Home Loan - All You Need to Know
Home loans in India are currently at their most affordable in December 2025, with interest rates starting as low as 7.10% p.a. from Bank of Maharashtra following the RBI's repo rate cut to 5.25%—a cumulative 125 basis points reduction this year.
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What is a Home Loan
Home loans in India are currently at their most affordable in December 2025, with interest rates starting as low as 7.10% p.a. from Bank of Maharashtra following the RBI's repo rate cut to 5.25%—a cumulative 125 basis points reduction this year. Leading public sector banks like Bank of India, Union Bank, and Central Bank offer rates from 7.35%, while SBI starts around 7.50% and private players like HDFC Bank from 7.90%.
About Home Loan
Home loan interest rates have dropped significantly in December 2025 following the RBI's 25 bps repo rate cut to 5.25% on December 5—the fourth cut in 2025, totaling 125 bps reduction.
Public sector banks lead with the lowest rates for borrowers with high credit scores (750+).
|
Bank/HFC |
Starting Interest Rate (p.a.) |
Processing Fee |
Key Notes |
|
Bank of Maharashtra |
7.10% |
Waived (limited period) |
Lowest after recent cut |
|
Bank of India |
7.35% |
Up to 0.50% |
Competitive for salaried |
|
Union Bank of India |
7.35% |
0.50% |
Women concession available |
|
Central Bank of India |
7.35% |
Up to 0.50% |
Up to 90% financing |
|
Indian Overseas Bank |
7.35% |
Minimal |
Full repo benefit passed |
|
State Bank of India (SBI) |
7.90% (EBLR) |
0.35% |
Concessions for women/govt employees |
|
Punjab National Bank (PNB) |
8.10% (RLLR) |
Up to 0.50% |
Quick digital approval |
|
Bank of Baroda |
7.90% |
0.25%-0.50% |
Top-up options |
|
HDFC Bank |
7.90%-8.50% |
Up to 0.50% |
Digital process, balance transfer |
|
ICICI Bank |
7.75%-8.50% |
Up to 0.50% |
Instant in-principle approval |
Home Loan Eligibility Criteria in India 2025: Salaried vs Self-Employed
Eligibility depends on age, income, credit score, and property.
|
Criteria |
Salaried Applicants |
Self-Employed Applicants |
General Requirements |
|
Age |
21-60/65 years |
21-70 years |
Up to 70 at maturity |
|
Minimum Income |
₹25,000-₹50,000 monthly |
₹5-10 lakh annual (ITR proof) |
Stable source |
|
Credit Score |
750+ for best rates |
750+ preferred |
Minimum 700 |
|
Work/Business Experience |
1-2 years stable employment |
3-5 years business vintage |
Co-applicant boosts eligibility |
|
Debt-to-Income Ratio |
Max 50-60% |
Max 60% |
Existing EMIs considered |
|
Property |
Clear title, approved |
Clear title |
LTV up to 90% for <₹30 lakh |
Women co-applicants often get 0.05% rate concession. NRIs eligible with repatriation options.
Latest Home Loan News & Key Updates 2036
Key updates post RBI's December 5 repo rate cut to 5.25%.
|
News/Update |
Details |
Impact on Borrowers |
|
RBI Repo Rate Cut |
25 bps to 5.25% (total 125 bps in 2025) |
Lower EMIs, rates down to 7.10% |
|
No Prepayment Charges from 2026 |
RBI mandate on floating loans |
More flexibility for early closure |
|
Bank Rate Reductions |
SBI, PNB, BoB, BoM passed full benefit |
EMI savings ₹3,000-4,000 on ₹50 lakh loan |
|
PMAY and Affordable Housing Push |
Continued subsidies, SWAMIH-2 fund |
Easier access for low-income groups |
|
Projected Disbursements |
₹150 lakh crore by 2035 |
Growing market, more options |
Banks like Bank of Maharashtra waived processing fees temporarily. Experts advise prepayment to maximize savings.
