Home Loan Rates Comparison 2026
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Home Loan Rate Factors 2026
Factors That Lower Your Rate
- Higher CIBIL score (750+)
- Government/salaried employment
- Lower Loan-to-Value (LTV) ratio
- Existing banking relationship
- Women co-borrower
Factors That Raise Your Rate
- Low CIBIL score (below 700)
- Self-employed with variable income
- High existing debt (FOIR > 50%)
- Short employment history
- Rural/semi-urban property
Calculate Home Loan EMI
Find out your monthly EMI at the current home loan rates
Open EMI CalculatorRBI Repo Rate Impact
Most home loans are linked to EBLR (External Benchmark Lending Rate) which directly follows the RBI repo rate.
Current RBI Repo Rate: 6.25%