Home Loan Ka Interest Rate Kaise Kam Karein

Aaj ke time me apna ghar lena ek bada sapna hota hai, lekin high interest rate ki wajah se home loan lena mehenga pad sakta hai. Agar aap bhi apne home loan ka interest rate kam karna chahte hain, to yah guide aapke liye hai

1. Achha CIBIL Score Maintain Karein

Home loan par kam interest rate paane ke liye aapka aur aapke co-applicant ka CIBIL score 700+ hona chahiye. Agar score kam hai, to interest rate zyada lag sakta hai.

CIBIL Score Sudharne Ke Tarike

✔ Purane loan aur credit card bill time par chukayein

✔ Credit utilization 30% se kam rakhein

✔ Multiple loans ek sath apply na karein

2. Sahi Bank Aur Loan Scheme Ka Chunav Karein

Har bank ka home loan interest rate alag hota hai. Aapko compare karna chahiye ki kaun sa bank lowest home loan rate de raha hai.Bank Home Loan Interest Rate (2025)

SBI 8.40% – 9.50%
HDFC 8.50% – 9.60%
ICICI 8.45% – 9.55%
PNB 8.35% – 9.45%

Home loan single person ko nahi milta, isliye aapko co-applicant lena padega.

Ye aapka:

✔ Bhai

✔Wife

✔ Father/Mother ho sakte hain.

Agar co-applicant ka CIBIL score achha hai aur achhi income hai, to aapka interest rate kam ho sakta hai.

4. Government Subsidy Ka Fayda Uthayein

Agar aap Pradhan Mantri Awas Yojana (PMAY) ke under aate hain, to aapko 6.5% tak interest subsidy mil sakti hai.

Eligibility

✔ Aapka ghar pehli baar ho

✔ Aapke naam pe pehle koi ghar nahi ho

✔ Aapki annual income ₹3 – ₹18 lakh ke beech ho

5. Prepayment Karein Aur EMI Kam Karein

Agar aapko bonus ya extra income milti hai, to usse home loan prepayment karein. Isse aapka interest rate aur total interest amount dono kam hoga.

6. Balance Transfer Ka Option Use Karein

Agar aapko lagta hai ki dusre bank me interest rate kam hai, to aap apna home loan balance transfer kar sakte hain.

✔ Compare karein ki kaun sa bank kam interest de raha hai

✔ Processing fee dekhein, taaki naya loan mehenga na pade

✔ EMI aur tenure check karein

7. Bank Aur NBFC Ki Policies Ko Samjhein

Home loan ka interest rate har bank aur NBFC (Non-Banking Financial Company) ke rules aur policies ke hisaab se decide hota hai. Har lender ki alag criteria hoti hai, jo aapko samajhna zaroori hai.

(A) Salaried Logon Ke Liye (Kam Interest Rate)

Agar aapki salary directly aapke bank account me credit hoti hai, to aapko kam interest rate par home loan mil sakta hai.

✔ Preferred Bank Customers – Agar aap usi bank se loan le rahe hain jisme aapka salary account hai, to aapko special discount mil sakta hai.

✔ Stable Job & Income Proof – Agar aap government employee ya reputed MNC me kaam karte hain, to aapko aur bhi kam interest rate mil sakta hai.

✔ Salary Slips & Bank Statement – Loan approve hone ke chances badh jaate hain agar aapke paas 3-6 months ki salary slips aur bank statement available ho.

(B) Cash Salary Wale Logon Ke Liye (Zyada Interest Rate)

Agar aapki salary cash me milti hai aur aapke account me regular transactions nahi hain, to bank aapko high-risk category me rakh sakta hai, jisse interest rate zyada ho sakta hai.

❌ Direct salary nahi milne par, loan costly ho sakta hai.

✅ Salary Certificate ke basis par loan mil sakta hai, lekin interest rate thoda zyada hoga.

✅ Aapke Income Tax Returns (ITR) honi chahiye, taaki bank ko aapki financial stability dikhe.

✅ NBFCs cash salary walon ko loan dete hain, lekin interest rate banks se 1-2% zyada hota hai

Pro Tips:

✔ Salary account maintain karein aur maximum transactions bank ke through karein.
✔ Agar aap self-employed hain, to aapki GST filing aur bank statement strong honi chahiye.
✔ NBFCs se loan lene se pehle compare karein, kyunki unka interest rate banks se zyada hota hai

Conclusion

Home loan ka interest rate kam karne ke liye CIBIL score sudharna, sahi bank chunna, subsidy ka fayda uthana aur prepayment karna zaroori hai. Agar aap ye steps follow karenge, to aapko best home loan rate mil sakta hai.

Agar aapko aur koi home loan se related sawal hai, to niche comment karein!