{"id":66,"date":"2026-03-22T10:54:40","date_gmt":"2026-03-22T10:54:40","guid":{"rendered":"https:\/\/famenest.com\/blog\/?p=66"},"modified":"2026-03-22T11:15:54","modified_gmt":"2026-03-22T11:15:54","slug":"best-home-loan-interest-rates-2026","status":"publish","type":"post","link":"https:\/\/famenest.com\/blog\/best-home-loan-interest-rates-2026\/","title":{"rendered":"Best Home Loan Interest Rates 2026 &#8211; \u0939\u094b\u092e \u0932\u094b\u0928 \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0930\u0947\u091f\u094d\u0938 \u0915\u0940 \u092a\u0942\u0930\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940"},"content":{"rendered":"\n<p>\u0905\u0917\u0930 \u0906\u092a \u0905\u092a\u0928\u093e \u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u0947 \u0915\u093e \u092a\u094d\u0932\u093e\u0928 \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902, \u0924\u094b \u0938\u092c\u0938\u0947 \u091c\u093c\u0930\u0942\u0930\u0940 \u092b\u0948\u0915\u094d\u091f\u0930 \u0939\u094b\u0924\u093e \u0939\u0948 <strong>Home Loan Interest Rate<\/strong>\u0964 \u092f\u0939\u0940 \u0924\u092f \u0915\u0930\u0924\u093e \u0939\u0948 \u0915\u093f \u0906\u092a\u0915\u0940 <strong>EMI \u0915\u093f\u0924\u0928\u0940 \u0939\u094b\u0917\u0940<\/strong> \u0914\u0930 \u0906\u092a\u0915\u094b \u0915\u0941\u0932 \u0915\u093f\u0924\u0928\u093e \u092a\u0948\u0938\u093e \u0935\u093e\u092a\u0938 \u0915\u0930\u0928\u093e \u092a\u0921\u093c\u0947\u0917\u093e\u0964<\/p>\n\n\n\n<p>\u0907\u0938 \u0906\u0930\u094d\u091f\u093f\u0915\u0932 \u092e\u0947\u0902 \u0939\u092e \u0906\u0938\u093e\u0928 \u092d\u093e\u0937\u093e \u092e\u0947\u0902 \u0938\u092e\u091d\u0947\u0902\u0917\u0947:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Home Loan Interest Rate \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u093e \u0939\u0948<\/li>\n\n\n\n<li>\u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u093e \u0939\u0948<\/li>\n\n\n\n<li>\u0915\u0948\u0938\u0947 \u0906\u092a lowest interest rate \u092a\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902<\/li>\n\n\n\n<li>\u0914\u0930 \u0915\u0948\u0938\u0947 \u0905\u092a\u0928\u0940 EMI \u0914\u0930 total cost \u0915\u092e \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/famenest.com\/blog\/best-home-loan-interest-rates-2026\/#%F0%9F%94%B9_Home_Loan_Interest_Rate_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%8B%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\" >\ud83d\udd39 Home Loan Interest Rate \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u093e \u0939\u0948?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/famenest.com\/blog\/best-home-loan-interest-rates-2026\/#%F0%9F%94%B9_Current_Home_Loan_Interest_Rates_2026\" >\ud83d\udd39 Current Home Loan Interest Rates (2026)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/famenest.com\/blog\/best-home-loan-interest-rates-2026\/#%F0%9F%93%9D_Note\" >\ud83d\udcdd Note:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/famenest.com\/blog\/best-home-loan-interest-rates-2026\/#%F0%9F%94%B9_Types_of_Home_Loan_Interest_Rates\" >\ud83d\udd39 Types of Home Loan Interest Rates<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/famenest.com\/blog\/best-home-loan-interest-rates-2026\/#1_Fixed_Rate_Home_Loan\" >1. Fixed Rate Home Loan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/famenest.com\/blog\/best-home-loan-interest-rates-2026\/#2_Floating_Rate_Home_Loan\" >2. Floating Rate Home