLR | Min ₹ 5,000 |
| Indian Overseas Bank | 7.05% | RLLR | 0.53% , Min ₹ 8,900, Max ₹ 13,350 |
| HSBC Bank | 7.70% | RLLR | 1.00% , Max ₹ 10,000 |
Documents Required for Home Loan Salaried and Self Employed Applicants
1. Completed and signed home loan application form
2. Proof of Identity: (Any one of the below)
- PAN Card
- Passport
- Aadhaar Card
- Voter’s ID Card
- Driving License
3. Proof of Age: (Any one of the below)
- Aadhaar Card
- PAN Card
- Passport
- Birth Certificate
- 10th Class Marksheet
- Bank Passbook
- Driving License
4. Proof of Residence: (Any one of the below)
- Bank Passbook
- Voter’s ID
- Ration Card
- Passport
- Utility bills (Telephone Bill, Electricity Bill, Water Bill, Gas Bill)
- LIC Policy Receipt
- Letter from a recognized public authority verifying the customer’s address
5. Proof of Income for Salaried:
- Form 16
- Certified letter from Employer
- Payslip of last 3 months
- Increment or Promotion letter
- IT returns of past 3 years
6. Proof of Income for Self Employed:
- Income Tax Returns (ITR) of last 3 years
- Balance Sheet and Profit & Loss Account Statement of the Company/Firm (duly attested by a C.A.)
- Business License Details (or any other equivalent document)
- The license of Professional Practice (For Doctors, Consultants, etc.)
- Registration Certificate of Establishment (For Shops, Factories & Other Establishments)
- Proof of Business Address
7. Property documents:
- Receipts of payments made to the developer (in case of a new house)
- Allotment Letter / Buyer Agreement
- Title Deeds including the chain of previous property documents (in case of house resale)
- A copy of the sale agreement (if already executed)
- Receipt of initial payment made to the house seller
- Title Deeds of the plot (in case of house construction)
- A detailed estimate of house construction by an Architect / Civil Engineer
- A copy of the plans, approved by the Local Authorities
- Proof of no encumbrances on the property
8. Other Documents:
- Passport size photographs of all the applicants / co-applicants (to be affixed on the application form and signed across)
- Proof of own contribution
- Last 6 months’ bank statements showing the repayment of ongoing loans (if any)
- The details of ongoing loans (such as the outstanding amount, monthly instalments, purpose, remaining loan tenure, etc.) in the name of an individual or business entity (if any)
- A cheque for processing fee favouring the home loan provider
For Salaried:
- Employment Contract / Appointment Letter if the current employment is less than a year old
For Self Employed:
- Business Profile
- Latest Form 26 AS
- A list of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company
- Partnership deed in case of the business entity being a partnership firm
- Memorandum and Articles of Association of the Company
बैंकों में होम लोन से जुड़ी कुछ महत्वपूर्ण शर्तों को संक्षेप में जानना चाहिए। नीचे बताई गई शर्तों को पढ़ें:
1. ब्याज दर
सबसे महत्वपूर्ण कारकों में से एक, बेस्ट बैंक फॉर होम लोन इन इंडिया 2020 का निर्णय करते समय, ब्याज है। 0.5% का थोड़ा सा भी अंतर आपके समग्र बजट को प्रभावित कर सकता है।
ब्याज दरें आम तौर पर दो प्रकार की होती हैं – फिक्स्ड और फ्लोटिंग।
2. प्रोसेसिंग शुल्क
प्रसंस्करण शुल्क बैंक के आधार पर निश्चित या ऋण राशि का प्रतिशत मूल्य हो सकता है।
3. प्री-क्लोजर शुल्क
यह शुल्क तब लिया जाता है जब कोई निर्धारित अवधि से पहले अपना होम लोन खाता बंद करने का प्रयास करता है।
4. कानूनी शुल्क
कुछ बैंक दस्तावेजों के सत्यापन के लिए कानूनी शुल्क लेते हैं।
5. आंशिक भुगतान नियम
पार्ट-पेमेंट का मतलब है कि जब आपके पास सरप्लस हो तो अतिरिक्त पैसे का भुगतान करना। यह पैसा आपके होम लोन खाते से समायोजित की तुलना में है।
6. गृह ऋण अवधि
होम लोन अवधि का तात्पर्य उस अवधि से है जिसके लिए आप ऋण लेना चाहते हैं। आम तौर पर यह 5 साल से 30 साल तक होता है।
7. समान मासिक किश्तें (EMI)
ईएमआई मासिक किस्त की राशि है जो आपको होम लोन के बदले में चुकानी होती है।
इसमें मूलधन और ब्याज दोनों शामिल हैं।
8. डाउन पेमेंट
डाउन पेमेंट एकमुश्त राशि है जिसे आप खरीदारी के दौरान अपनी जेब से भुगतान करते हैं। बैंक गृह मूल्य का अधिकतम 80% ऋण के रूप में देता है और शेष खरीदार द्वारा वहन किया जाता है। खरीदार द्वारा भुगतान की इस प्रारंभिक राशि को होम लोन कहा जाता है। मैंने यह जानकारी अपने अनुभव से साझा की है कि मुझे एक वित्तीय ब्लॉग लिखने का मौका मिला है। आशा है आपका संदेह दूर हो गया होगा।