Home Loan Application Process in India 2025: Step-by-Step Guide
Home Loan Application Process in India 2025: Step-by-Step Guide
The home loan application process is now largely digital, with instant in-principle approvals available online from most banks.
|
Step |
Description |
Time Taken |
Tips |
|
Check Eligibility & Pre-Approval |
Use online calculators; submit basic details for in-principle sanction |
Minutes to hours |
High CIBIL (750+) improves chances |
|
Submit Formal Application |
Fill form online/offline with KYC |
1-2 days |
Apply to multiple banks |
|
Document Verification |
Upload/submit docs; credit & income check |
3-7 days |
Keep scanned copies ready |
|
Property Valuation & Legal Check |
Lender appoints valuer & lawyer |
7-15 days |
Ensure clear title |
|
Sanction Letter |
Final approval with terms |
After verification |
Negotiate rates/fees |
|
Loan Agreement & Disbursement |
Sign agreement; funds released |
2-5 days |
For under-construction: tranches |
Post RBI's December 2025 repo rate cut to 5.25%, processing is faster with festive/seasonal waivers on fees.
Documents Required for Home Loan in India 2025: Salaried vs Self-Employed
|
Category |
Salaried Applicants |
Self-Employed Applicants |
Common Documents |
|
Identity & Address Proof |
Aadhaar, PAN, Passport, Voter ID |
Aadhaar, PAN, Passport |
Passport-size photographs |
|
Income Proof |
Last 3 months salary slips, Form 16 |
Last 3 years ITRs, P&L, Balance Sheet |
Bank statements (6-12 months) |
|
Employment/Business Proof |
Appointment letter, 2 years stability |
Business registration, 3-5 years vintage |
|
|
Property Documents |
Sale agreement, title deed, NOC |
Same |
Approved plan, encumbrance certificate |
|
For Balance Transfer |
Existing loan statement, foreclosure letter |
Same |
|
Home Loan EMI - Calculate Monthly Payments
Rates post repo cut (starting 7.10%-7.90%); EMI reduces by ₹2,000-4,000 on ₹50 lakh loan vs pre-cut.
|
Loan Amount |
Interest Rate |
Tenure (Years) |
Monthly EMI |
Total Interest Payable |
Total Repayment |
|
₹50 Lakh |
7.10% |
20 |
₹38,900 |
₹43.36 Lakh |
₹93.36 Lakh |
|
₹50 Lakh |
7.50% |
20 |
₹40,300 |
₹46.72 Lakh |
₹96.72 Lakh |
|
₹50 Lakh |
7.90% |
20 |
₹41,700 |
₹50.08 Lakh |
₹1.00 Crore |
|
₹75 Lakh |
7.10% |
25 |
₹53,200 |
₹84.60 Lakh |
₹1.59 Crore |
|
₹1 Crore |
7.50% |
30 |
₹69,900 |
₹1.52 Crore |
₹2.52 Crore |
Use online EMI calculators for precise figures; longer tenure lowers EMI but increases interest.
Home Loan Tax Benefits in India FY 2025-26: Section 80C and 24(b)
Tax benefits available under old regime; new regime allows only Section 24(b) for let-out properties.
|
Section |
Deduction On |
Limit (per FY) |
Conditions |
|
Section 80C |
Principal repayment + stamp duty |
Up to ₹1.5 Lakh |
Property not sold within 5 years |
|
Section 24(b) |
Interest on self-occupied |
Up to ₹2 Lakh |
No limit for let-out property |
|
Joint Loan |
Both co-owners |
Double limits |
Must be co-owners |
|
PMAY Subsidy |
Additional interest subsidy |
Up to ₹2.67 Lakh (one-time) |
For first-time buyers |
No prepayment charges on floating loans from Jan 2026.
