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Home Loan

At some point in life, we all want a place to call home, a place where we make memories, enjoy life, and share laughter. At SBI Realty, we're here to support you in making that dream of owning your own home come true. You can apply for a home loan with us at the best interest rates. If you're looking for the best home loan in India, SBI is your top choice. Take a look at our home loan interest rates and easily apply online for fast approvals and disbursements. Your dream home is within reach!

Features & Benefits of SBI Home Loan

Complete Transparency

We ensure full transparency by disclosing all important information to our home buyers who apply for housing loans online.

Attractive Interest Rates

Many home buyers look for the lowest home loan interest rate. At SBI Realty, we offer home loans at attractive interest rates without any hidden charges.

Affordable Home Loans

SBI housing loan comes with low processing fees, zero hidden charges and no pre-payment facility.

Repayment up to 30 years

Long repayment schedules help bring down the EMI and hence the flexibility to repay housing loans online with SBI.

Interest Concession for Women Applicant

SBI offers women home loan borrowers a concession of 0.05%, Also, women should be the Primary applicant for the home loan.

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Home Loan Calculator

SBI Home Loan calculator helps you calculate your EMI amount and also check your Home Loan eligibility.

Home Loan EMI Calculator

Use the EMI Calculator as a simple tool to determine the EMI for your home loan. Also further plan your monthly finances to make the right decision in your home purchase.

Loan Amount

05cr

Tenure (Year)

Yr
1yr40yr

Interest

%
015%

Monthly EMI

Principal Amount

Interest Amount

Total amt payable

NRI Home Loan Calculator

Calculate your home loan eligibility based on the factors below and get the result in the total amount you would be able to avail in the home loan and its EMI.

Home Loan Required

05cr

Net income per month

05cr

Other EMIs (per month)

05cr

Tenure

Yr
1yr40yr

Interest

%
015%

You are Eligible for this loan

Your Home Loan EMI per month will be

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You may include the income of co-applicants (spouse, children, parents, siblings) while calculating your Home Loan eligibility

Home Loan Affordability Calculator

Know all the details of your loan and assign a set budget for your purchase. Helps you to search for affordable properties and to steer clear of avoidable deals.

Principal

05cr

ROI

%
030%

Tenure

yr
1Mo30Yr

Moratorium

yr
1Yr3yr

Pre-EMI interest

interest payable

41,70,432

payments mode

1,16,70,432
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You may include the income of co-applicants (spouse, children, parents, siblings) while calculating your Home Loan eligibility

Home Loan Balance Transfer Calculator

Balance Transfer lets you determine details when you shift your outstanding home loan balance from an existing bank to SBI, check the amount saved after switching banks.

Current Loan

Current O/s Balance

05cr

Tenure

yr
1Yr30Yr

Interest

%
015%

SBI home Loan

Tenure

yr
1Yr30Yr

Interest

%
015%

Your Saving

Existing EMI

1,29,78,625

Proposed EMI

2,04,78,625
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Eligibility Criteria for SBI Home Loan

If you plan to apply for a home loan, always check if you fit the eligibility criteria. You will get the best home loan in India basis your current income, age, loan amount requirement, CIBIL Score and tenure.

SBI Home Loan Interest Rates

SBI offers home loans online, and the low-interest rates. You can get an attractive interest rate for new or resale homes and plot and construction or balance transfer.

Types of Home Loans in India

New Home Loan

Get a home loan for a new home in India with SBI at attractive interest rates.

Resale Home Loan

You can also get resale property housing loans online with SBI.

Loan against Property

We are happy to offer if you wish to mortgage your property and get a loan against it.

Balance Transfer of existing home loan

Why pay heavy EMIs on existing homes when you can transfer your home loan to SBI and pay low interest?

Plot & Construction Loan

Your dream of owning a dream house all on your matching your requirements will come true with our plot + construction loan

Top-up on existing loan

Planning to renovate your home, add furniture, or bring in some fresh décor element to uplift the look? Then get a top-up on your existing SBI Home Loan.

Documents Required for SBI Home Loan

Applying for a home loan from SBI Bank is a simple and convenient process when you have the necessary documents ready. Whether you're purchasing a new house, building a new home, or renovating your current residence, we've streamlined the paperwork to minimize your stress. The documentation required for a Home Loan is uncomplicated. Refer to the checklist below:

Things to Consider When Applying for Home Loan

Purchasing a home is an important financial choice, and securing a home loan will influence your finances. Therefore, before making this important decision, there are several crucial aspects you should be aware of. If you're aiming to apply for the best home loan in India, take these factors into account before making your choice of finalising the lending institution.

Down payment: You must have at least 10-15% of your agreement value in hand before final disbursement.

Tenure: Check the home loan tenure before finalising your loan with us. You can avail Longest Home Loan Tenure Up to 30 years.

Eligibility: You must be eligible to get the sanction of your home loan. Factors like income, age and CIBIL score will be considered widely to confirm your eligibility.

Charges: You must be very aware of the charges you are expected to pay, along with processing fees. At SBI, we don’t charge pre-payment penalties, which means you will save big if you ever wish to opt for home loan part repayment or foreclosure.

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Disclaimer
SBICAP Securities Limited through its division SBI Realty solutions deals in Pre Launch, Under construction, Ready Possession. SBICAP Securities Limited through its division SBI Realty solutions provides a unified platform for exchange of information & facts for buyers, builders & sellers. SBICAP Securities Limited through its division SBI Realty solutions is merely an intermediary for exchange of information to facilitate the transactions between Builder, Developers / Seller and Customer / Buyer and is not and cannot be a party to or control in any manner any transactions/disputes between the Seller and the Buyer. Projects featured on www.sbirealty.in are SBI approved projects only. SBICAP Securities Limited through its division SBI Realty Solutions shall neither be responsible nor liable to mediate or resolve any disputes or disagreements arising between the Buyer & Seller and both Seller and Buyer shall settle all such disputes without involving SBICAP Securities Limited through its division SBI Realty solutions in any manner whatsoever. The Website provides in depth analysis of the Property Market with more than 2400 Under Construction Projects developed, which are currently under development by more than 800 Developers. The website features latest prices, digital pictures of projects in various construction stages. The focus of the website is on Home Buyers looking to buy or upgrade to a New Home or Invest in under construction project or pre-launches by reputed builders.