Compare home loan rates —
across India's top lenders.

Do this

• Maintain CIBIL 750+ — saves 0.25–0.50% p.a.
• Add a woman co-borrower — most lenders give 0.05–0.10% extra off
• Compare at least 3 lenders before committing
• Apply during festive offers (Oct–Nov) — many lenders waive processing fee
• Ask specifically: "What is the final rate after all loading?" — the advertised rate is often the floor
• For ₹75L+ loans, SBI's special schemes often beat NBFCs

Avoid this

• Taking the first offer from your salary bank without comparing
• Ignoring processing fee — ₹30K–₹60K is real money
• Multiple hard enquiries in short time — each one drops your CIBIL by 5–10 points
• Choosing fixed rate without understanding the lock-in period implications
• Overlooking prepayment penalty clauses in the fine print