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 Interest Rates

BankRate of Interest
Allahabad Bank Base Rate 10.25%
Upto 30 lacs 10.25% - EMI @ - 982.00
Above 30 lacs - 75 lacs 10.50% - EMI @ 998.00
Above 75 lacs - 3 Cr 10.75% - EMI @ 1015.00
Above 3 Cr - 5 Cr 11.00% - EMI @ 1032.00.
Andhra Bank Base Rate 10.75%
Upto 20 Lacs 11.75% - EMI @ 1083.71
Above 20 lacs 12.50% - EMI @ 1136.14
Axis Bank Base Rate 10.25%
Upto 75 Lacs 10.25% - EMI @ 982 / Lac
Above 75 lacs 10.75% - EMI @ 1015
Top Up 12.25% - EMI @ 1119
Fixed 11.75% - EMI @ 1084
Bank of Baroda Base Rate 10.25%
All Home Loans @ 10.25% - EMI @ 981.64
Bank of India Base Rate 10.20%
Upto 75 lacs 10.20% - EMI @ 978.00
Above 75 lacs 10.25% -EMI @ 982.00
News                                                                                                       More...
       Get the latest updates on all news related to home loans here.
Indian Bank, IOB launch special drive for home loans

Kotak Bank slashes home loan rates by 0.25%

ICICI Bank cuts home loan rates

Banks look at women to check home loan NPA

State Bank of India may cut new home loan rates by 15-25 bps

ICICI Bank’s special festive offers for NRIs

Syndicate Bank cuts interest rate on vehicle, consumer durable loans

NHB caps home loan rates at 10.75% for weaker sections

LIC Housing Finance raises interest rates on home loans by 35 basis points

EMIs set to rise as ICICI Bank, HDFC hike rates

Home, auto and personal loans to cost more

ICICI Bank to offer Money2India app for NRIs

Bank loans may not get cheaper soon

No loan against gold coins weighing above 50 grams, proposes RBI

Credit information bureaus want access to mobile bill payment records

State Bank chief wants 100 bps cut in CRR

PNB Metlife launches product to protect borrowers

SBI to discontinue free accident cover for loan customers

Axis Bank rolls out launches new home loan scheme

HDFC Bank cuts base rate by 10 bps

Lending rates to remain high in near term: Bankers

EMI relief for home loan takers in the offing

SBI chief pitches for 50 bps cut in CRR, repo rate

Allahabad Bank lowers home loan rate by 5 bps to lure high-end customers

Budget 2013: Housing proposals may encourage lower, middle income groups

SBI raises fixed deposit rates by 0.25 per cent

HDFC Bank sees interest rates softening by 50-75 bps

Dishonouring cheque given as security cannot be held liable: Apex court

EPFO likely to raise interest rate on retirement savings to 8.50% for 2012-2013 - 16 Feb 2013, ET Bureau.

GE Capital exits mortgage business in India - 13 Feb 13, Business Line.

LIC Housing launches home loan scheme for self-employed - 29 Jan 2013, PTI.

RBI cuts repo rate, CRR by 25 basis points in its Q3 review of monetary policy - 29 Jan 2013, ET.

Charge prepayment penalty only on fixed rate loan dues: RBI - 23 Jan 2013, ET Bureau.

State Bank of Bikaner and Jaipur offers discount on online home, auto loans - 20 Dec 2012, ET Bureau.

Bank of Baroda stops home loans to flat owners in Greater Noida West - 29 Nov 2012, PTI.

Home Loan FAQ's                                                                                                      More...
       Have a doubt just post here and we will reply to your query with the appropriate answer and suggest the best way to solve all your home loan related issues. Also read what the other customers have posted about their home loan related queries.
Question :  Hello,i am applying for home loan to purchase a studio apartment im bhimtal with my mother as a coapplicant who is a retired person (69 yrs).I need to know the documents reuired by lichfl of both myself(salaried person) and my mother who is a pensioner.Is the bank statement of my mothe rnecessary for the purpose as loan is taken by me ,if yes then how many months satement(3 or 6 months),please clarify
- shalini
Question :  Sir, my home loan is running since last 7 yrs with hdfc ltd. now, i want to include my wife as coapplicant in the loan. she has started doing a job recently but doesn`t have any itr filed. reason i want to do is that my flat is on rent and it adds to my income. so, instead, i want that income to accrue in the name of my wife
- mudit kapur
Question :  If i avail housing loan in my name ,can I register the house on my wife s name
- jacob
Question :  I got housing loan before couple of year, now I want to reduce repayment year from 15 to 10. which was I paid last two years mostly calculated as interest. if I reduce the year, they will consider my last two year interest or they will calculate like new loan for my current principle amount. kindly explain clearly if can with exampl
- subha
Question :  Dear sir/madam I want to buy 2 cr worth house . I am govt institute employee having 95 k gross salary. And 50 to 60 k private practice per month. I hav 40 lk savings as white. I want to make max loan and buy 2cr worth house. How much max loan I can get frm bank and hw can I arrange money. Pls guide me. Thank u
- Dr raghav
Question :  Dear sir/madam, I am planning to take a home loan with me as the first applicant and my father as a co applicant who is a retired person. I will be paying all the EMIs from my income but the property is in my father`s name. In this case will i get income tax benefit? I am confused as my auditor is saying `no` but the bank manager is saying `yes`
Question :  Sir,i have taken a home loan in LIC with my father as co applicant and the land is in my fathers name. and My name is in primary Applicant. My query is Can I change my father name to primary Applicant? My father only paying the EMI
- Shan
Question :  Dear all i have purchase flat in bangalore where my mother is applicant and i am co applicant.but during registry of flat i will not be there .can registration be happen in presence of applicant only.please give me suggestion for any other option
- k k thakur
Question :  Hi, I am willing to buy a resale flat in Kalyan (Mumbai), which is costing me around 70 Lakh excluding stamp duty and registration. I am willing to take a loan with a co-applicant with my brother. I am working in Mumbai and my brother is working in Abroad in a reputed Automobile Company. I m earning 50 Thousand in hand and my brother is earning 90 Thousand in hand. So which bank can give us Maximum Home Loan, say entire 70 Lakh. Pls suggest
- Azaz Ahmed
Question :  Sir i have purchased a house in name of my wife. i took home loan from axis bank.. i am the main applicant and my wife as co applicant.. asi am paying whole emi, can i claim income tax rebate on interest or not? plz clarify. if not then plz tell the procedure to change the ownership or become partnerof home....
- rishi shukla
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        Have you selected a property and ready to apply for a Home loan, if so stop! Evaluate your property before going for a home loan and have a clear idea about the property value, horizontal and vertical deviations in the property. It is always suggested to have a general assessment of the property before submitting the documents in the bank so that we can save a very good amount by having the valuation done in advance at a very min cost.
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