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Best Home Loans in India 2025

Secure your dream home with LoanPao’s low rates from 7.35% p.a. and approvals in 48 hours.

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Home Loans in India 2025

LoanPao’s Home Loans help you purchase or construct your dream home, with options like home construction loans or home renovation loans. In 2025, with India’s housing demand growing by 12–14% annually, our home loans offer competitive rates from 7.35% p.a., flexible tenures up to 30 years, and tax benefits up to ₹3.5 lakh under Sections 24, 80C, and 80EE. LoanPao partners with 250+ trusted lenders to provide tailored solutions, ensuring quick approvals and minimal paperwork.

Key Features of Home Loans

  • Loan Amount: Up to 90% of property value, based on eligibility.
  • Interest Rates: Starting at 7.35% p.a. (fixed or floating).
  • Tenure: Up to 30 years for affordable EMIs.
  • Tax Benefits: Save up to ₹2 lakh on interest (Section 24) and ₹1.5 lakh on principal (Section 80C).
  • Digital Process: Apply online with e-KYC and instant pre-approvals.

Whether you’re a first-time buyer or upgrading your home, LoanPao’s experts, backed by RBI-compliant lenders, guide you every step of the way. Start your journey today!

Home Loan Interest Rates 2025

Compare rates from top lenders, starting at 7.35% p.a. Rates depend on credit score, loan amount, and type (fixed or floating).

Lender Interest Rate (p.a.) Processing Fee
Bank of India 7.35%–8.50% 0.25%–1%
HDFC Bank 7.90%–9.50% Up to 0.5%
Bajaj Finserv 7.49%–10.00% Up to 1%
ICICI Bank 8.00%–9.75% 0.5%–2%

Loan Comparison Tool

Our Loan Comparison Tool lets you compare rates, tenures, and fees from 250+ lenders in real-time. Enter your loan amount, tenure, and credit score to find the best deal tailored to your needs.

Compare Now

Why Choose LoanPao?

LoanPao offers tailored home loans with over 250 trusted lenders, seamless digital applications, and 24/7 support. Our experts, certified by IRDAI, ensure transparency and compliance with RBI guidelines.

Low Rates

Competitive rates starting at 7.35% p.a.

Quick Approvals

Approvals within 48 hours with minimal paperwork.

Trusted Partners

Access 250+ banks and NBFCs.

Eligibility Criteria

Check if you qualify for a LoanPao home loan:

  • Age: 21–65 years
  • Income: ₹25,000+/month (salaried) or ₹3 lakh p.a. (self-employed)
  • Credit Score: 700+ for better rates
  • Employment: 2+ years (salaried) or 3+ years (self-employed)
  • Tip: Co-applicants (e.g., spouse) improve eligibility and rates.
Check Eligibility

Application Process

Apply for your home loan in 5 easy steps:

  1. Submit online application on LoanPao’s platform.
  2. Provide ID, income, and property details.
  3. Get pre-approved offers from lenders.
  4. Complete verification (legal and technical).
  5. Receive funds in days.
Apply Now

EMI Calculator

Use our EMI Calculator to estimate monthly payments and total interest based on loan amount, tenure, and rate.

Calculate EMI

Market Insights

RBI’s repo rate cut to 5.50% in 2025 has reduced floating rates, boosting housing demand by 12–14% annually. Read more in our blog.

Testimonials

“LoanPao made my home loan process seamless. Got a 7.49% rate and approval in 3 days!”

Ankit Sharma, Delhi

“Their comparison tool helped me save ₹2 lakh in interest. Highly recommend!”

Aman Mehta, Mumbai

Frequently Asked Questions

Up to 90% of property value, based on income and credit score.

Yes, no penalties for floating-rate loans from January 2026, per RBI.

Deductions under Section 24 (₹2 lakh on interest), 80C (₹1.5 lakh on principal), and 80EE.

EMI (Equated Monthly Installment) is a fixed monthly payment covering principal and interest until the loan is repaid.