Home Loan Balance Transfer in India December 2025: Benefits and Savings
Balance transfer allows switching your existing home loan to a new lender for lower rates, often with top-up funds. Post RBI's December 5 repo rate cut to 5.25% (total 125 bps in 2025), transfers are surging for savings.
|
Benefit |
Details |
Potential Savings Example (₹50 Lakh outstanding, 15 years left) |
|
Lower Interest Rate |
Switch from 8.50%+ to 7.10%-7.50% |
₹4-6 Lakh total interest savings |
|
Reduced EMI or Shorter Tenure |
Keep EMI same for faster repayment |
EMI drop ₹2,000-4,000/month |
|
Top-Up Loan |
Additional funds at home loan rate |
Up to ₹50 Lakh extra, no restrictions |
|
No Prepayment Charges (from 2026) |
RBI mandate on floating loans |
Full flexibility for early closure |
|
Women Concession |
0.05%-0.10% lower rate |
Extra ₹50,000-1 Lakh savings |
Best for loans in early years (higher principal). Processing fees often waived in December offers.
Pradhan Mantri Awas Yojana (PMAY) Subsidy Details 2025: Eligibility and Benefits
PMAY extended to December 31, 2025 for completions. Offers interest subsidies via CLSS for first-time buyers.
|
Income Category |
Annual Income |
Subsidy Rate |
Max Subsidy Amount |
Max Loan for Subsidy |
|
EWS |
Up to ₹3 Lakh |
6.50% |
₹2.67 Lakh |
₹6 Lakh |
|
LIG |
₹3-6 Lakh |
6.50% |
₹2.67 Lakh |
₹6 Lakh |
|
MIG-I |
₹6-12 Lakh |
4.00% |
₹2.35 Lakh |
₹9 Lakh |
|
MIG-II |
₹12-18 Lakh |
3.00% |
₹2.30 Lakh |
₹12 Lakh |
Women co-ownership mandatory for subsidy. PMAY 2.0 proposals include broader relief.
Latest Home Loan News and Trends December 2025
RBI's fourth 2025 cut (December 5) to 5.25% drives lowest rates in years.
|
Update/News |
Date/Impact |
Borrower Benefit |
|
Repo Rate Cut to 5.25% |
Dec 5, 2025 |
Rates down to 7.10%; EMI relief ₹3,000+ on ₹50 Lakh |
|
Bank Rate Reductions |
SBI, PNB, BoB, BoM effective Dec 6-15 |
Full pass-through for repo-linked |
|
No Prepayment/Foreclosure Fees |
From Jan 1, 2026 on floating loans |
Easier prepayment/transfer |
|
Balance Transfer Surge |
Post-cut queries up |
Savings on existing loans |
|
PMAY Extension |
Completions till Dec 31, 2025 |
Continued subsidies for affordable |
Demand rising in affordable segment; experts predict stable/low rates into 2026.
Common Mistakes to Avoid When Applying for Home Loan in India 2025
Avoid these pitfalls to improve approval chances and secure better rates post RBI's December 2025 repo cut to 5.25%.
|
Mistake |
Why It's Costly |
How to Avoid |
|
Not Checking Credit Score |
Low score (below 750) leads to higher rates or rejection |
Monitor via CIBIL; pay bills on time |
|
Applying Without Pre-Approval |
Multiple inquiries hurt score |
Get in-principle approval first |
|
Ignoring Hidden Charges |
Processing fees, legal charges add up |
Compare total cost, not just rate |
|
Choosing Wrong Tenure |
Short: High EMI; Long: More interest |
Balance EMI affordability |
|
Not Comparing Lenders |
Miss lowest rates (7.10%-8.15%) |
Use aggregators like Paisabazaar |
|
Overborrowing |
High LTV increases rate/rejection risk |
Borrow only needed amount |
|
Fixed vs Floating Confusion |
Fixed higher; Floating benefits from cuts |
Opt floating for repo-linked |
|
Skipping Property Verification |
Title issues delay disbursement |
Check encumbrance certificate |
With no prepayment charges from Jan 2026, plan flexibly.
