Home Loan एक ऐसा लोन है जिसे आप अपने घर को खरीदने, बनाने या renovate करने के लिए ले सकते हैं। 2025 में कई बड़े बैंक और NBFC competitive interest rates पर home loan ऑफर कर रहे हैं।
📌 Overview Table
| विषय | विवरण |
|---|---|
| Loan Type | Home Loan 2025 |
| Eligibility | Salaried & Self-Employed Individuals |
| Age Limit | 21 – 60 Years (Salaried), 21 – 65 Years (Self-Employed) |
| Interest Rate | 8.20% – 10.50% (Bank Wise) |
| Tenure | 5 – 30 Years |
| Processing Fee | 0.25% – 1% of Loan Amount |
| Collateral | Property being purchased |
| Mode of Apply | Online / Offline |
💰 Interest Rates – Top Banks 2025
| Bank / NBFC | Interest Rate (p.a.) | Tenure | Processing Fee |
|---|---|---|---|
| SBI Home Loan | 8.25% – 9.75% | 30 Years | 0.35% |
| HDFC Home Loan | 8.40% – 9.90% | 30 Years | Up to ₹3000 |
| ICICI Bank Home Loan | 8.45% – 10.25% | 25 Years | 0.5% |
| Axis Bank | 8.50% – 10.50% | 25 Years | 1% |
| LIC Housing Finance | 8.30% – 9.60% | 30 Years | ₹10,000 max |
🎯 Eligibility Criteria
- भारतीय नागरिक होना चाहिए।
- Minimum Age: 21 Years, Maximum: 60/65 Years (job type अनुसार)
- Regular income source होना चाहिए (Salary/Business/Professional)
- CIBIL Score: 750+ recommended
- Property papers clear होने चाहिए।
📂 Documents Required
- Aadhaar Card / PAN Card
- Income Proof (Salary Slip/ITR/Bank Statement)
- Property Documents
- Passport Size Photo
- Employment Proof
📊 EMI Calculator (Example)
अगर आप ₹25,00,000 का Home Loan लेते हैं 20 साल के लिए 8.50% ब्याज दर पर:
- EMI = ₹21,600 Approx
- Total Interest = ₹27,00,000+
- Total Repayment = ₹52,00,000+
👉 आप EMI Calculator online use करके अपनी EMI calculate कर सकते हैं।
✅ Benefits of Home Loan 2025
- Tax Benefits under Section 80C & 24(b)
- Long tenure (up to 30 years)
- Lower interest rates vs. personal loan
- Property ownership advantage
- Online process – fast approval
💡 Best Tips Before Applying
- अपना CIBIL Score 750+ रखें।
- कम से कम 20% down payment ready रखें।
- अलग-अलग बैंकों की interest rate compare करें।
- Short tenure choose करने पर कम interest देना पड़ेगा।
- Processing Fee और hidden charges check करें।
❓ FAQs
Q1. 2025 में Home Loan की minimum interest rate क्या है?
👉 लगभग 8.20% p.a. (SBI & HDFC जैसी बड़ी बैंकों में)।
Q2. Home Loan EMI कैसे calculate करें?
👉 Online EMI Calculator या Bank Loan Calculator से।
Q3. क्या Home Loan पर Tax Benefit मिलता है?
👉 हाँ, Section 80C और 24(b) के तहत।
Q4. क्या Self-Employed लोग भी Home Loan ले सकते हैं?
👉 हाँ, ITR और income proof दिखाना अनिवार्य है।