Loan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/famenest.com\/blog\/best-home-loan-interest-rates-2026\/#3_Hybrid_Home_Loan\" >3. Hybrid Home Loan<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/famenest.com\/blog\/best-home-loan-interest-rates-2026\/#%F0%9F%94%B9_Home_Loan_Interest_Rate_%E0%A4%95%E0%A4%BF%E0%A4%A8_factors_%E0%A4%AA%E0%A4%B0_depend_%E0%A4%95%E0%A4%B0%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\" >\ud83d\udd39 Home Loan Interest Rate \u0915\u093f\u0928 factors \u092a\u0930 depend \u0915\u0930\u0924\u093e \u0939\u0948?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/famenest.com\/blog\/best-home-loan-interest-rates-2026\/#%F0%9F%94%B9_Interest_Rate_%E0%A4%95%E0%A4%BE_EMI_%E0%A4%AA%E0%A4%B0_%E0%A4%85%E0%A4%B8%E0%A4%B0\" >\ud83d\udd39 Interest Rate \u0915\u093e EMI \u092a\u0930 \u0905\u0938\u0930<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/famenest.com\/blog\/best-home-loan-interest-rates-2026\/#%F0%9F%94%B9_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A5%8B%E0%A4%82_%E0%A4%9C%E0%A4%B0%E0%A5%82%E0%A4%B0%E0%A5%80_%E0%A4%B9%E0%A5%88_Home_Loan_compare_%E0%A4%95%E0%A4%B0%E0%A4%A8%E0%A4%BE\" >\ud83d\udd39 \u0915\u094d\u092f\u094b\u0902 \u091c\u0930\u0942\u0930\u0940 \u0939\u0948 Home Loan compare \u0915\u0930\u0928\u093e?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/famenest.com\/blog\/best-home-loan-interest-rates-2026\/#%F0%9F%94%B9_Lowest_Home_Loan_Interest_Rate_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%AA%E0%A4%BE%E0%A4%8F%E0%A4%82\" >\ud83d\udd39 Lowest Home Loan Interest Rate \u0915\u0948\u0938\u0947 \u092a\u093e\u090f\u0902?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/famenest.com\/blog\/best-home-loan-interest-rates-2026\/#%F0%9F%94%B9_Balance_Transfer_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%8B%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\" >\ud83d\udd39 Balance Transfer \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u093e \u0939\u0948?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/famenest.com\/blog\/best-home-loan-interest-rates-2026\/#%F0%9F%94%B9_Government_Schemes_Bonus_Tip\" >\ud83d\udd39 Government Schemes (Bonus Tip)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/famenest.com\/blog\/best-home-loan-interest-rates-2026\/#%F0%9F%94%B9_Final_Conclusion_Famenest_Tip\" >\ud83d\udd39 Final Conclusion (Famenest Tip)<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Home_Loan_Interest_Rate_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%8B%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span>\ud83d\udd39 Home Loan Interest Rate \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u093e \u0939\u0948?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Home Loan Interest Rate<\/strong> \u0935\u0939 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0939\u094b\u0924\u093e \u0939\u0948 \u091c\u094b \u092c\u0948\u0902\u0915 \u092f\u093e lender \u0906\u092a\u0938\u0947 charge \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u092c \u0906\u092a \u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u0947, \u092c\u0928\u093e\u0928\u0947 \u092f\u093e renovate \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f loan \u0932\u0947\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p>\ud83d\udc49 \u0909\u0926\u093e\u0939\u0930\u0923:<br>\u0905\u0917\u0930 \u0906\u092a \u20b950 \u0932\u093e\u0916 \u0915\u093e loan \u0932\u0947\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b