Tips to Get Lowest Home Loan Interest Rates December 2025
Secure rates as low as 7.10% (Bank of Maharashtra) with these strategies.
|
Tip |
Benefit |
Applicable For |
|
Maintain CIBIL 750+ |
Best rates (0.25-0.50% lower) |
All borrowers |
|
Add Women Co-Applicant |
0.05-0.10% concession |
Most banks |
|
Opt for Longer Tenure Initially |
Lower initial EMI, prepay later |
Salaried with growth potential |
|
Choose Repo-Linked Loan |
Automatic benefit from future cuts |
Floating rate seekers |
|
Strong Income Proof |
Higher eligibility, better negotiation |
Self-employed with ITRs |
|
Balance Transfer Existing Loan |
Switch to 7.10%-7.50% from higher |
Loans >1 year old |
|
Government Employee |
Special schemes, lower rates |
PSU employees |
|
Prepay Partially |
Reduce principal, save interest |
No charges on floating from 2026 |
Bank of Maharashtra offers 7.10% with waived fees temporarily.
NRI Home Loan Interest Rates and Eligibility December 2025
NRIs benefit from same low rates, with power of attorney for processing.
|
Lender |
Starting Rate (p.a.) |
Max Tenure |
Key Eligibility |
|
SBI |
7.50% |
30 years |
Income proof, POA |
|
HDFC Bank |
8.15% |
30 years |
Overseas employment proof |
|
ICICI Bank |
7.75% |
30 years |
Repatriation allowed |
|
Bank of India |
7.35% |
25 years |
Min age 21, stable income |
|
Axis Bank |
7.90% |
30 years |
Co-applicant in India preferred |
Rates slightly higher than residents; up to 80-85% financing.
Home Loan Comparison Tools and Calculators 2025
Use these for accurate planning post rate cuts.
|
Tool/Type |
Features |
Best For |
|
EMI Calculator |
Input amount, rate, tenure for EMI/total interest |
Budget planning |
|
Eligibility Calculator |
Income, age, score for approval amount |
Pre-application check |
|
Balance Transfer Savings |
Compare old vs new rate savings |
Existing borrowers |
|
Tax Benefit Calculator |
Section 80C & 24(b) deductions |
Annual savings estimate |
|
Aggregators (Paisabazaar/BankBazaar) |
Real-time rates from 50+ lenders |
Side-by-side comparison |
For ₹50 Lakh at 7.10% (20 years): EMI ~₹38,900; savings vs 8% ~₹6 Lakh total interest.
Eligibility -
Types of Home Loans Available in India 2025
Different home loan types cater to specific needs like purchase, construction, or renovation.
|
Type of Home Loan |
Purpose |
Key Features |
Typical Tenure |
Max Financing |
|
Home Purchase Loan |
Buy ready or under-construction property |
Up to 90% of property value |
Up to 30 years |
80-90% |
|
Home Construction Loan |
Build on owned plot |
Tranche disbursement |
Up to 30 years |
75-85% |
|
Plot/Land Purchase Loan |
Buy residential plot |
Construction required within 2-3 years |
Up to 20 years |
70-75% |
|
Home Improvement/Renovation |
Repairs, interiors, extensions |
Lower amounts, shorter tenure |
Up to 15 years |
Up to 100% of cost |
|
Home Extension Loan |
Add rooms/floors |
Requires approvals |
Up to 20 years |
75-85% |
|
Balance Transfer Loan |
Switch existing loan for lower rate |
Top-up option available |
Existing tenure |
Up to property value |
|
Top-Up Loan |
Additional funds on existing loan |
Same rate as original |
Up to 20 years |
Based on repayment |
|
NRI Home Loan |
For Non-Resident Indians |
Power of attorney allowed |
Up to 30 years |
80-85% |
|
PMAY Subsidy Loan |
Affordable housing for EWS/LIG/MIG |
Interest subsidy 3-6.5% |
Up to 20 years |
Up to 90% |
PMAY offers subsidies up to ₹2.67 lakh for eligible first-time buyers.
