Turn your dream into a reality
7.15%Interest from p.a.
10 CrLoan amount up to
30 yrsFlexible tenure
Low/NilProcessing fees
Own Your Dream Home with Trusted Nationalized Banks Home Loans
Affordable interest rates, higher loan eligibility, flexible repayment options, and fast approvals for salaried, self-employed, NRI, and balance transfer customers.
Why Choose Nationalized Banks Home Loans?
Competitive Rates
Repo-linked rates with quick rate-benefit transmission.
High Eligibility
Up to 90% financing with higher loan eligibility.
Flexible Tenure
Repayment options up to 30 years to suit your budget.
No Prepayment
No penalty on floating-rate prepayment or foreclosure.
Fast Processing
Low or nil processing fees on eligible schemes.
Balance Transfer
Move your loan and save more with lower rates.
Home Loan Interest Rates
| Applicant Type | Interest Rate |
|---|---|
| Salaried Individuals | 7.15% - 8.55% |
| Self-Employed Professionals | 7.65% - 9.05% |
| NRI Applicants | 7.15% - 8.55% |
| Balance Transfer Loans | Starting from 7.65% |
Rate Based on CIBIL Score
| CIBIL Score | Likely Rate |
|---|---|
| 800 & Above | Best rates |
| 750 - 799 | Highly competitive |
| 700 - 749 | Standard rates |
| Below 700 | Higher rates may apply |
Calculate Your Monthly EMI
EMI example table at 7.15% p.a.
| Loan Amount | 10 Years | 20 Years | 30 Years |
|---|---|---|---|
| 25 Lakhs | 29,215 | 19,609 | 16,885 |
| 50 Lakhs | 58,430 | 39,218 | 33,769 |
| 75 Lakhs | 87,645 | 58,827 | 50,654 |
| 1 Crore | 1,16,860 | 78,436 | 67,539 |
Check Your Home Loan Eligibility
Find out how much loan you are eligible for in a few simple steps.
Quick process
Personalized result
Secure & confidential
Pre-approval in minutes
For Salaried Individuals
- Age: 21 to 60 years
- Stable employment in govt, private, or PSU
- Minimum 2 years work experience
- Regular salary credits
For Self-Employed Individuals
- Age: 23 to 70 years
- Business continuity of 3+ years
- ITR for last 2-3 years
- Bank statement assessment
Key Eligibility Factors
- Minimum CIBIL score: 700+ recommended
- Age and repayment capacity
- Income level and stability
- FOIR between 50% and 60%
- Co-applicant income accepted
Documents Required
Salaried Applicants
Aadhaar card, PAN card, salary slips, bank statements, Form 16/ITR, employee ID card.
Self-Employed Applicants
Aadhaar card, PAN card, business proof, GST returns, ITR for 2-3 years, bank statements.
Balance Transfer Benefits
Already paying a higher EMI? Switch to nationalized banks and enjoy lower rates, reduced EMI, top-up loan facility, and clear terms.
Check Balance Transfer Eligibility