Home Loan Rates

Developers say lower home loan rates after RBI repo rate cuts have improved affordability across major cities, supporting buyer confidence and housing sales momentum into 2026

Knight Frank's Affordability Index shows lower home loan rates improved affordability in seven of eight top cities in 2025, with Mumbai's EMI stress falling below 50 per cent

JM Financial Home Loans aims to scale AUM to Rs 5,000 crore by FY27, driven by branch expansion, higher ticket sizes and tighter early-stage delinquency controls, MD & CEO Manish Sheth said

PSU loans start at 7.35%, private lenders charge 7.65% and above

Customers should check processing fees, prepayment charges, eligibility criteria

As of June 2025, home loans, according to the Equirus note, grew 12.8 per cent y-o-y to Rs 41.2 trillion, led by state-owned banks (+15.5 per cent y-o-y) and NBFCs / state finance banks

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Borrowers this September face a wide interest rate spread on home loans, lowest at 7.35% and highest touching 15%, depending on the bank or finance firm.

Customers should consider loan slabs and benefits when they are evaluating offers by lenders

Rates range from 7.25% to 15%; check what banks and housing finance companies have for you

Borrowers can maximise savings when interest rates fall by retaining their EMI and reducing tenure, while also benefiting from repo-linked loans and selective prepayments

RBI cuts repo rate to 5.50%. Borrowers with MCLR or base rate loans could save up to ₹8.5 lakh by switching to repo-linked loans, say experts

Bank of Baroda has cut home loan rates by 40 basis points, with revised rates starting at 8 per cent and linked to borrower credit scores; added concessions offered

Expects to reduce home loan rates by 10-15 bps

RBI's decision to reduce the repo rates by 25 bps piggybacks on the recent taxation benefits announced in the Union Budget

The CRR cut would allow banks to lend more by freeing up reserves

"A steady rate ensures consistent repayment terms, which increases the confidence of homebuyers," said Manju Yagnik, vice chairperson of Nahar Group and senior vice president of NAREDCO Maharashtra

52 per cent of people prefer apartments, according to Business Standard-Knight Frank report

China's central bank kept a key lending rate unchanged on Monday, choosing not to loosen credit as data for May showed signs of persisting weakness in the world's No. 2 economy's manufacturing and real estate sectors. The central bank kept its rate for 1-year medium-term lending facility loans, used as a benchmark for other lending rates, at 2.5%. The decision aligned with expectations: instead of cutting already low interest rates Beijing has focused on channeling spending to areas considered to be high priorities such as high-tech industries. The government reported Monday that factory output fell 5.6% in May from the year before, slowing from 6.7% in April, though analysts noted some impact due to more work days in this year compared with the year before. Property investments fell 10% year-on-year and home sales sank 30.5%, suggesting a raft of measures to try to turn around a real estate slump have yet to take hold. Home prices in major, so-called Tier 1 cities like Beijing and

Interest rates depend on a customer's creditworthiness, loan amount, professional background and other factors