Home Loan Required Doc
Types of Home Loans Available in India 2025
Different home loan types cater to specific needs like purchase, construction, or renovation.
|
Type of Home Loan |
Purpose |
Key Features |
Typical Tenure |
Max Financing |
|
Home Purchase Loan |
Buy ready or under-construction property |
Up to 90% of property value |
Up to 30 years |
80-90% |
|
Home Construction Loan |
Build on owned plot |
Tranche disbursement |
Up to 30 years |
75-85% |
|
Plot/Land Purchase Loan |
Buy residential plot |
Construction required within 2-3 years |
Up to 20 years |
70-75% |
|
Home Improvement/Renovation |
Repairs, interiors, extensions |
Lower amounts, shorter tenure |
Up to 15 years |
Up to 100% of cost |
|
Home Extension Loan |
Add rooms/floors |
Requires approvals |
Up to 20 years |
75-85% |
|
Balance Transfer Loan |
Switch existing loan for lower rate |
Top-up option available |
Existing tenure |
Up to property value |
|
Top-Up Loan |
Additional funds on existing loan |
Same rate as original |
Up to 20 years |
Based on repayment |
|
NRI Home Loan |
For Non-Resident Indians |
Power of attorney allowed |
Up to 30 years |
80-85% |
|
PMAY Subsidy Loan |
Affordable housing for EWS/LIG/MIG |
Interest subsidy 3-6.5% |
Up to 20 years |
Up to 90% |
PMAY offers subsidies up to ₹2.67 lakh for eligible first-time buyers.
Top Up Home Loan
Top-Up Home Loan Features and Rates December 2025
Top-up loans provide extra funds on existing home loans at same/low rates, ideal for renovation or personal needs.
|
Lender |
Top-Up Rate (p.a.) |
Max Amount |
Key Features |
|
Bank of Maharashtra |
From 7.10% |
Based on property value |
Waived fees, quick disbursement |
|
Union Bank of India |
From 7.35% |
Up to 100% of original |
Overdraft facility available |
|
SBI |
From 7.50% |
Up to ₹1 Crore |
No extra docs for good track record |
|
HDFC Bank |
From 7.90% |
Up to ₹50 Lakh |
Digital approval |
|
Bajaj Housing Finance |
From 7.40% |
High LTV |
Flexible use, long tenure |
Rates repo-linked; top-up cheaper than personal loans (10%+).
FAQs
Home Loan FAQs India December 2025: Common Questions Answered
Frequently asked questions about home loans post RBI's December 5 repo rate cut to 5.25% (total 125 bps cut in 2025).
|
Question |
Answer |
|
What is the current repo rate? |
5.25% as of December 2025 |
|
What are the lowest home loan rates? |
Starting from 7.10% (Bank of Maharashtra) to 7.35% at several PSU banks like Bank of India, Union Bank, Central Bank, Indian Overseas Bank |
|
How much can EMI reduce after rate cuts? |
₹3,000-4,000 monthly on ₹50 lakh loan |
|
Are there prepayment charges? |
No charges on floating-rate loans from January 1, 2026 |
|
Who offers concessions for women? |
Most banks offer 0.05-0.10% lower rates |
|
Can existing borrowers benefit? |
Yes, via EMI reduction, tenure shortening, or balance transfer |
|
What is PMAY subsidy? |
Interest subsidy up to ₹2.67 lakh for EWS/LIG; scheme extended to Dec 31, 2025 for completions |
Rates depend on CIBIL score (750+ for best); check lender sites for personalised quotes.
