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Many banks and NBFCs/HFCs use the multiplier technique to set the mortgage quantity eligibility for his or her house mortgage candidates. Under this technique, lenders calculate the house mortgage quantity primarily based on a pre-decided a number of of an applicant’s month-to-month revenue. Lenders normally supply house loans to salaried people for mortgage quantities of as much as 72 occasions of their gross month-to-month revenue or 6 occasions of their gross annual revenue (primarily based on IT returns). For instance, if the web month-to-month salary of an worker is Rs. 30,000, they’ll avail a house mortgage for mortgage quantities of as much as Rs. 21.6 lakhs. If there may be multiple incomes member in a family, the lender can mix the web month-to-month revenue of all such members to maximise the eligibility quantity for house mortgage.
Home Loan Interest Rates of Top Public Sector Banks
Name of Lender Up to 30 Lakh
Bank of Baroda 7.45% – 8.95%
Punjab National Bank 7.45% – 8.85%
Punjab & Sind Bank 7.40% – 8.50%
State Bank of India 7.55% – 8.55%
Union Bank of India 7.40% – 9.15%
Indian Bank 7.40% – 8.45%
Bank of India 7.40%-9.25%
UCO Bank 7.40%– 7.60%
Bank of Maharashtra 7.30% – 9.20%
Canara Bank 7.55% – 12.35%
Indian Overseas Bank 7.95% – 8.30%
Home Loan Interest Rates of Top Private Sector Banks
Name of Lender Up to 30 Lakh
Kotak Mahindra Bank 7.50% onwards
ICICI Bank 7.60% – 8.20%
Axis Bank 7.60% – 12.50%
Karur Vysya Bank 7.15% – 9.35%
South Indian Bank 8.25% – 11.00%
Karnataka Bank 7.89% – 9.14%
Federal Bank 8.55% – 8.60%
Dhanlaxmi Bank 7.85% – 9.00%
Tamilnad Mercantile Bank 7.95% onwards
Bandhan Bank (GRUH Home Loan) 7.30% – 13.50%
RBL Bank 10.30% – 12.00%
Home Loan Interest Rates of Top Housing Finance Companies (HFCs)
Name of Lender Up to 30 Lakh
LIC Housing Finance 7.50% – 8.60%
HDFC Ltd. 7.55% – 8.75%
Tata Capital Housing Finance 7.75% onwards
Bajaj Housing Finance
7.20% onwards
PNB Housing Finance 7.50% – 16.75%
Repco Home Finance 7.70% onwards
GIC Housing Finance 8.20% onwards
Indiabulls Housing Finance 7.60% onwards
Aditya Birla Capital 8.00% – 12.50%
ICICI Home Finance 9.20% onwards
Home First Finance 8.00% – 18.00%
Godrej Housing Finance 7.49% – 10.99%
L&T Housing Finance 7.70% – 8.70%
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