interest rate \u092f\u0939 \u0924\u092f \u0915\u0930\u0947\u0917\u093e \u0915\u093f \u0906\u092a\u0915\u094b \u0915\u0941\u0932 \u0915\u093f\u0924\u0928\u093e extra \u092a\u0948\u0938\u093e (interest) \u0926\u0947\u0928\u093e \u0939\u094b\u0917\u093e\u0964<\/p>\n\n\n\n<p>\ud83d\udccc \u092f\u0939 \u0906\u092a\u0915\u0940 <strong>EMI (Equated Monthly Installment)<\/strong> \u0915\u094b \u0938\u0940\u0927\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Current_Home_Loan_Interest_Rates_2026\"><\/span>\ud83d\udd39 Current Home Loan Interest Rates (2026)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u092e\u0947\u0902 market \u092e\u0947\u0902 interest rates \u0932\u0917\u092d\u0917 <strong>7.10% p.a. \u0938\u0947 \u0936\u0941\u0930\u0942<\/strong> \u0939\u094b \u0930\u0939\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Name of Lender<\/th><th>Interest Rates (p.a.)<\/th><\/tr><\/thead><tbody><tr><td>Axis Bank<\/td><td>8.00% \u2013 11.90%<\/td><\/tr><tr><td>Bajaj Housing Finance<\/td><td>7.15% onwards<\/td><\/tr><tr><td>Bank of India<\/td><td>7.10% \u2013 10.00%<\/td><\/tr><tr><td>Canara Bank<\/td><td>7.15% \u2013 10.00%<\/td><\/tr><tr><td>Easy Home Finance<\/td><td>8.99% onwards<\/td><\/tr><tr><td>Federal Bank<\/td><td>7.30% \u2013 9.75%<\/td><\/tr><tr><td>Godrej Housing Finance<\/td><td>7.60% onwards<\/td><\/tr><tr><td>HDFC Bank<\/td><td>7.20%* onwards<\/td><\/tr><tr><td>HDFC Sales Pvt. Ltd.<\/td><td>7.20%* onwards<\/td><\/tr><tr><td>Home First Finance<\/td><td>8.00% onwards<\/td><\/tr><tr><td>ICICI Bank<\/td><td>7.45% onwards<\/td><\/tr><tr><td>IDBI Bank<\/td><td>7.35% onwards<\/td><\/tr><tr><td>IDFC FIRST Bank<\/td><td>8.85% onwards<\/td><\/tr><tr><td>India Shelter Home Loan<\/td><td>14.00%<\/td><\/tr><tr><td>Jio Housing Finance<\/td><td>8.20% onwards<\/td><\/tr><tr><td>L&amp;T Finance Limited<\/td><td>7.65%* onwards<\/td><\/tr><tr><td>Piramal Capital Housing Finance<\/td><td>9.99% onwards<\/td><\/tr><tr><td>PNB Housing Finance<\/td><td>7.50% onwards<\/td><\/tr><tr><td>Punjab &amp; Sind Bank<\/td><td>7.30% \u2013 10.70%<\/td><\/tr><tr><td>Punjab National Bank<\/td><td>7.20% \u2013 9.10%<\/td><\/tr><tr><td>RBL Bank<\/td><td>8.20% onwards<\/td><\/tr><tr><td>Sammaan Capital (Indiabulls)<\/td><td>8.75% onwards<\/td><\/tr><tr><td>Shubham Housing Finance<\/td><td>10.45% onwards<\/td><\/tr><tr><td>State Bank of India (SBI)<\/td><td>7.25% \u2013 8.70%<\/td><\/tr><tr><td>Tata Capital Housing Finance<\/td><td>7.50% onwards<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%9D_Note\"><\/span>\ud83d\udcdd Note:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Interest rates borrower profile (credit score, income, etc.) \u092a\u0930 depend \u0915\u0930\u0924\u0947 \u0939\u0948\u0902<\/li>\n\n\n\n<li>*Marked rates special conditions \u092a\u0930 applicable \u0939\u094b \u0938\u0915\u0924\u0947 \u0939\u0948\u0902<\/li>\n\n\n\n<li>Final rate bank approval \u0915\u0947 \u092c\u093e\u0926 \u0939\u0940 confirm \u0939\u094b\u0924\u093e \u0939\u0948<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u0905\u0917\u0930 \u091a\u093e\u0939\u094b \u0924\u094b \u092e\u0948\u0902 \u0907\u0938\u0940 table \u0915\u094b <strong>HTML table (WordPress \/ Laravel blade ready)<\/strong> \u092e\u0947\u0902 \u092d\u0940 convert \u0915\u0930 \u0926\u0942\u0901 \u2014 direct paste \u0915\u0930\u0915\u0947 use \u0915\u0930 \u0938\u0915\u094b \ud83d\udc4d<\/p>\n\n\n\n<p>\ud83d\udc49 \u0927\u094d\u092f\u093e\u0928 \u0926\u0947\u0902: \u0939\u0930 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u0947 \u0932\u093f\u090f interest rate \u0905\u0932\u0917 \u0939\u094b\u0924\u093e \u0939\u0948, \u092f\u0939 \u0909\u0938\u0915\u0940 profile \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Types_of_Home_Loan_Interest_Rates\"><\/span>\ud83d\udd39 Types of Home Loan Interest Rates<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Fixed_Rate_Home_Loan\"><\/span>1. Fixed Rate Home Loan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0907\u0938\u092e\u0947\u0902 interest rate \u092a\u0942\u0930\u0940 tenure \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 same \u0930\u0939\u0924\u093e \u0939\u0948\u0964<br>\u2714 EMI fix \u0930\u0939\u0924\u0940 \u0939\u0948<br>\u2714 Budget planning \u0906\u0938\u093e\u0928 \u0939\u094b\u0924\u0940 \u0939\u0948<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Floating_Rate_Home_Loan\"><\/span>2. Floating Rate Home Loan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0907\u0938\u092e\u0947\u0902 interest rate market (RBI repo rate) \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u092c\u0926\u0932\u0924\u093e \u0930\u0939\u0924\u093e \u0939\u0948\u0964<br>\u2714 EMI \u092c\u0922\u093c \u092f\u093e \u0918\u091f \u0938\u0915\u0924\u0940 \u0939\u0948<br>\u2714 \u0905\u0915\u094d\u0938\u0930 fixed \u0938\u0947 \u0938\u0938\u094d\u0924\u093e \u0939\u094b\u0924\u093e \u0939\u0948<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Hybrid_Home_Loan\"><\/span>3. Hybrid Home Loan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u092f\u0939 Fixed + Floating \u0915\u093e combination \u0939\u094b\u0924\u093e \u0939\u0948\u0964<br>\u2714 \u0936\u0941\u0930\u0941\u0906\u0924 \u092e\u0947\u0902 fixed rate<br>\u2714 \u092c\u093e\u0926 \u092e\u0947\u0902 floating rate<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Home_Loan_Interest_Rate_%E0%A4%95%E0%A4%BF%E0%A4%A8_factors_%E0%A4%AA%E0%A4%B0_depend_%E0%A4%95%E0%A4%B0%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span>\ud83d\udd39 Home Loan Interest Rate \u0915\u093f\u0928 factors \u092a\u0930 depend \u0915\u0930\u0924\u093e \u0939\u0948?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0906\u092a\u0915\u093e interest rate \u0907\u0928 \u091a\u0940\u091c\u094b\u0902 \u092a\u0930 depend \u0915\u0930\u0924\u093e \u0939\u0948:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit Score (750+ best \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948)<\/strong><\/li>\n\n\n\n<li><strong>Income Stability<\/strong><\/li>\n\n\n\n<li><strong>Loan Amount &amp; Tenure<\/strong><\/li>\n\n\n\n<li><strong>Employment Type (Salaried \/ Self-employed)<\/strong><\/li>\n\n\n\n<li><strong>Property Location &amp; Risk<\/strong><\/li>\n\n\n\n<li><strong>Lender Policy<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udccc High credit score \u0914\u0930 stable income \u0939\u094b\u0928\u0947 \u092a\u0930 \u0906\u092a\u0915\u094b \u0915\u092e interest rate \u092e\u093f\u0932 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Interest_Rate_%E0%A4%95%E0%A4%BE_EMI_%E0%A4%AA%E0%A4%B0_%E0%A4%85%E0%A4%B8%E0%A4%B0\"><\/span>\ud83d\udd39 Interest Rate \u0915\u093e EMI \u092a\u0930 \u0905\u0938\u0930<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Interest rate \u091c\u093f\u0924\u0928\u093e \u0915\u092e \u0939\u094b\u0917\u093e, \u0906\u092a\u0915\u0940 EMI \u0909\u0924\u0928\u0940 \u0915\u092e \u0939\u094b\u0917\u0940\u0964<\/p>\n\n\n\n<p>\ud83d\udc49 Example:<br>\u0905\u0917\u0930 interest rate \u092c\u0922\u093c\u0924\u093e \u0939\u0948, \u0924\u094b:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>EMI \u092c\u0922\u093c\u0947\u0917\u0940<\/li>\n\n\n\n<li>Total interest cost \u092c\u0922\u093c\u0947\u0917\u093e<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udccc \u0938\u093f\u0930\u094d\u092b 0.5% \u0915\u093e \u092b\u0930\u094d\u0915 \u092d\u0940 \u0932\u093e\u0916\u094b\u0902 \u0915\u0940 saving \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A5%8B%E0%A4%82_%E0%A4%9C%E0%A4%B0%E0%A5%82%E0%A4%B0%E0%A5%80_%E0%A4%B9%E0%A5%88_Home_Loan_compare_%E0%A4%95%E0%A4%B0%E0%A4%A8%E0%A4%BE\"><\/span>\ud83d\udd39 \u0915\u094d\u092f\u094b\u0902 \u091c\u0930\u0942\u0930\u0940 \u0939\u0948 Home Loan compare \u0915\u0930\u0928\u093e?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Loan \u0932\u0947\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 comparison \u0915\u0930\u0928\u093e \u092c\u0939\u0941\u0924 \u091c\u0930\u0942\u0930\u0940 \u0939\u0948:<\/p>\n\n\n\n<p>\u2714 Low interest rate \u092e\u093f\u0932\u0947\u0917\u093e<br>\u2714 EMI planning \u0906\u0938\u093e\u0928 \u0939\u094b\u0917\u0940<br>\u2714 Hidden charges \u092a\u0924\u093e \u091a\u0932\u0947\u0902\u0917\u0947<br>\u2714 Overall cost \u0915\u092e \u0939\u094b\u0917\u0940<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Lowest_Home_Loan_Interest_Rate_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%AA%E0%A4%BE%E0%A4%8F%E0%A4%82\"><\/span>\ud83d\udd39 Lowest Home Loan Interest Rate \u0915\u0948\u0938\u0947 \u092a\u093e\u090f\u0902?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0905\u0917\u0930 \u0906\u092a best deal \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u092f\u0947 follow \u0915\u0930\u0947\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2714 Credit score 750+ \u0930\u0916\u0947\u0902<\/li>\n\n\n\n<li>\u2714 EMI\/NMI ratio 50% \u0938\u0947 \u0915\u092e \u0930\u0916\u0947\u0902<\/li>\n\n\n\n<li>\u2714 Multiple lenders compare \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li>\u2714 Higher down payment \u0926\u0947\u0902<\/li>\n\n\n\n<li>\u2714 Stable income \u0926\u093f\u0916\u093e\u090f\u0902<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Balance_Transfer_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%8B%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span>\ud83d\udd39 Balance Transfer \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u093e \u0939\u0948?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Home Loan Balance Transfer<\/strong> \u092e\u0947\u0902 \u0906\u092a \u0905\u092a\u0928\u093e existing loan \u0915\u093f\u0938\u0940 \u0926\u0942\u0938\u0930\u0947 bank \u092e\u0947\u0902 transfer \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u091c\u0939\u093e\u0902 interest rate \u0915\u092e \u0939\u094b\u0964<\/p>\n\n\n\n<p>\u2714 EMI \u0915\u092e \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948<br>\u2714 Total interest cost \u0915\u092e \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948<\/p>\n\n\n\n<p>\ud83d\udc49 \u0932\u0947\u0915\u093f\u0928 transfer \u0924\u092d\u0940 \u0915\u0930\u0947\u0902 \u091c\u092c difference \u0915\u092e \u0938\u0947 \u0915\u092e <strong>0.75%\u20131%<\/strong> \u0939\u094b\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Government_Schemes_Bonus_Tip\"><\/span>\ud83d\udd39 