Best Home Loan Tips December 2025: Maximize Savings
Key strategies to secure lowest rates (down to 7.10%) after repo cuts.
|
Tip |
Expected Benefit |
Best For |
|
Improve CIBIL to 750+ |
0.25-0.50% lower rate |
All applicants |
|
Add women as co-applicant |
0.05-0.10% concession |
Families with women members |
|
Partial prepayment |
Reduce principal, save lakhs in interest |
Existing borrowers (no charges soon) |
|
Balance transfer |
Switch to 7.10-7.35% from higher |
Loans with 8%+ rates |
|
Choose repo-linked floating |
Auto benefit from future cuts |
Long-term borrowers |
|
Apply during offers |
Waived processing fees (e.g., Bank of Maharashtra) |
New applicants |
For ₹50 lakh loan at 7.10% (20 years): EMI ≈ ₹38,900; total interest savings vs 8% ≈ ₹6-8 lakh.
Home Loan Trends and Final Advice December 2025
2025 ends with borrower relief: 125 bps repo cuts, rates at multi-year lows.
|
Trend/Update |
Details |
Advice |
|
Rate Cuts Passed On |
Banks like SBI, PNB, BoM, HDFC reduced rates |
Existing: Request EMI/tenure adjust |
|
No Prepayment Penalty |
From Jan 2026 on floating loans |
Prepay freely to save interest |
|
Surge in Applications |
Affordable housing demand up |
Act now for low rates |
|
PMAY Extension |
Completions till Dec 31, 2025 |
First-timers: Check subsidy eligibility |
|
Outlook for 2026 |
Stable/low rates if inflation controlled |
Lock floating for flexibility |
PMAY offers subsidies up to ₹2.67 lakh for eligible first-time buyers.
Home Loan Comparison Tools and Calculators 2026
Use these for accurate planning post rate cuts.
|
Tool/Type |
Features |
Best For |
|
EMI Calculator |
Input amount, rate, tenure for EMI/total interest |
Budget planning |
|
Eligibility Calculator |
Income, age, score for approval amount |
Pre-application check |
|
Balance Transfer Savings |
Compare old vs new rate savings |
Existing borrowers |
|
Tax Benefit Calculator |
Section 80C & 24(b) deductions |
Annual savings estimate |
|
Aggregators (Paisabazaar/BankBazaar) |
Real-time rates from 50+ lenders |
Side-by-side comparison |
For ₹50 Lakh at 7.10% (20 years): EMI ~₹38,900; savings vs 8% ~₹6 Lakh total interest.
Eligibility -
Types of Home Loans Available in India 2025
Different home loan types cater to specific needs like purchase, construction, or renovation.
|
Type of Home Loan |
Purpose |
Key Features |
Typical Tenure |
Max Financing |
|
Home Purchase Loan |
Buy ready or under-construction property |
Up to 90% of property value |
Up to 30 years |
80-90% |
|
Home Construction Loan |
Build on owned plot |
Tranche disbursement |
Up to 30 years |
75-85% |
|
Plot/Land Purchase Loan |
Buy residential plot |
Construction required within 2-3 years |
Up to 20 years |
70-75% |
|
Home Improvement/Renovation |
Repairs, interiors, extensions |
Lower amounts, shorter tenure |
Up to 15 years |
Up to 100% of cost |
|
Home Extension Loan |
Add rooms/floors |
Requires approvals |
Up to 20 years |
75-85% |
|
Balance Transfer Loan |
Switch existing loan for lower rate |
Top-up option available |
Existing tenure |
Up to property value |
|
Top-Up Loan |
Additional funds on existing loan |
Same rate as original |
Up to 20 years |
Based on repayment |
|
NRI Home Loan |
For Non-Resident Indians |
Power of attorney allowed |
Up to 30 years |
80-85% |
|
PMAY Subsidy Loan |
Affordable housing for EWS/LIG/MIG |
Interest subsidy 3-6.5% |
Up to 20 years |
Up to 90% |
Tools to Plan
Your Home Loan
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