NRI rates are typically 0.25-0.50% higher than resident rates, floating and repo-linked, depending on CIBIL score (750+ for best rates), income stability, and country of residence.
|
Bank/HFC |
Starting Interest Rate (p.a.) |
Max Tenure |
Max Financing (LTV) |
Processing Fee |
Key Notes |
|
Bajaj Housing Finance |
7.40% onwards |
Up to 20 years |
Up to 80-90% |
Nominal |
Salaried NRIs, PIOs, OCIs eligible |
|
ICICI Bank |
7.70% onwards |
Up to 30 years |
Up to 80-90% |
Up to 0.50% |
Express online sanction, no prepayment charges on floating |
|
HDFC Bank |
7.90% onwards |
Up to 30 years |
Up to 80% |
Up to 0.50% |
Wide reach, property advisory |
|
Axis Bank |
8.75% onwards |
Up to 20 years |
Up to 75-80% |
Up to 1% |
Quick digital process |
|
SBI |
7.90%-8.50% |
Up to 30 years |
Up to 80% |
0.35% + GST |
Vast network, women concessions |
|
LIC Housing Finance |
7.50%-10.00% |
Up to 20 years |
Up to 75-80% |
Up to 0.50% |
Trusted for long-term |
|
PNB Housing Finance |
8.50% onwards |
Up to 20 years |
Up to 80% |
Up to 0.50% |
Flexible for renovation |