Government Schemes (Bonus Tip)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>PMAY (Pradhan Mantri Awas Yojana)<\/strong><br>\u2714 Interest subsidy \u092e\u093f\u0932\u0924\u0940 \u0939\u0948<br>\u2714 EMI \u0915\u092e \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Final_Conclusion_Famenest_Tip\"><\/span>\ud83d\udd39 Final Conclusion (Famenest Tip)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0905\u0917\u0930 \u0906\u092a smart \u0924\u0930\u0940\u0915\u0947 \u0938\u0947 <strong>Home Loan Interest Rate compare<\/strong> \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0906\u092a \u0932\u093e\u0916\u094b\u0902 \u0930\u0941\u092a\u092f\u0947 \u092c\u091a\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p>\ud83d\udc49 \u0939\u092e\u0947\u0936\u093e \u092f\u093e\u0926 \u0930\u0916\u0947\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u091c\u0932\u094d\u0926\u092c\u093e\u091c\u093c\u0940 \u092e\u0947\u0902 loan \u0928 \u0932\u0947\u0902<\/li>\n\n\n\n<li>comparison \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li>EMI planning \u092a\u0939\u0932\u0947 \u0915\u0930\u0947\u0902<\/li>\n<\/ul>\n\n\n\n<p><strong>Also Read: <a href=\"https:\/\/famenest.com\/blog\/mumbai-me-ghar-kharidne-ke-tips\/\">\u092e\u0941\u0902\u092c\u0908 \u092e\u0947\u0902 \u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u092f\u0947 10 \u091c\u093c\u0930\u0942\u0930\u0940 \u092c\u093e\u0924\u0947\u0902 \u091c\u093c\u0930\u0942\u0930 \u091c\u093e\u0928 \u0932\u0947\u0902 (2026 \u0917\u093e\u0907\u0921)<\/a><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u0905\u0917\u0930 \u0906\u092a Famenest.com \u092a\u0930 property search \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902, \u0924\u094b \u092f\u0939 knowledge \u0906\u092a\u0915\u094b \u0938\u0939\u0940 decision \u0932\u0947\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0947\u0917\u0940 \ud83d\udca1<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0905\u0917\u0930 \u0906\u092a \u0905\u092a\u0928\u093e \u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u0947 \u0915\u093e \u092a\u094d\u0932\u093e\u0928 \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902, \u0924\u094b \u0938\u092c\u0938\u0947 \u091c\u093c\u0930\u0942\u0930\u0940 \u092b\u0948\u0915\u094d\u091f\u0930 \u0939\u094b\u0924\u093e \u0939\u0948 Home Loan Interest Rate\u0964 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":68,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[3,15],"tags":[17,16,18],"class_list":["post-66","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-property","category-finance","tag-best-home-loan-interest-rates","tag-home-loan-interest-rates","tag-home-loan-interest-rates-all-banks"],"_links":{"self":[{"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/posts\/66","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/comments?post=66"}],"version-history":[{"count":2,"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/posts\/66\/revisions"}],"predecessor-version":[{"id":80,"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/posts\/66\/revisions\/80"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/media\/68"}],"wp:attachment":[{"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/media?parent=66"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/categories?post=66"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/tags?post=66"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}