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Home Loan Complete Guide India 2026: Interest Rates, EMI Calculator & Apply Online
Home loan kaise lein 2026 mein - best interest rates, eligibility criteria, documents required, EMI calculator, aur top banks comparison.
25 March 202612 min read
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Home Loan Complete Guide India 2026
Ghar khareedna India mein sabse bada financial decision hota hai. Sahi home loan choose karna lakhon rupees bachaa sakta hai.
| Bank | Interest Rate | Max Tenure |
|---|---|---|
| SBI | 8.5% - 9.85% | 30 years |
| HDFC Bank | 8.7% - 9.95% | 30 years |
| ICICI Bank | 8.75% - 9.8% | 30 years |
| LIC Housing Finance | 8.5% - 10.35% | 30 years |
Tax Benefits
- Section 80C: Principal repayment - ₹1.5 lakh/year
- Section 24(b): Interest payment - ₹2 lakh/year
- Section 80EEA: Additional ₹1.5 lakh (first-time buyers)
Eligibility
- Age: 21-70 years
- Minimum Income: ₹25,000/month
- CIBIL Score: 700+
- LTV: Up to 90% of property value
Conclusion
Home loan lene se pehle multiple banks compare karein. PMAY subsidy ke liye eligible hain toh zaroor apply karein.
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