30 Lakh Home Loan

All banks and Housing Finance Companies (HFCs) offer home loans of up to Rs. 30 lakh. The loan amount can be repaid through monthly EMIs over a chosen tenure, along with applicable interest and other charges. However, the interest rate offered varies depending on factors such as the borrower’s credit score, overall credit profile, loan amount, and the final Loan-to-Value (LTV) ratio determined for the property.

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30 Lakh Home Loan Interest Rates

Most lenders offer floating-rate loans, while fixed and hybrid options are also available. Hybrid loans typically have a fixed rate for the initial 2–3 years before switching to floating rates. Borrowers with existing high-interest home loans can also opt for a balance transfer to a lender offering a lower rate.

Rs. 30 Lakh Home Loan EMI for 10 Year Tenure

Lenders Name	Interest Rate (%p.a.)	EMI
SBI Home Loan	7.25-8.55	Rs. 35,220 - Rs. 37,276
HDFC Home Loan	7.75 onwards	Rs. 36,003 onwards
ICICI Home Loan	7.55 onwards	Rs. 35,611 onwards
BOB Home Loan	7.20-9.00	Rs. 35,143 - Rs. 38,003
Union Bank of India Home Loan	7.15-9.60	Rs. 35,065 - Rs. 38,984

30 Lakh Home Loan EMI for 20 Year Tenure

Lenders Name	Interest Rate (%p.a.)	EMI
SBI Home Loan	7.25-8.55	Rs. 23,711 - Rs. 26,130
HDFC Home Loan	7.75 onwards	Rs. 24,628 onwards
ICICI Home Loan	7.55 onwards	Rs. 24,260 onwards
BOB Home Loan	7.20-9.00	Rs. 23,620 - Rs. 26,992
Union Bank of India Home Loan	7.15-9.60	Rs. 23,530 - Rs. 28,160

Rs. 30 Lakh Home Loan EMI for 30 Year Tenure

Lenders Name	Interest Rate (%p.a.)	EMI
SBI Home Loan	7.25 - 8.55	Rs. 20,465 - Rs. 23,174
HDFC Home Loan	7.75 onwards	Rs. 21,492 onwards
ICICI Home Loan	7.55 onwards	Rs. 21,079 onwards
BOB Home Loan	7.20 - 9.00	Rs. 20,364 - Rs. 24,139
Union Bank of India Home Loan	7.15 - 9.60	Rs. 20,262 - Rs. 25,445

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LTV Ratio for a Home Loan

Home Loan Amonut	LTV Ratio
Up to Rs. 30 Lakh	90%
Above Rs. 30 Lakh and up to Rs. 75 Lakh	80%
Above Rs. 75 Lakh	75%

Factors to Consider While Availing a Home Loan Up to Rs. 30 Lakh

Loan-to-Value (LTV) Ratio: LTV shows the portion of the property value financed by the lender. For loans up to Rs. 30 lakh, RBI permits LTV up to 90%, subject to the lender’s assessment.
Loan Tenure: Tenures can extend up to 30 years. Choose a tenure that keeps total EMIs, including existing loans, within your repayment capacity.
Credit Score: A score of 760+ is generally considered favourable and may improve loan approval prospects and access to competitive rates.
Processing Fees: Lenders usually charge a one-time processing fee, which may be up to 2% of the loan amount. Offers and waivers may vary.
Prepayment Charges: No prepayment penalty is generally allowed on floating-rate home loans for individual borrowers. Charges may apply to certain fixed-rate loans.

Eligibility Criteria for Availing a Home Loan up to Rs. 30 Lakh

Resident Indians are eligible to avail home loans up to Rs. 30 lakh. Some lenders also offer home loans to NRIs.
Lenders usually offer home loans to fresh loan applicants or existing borrowers (under the balance transfer option) aged 18 years and older. However, lenders usually require borrowers to repay their home loans by the time they are 70 years old.
Lenders offer home loans to both salaried and self-employed individuals/business owners.
Borrowers can improve their home loan eligibility by using methods like adding earning family members as co-borrower(s) or by opting for a longer loan tenure.
Loan applicants with credit scores of 760 and above have higher chances of availing home loans. Many banks and HFCs also provide home loans at lower interest rates to applicants having higher credit scores

Individual lenders might also look at several other factors like the income of a loan applicant, work experience (for salaried) and business continuity (for business owners), liabilities, assets, age of the property, etc., while ascertaining their eligibility for availing a home loan up to Rs. 30 lakh.

Documents Required for Rs. 30 Lakh Home Loan

Most lenders require loan applicants to submit the following documents when they are applying for a home loan:

Duly filled application form
Identity proof
Age proof
Income proof (both for salaried and self-employed)
Proof of employment/business
Address proof
Property documents
Estimated cost of property

Note: This list is non-exhaustive. Lenders may ask for additional documents based on their requirements and the loan applicant’s profile.

How to Apply for a Home Loan of Rs. 30 Lakh through Paisabazaar

Prospective home loan borrowers can check for curated home loan offers from various partner lenders on the Paisabazaar app or its official website in the following steps:

Through Paisabazaar’s Website:

Visit the official website of Paisabazaar and click on home loans
Enter your contact details
Fill in the required information
Select your bank aggregator and view curated home loan offers from partner lenders as per your requirements

Through the Paisabazaar App:

Download the Paisabazaar app and sign in to your account (only for the first time)
Click on the “Home Loan” icon and fill in the required information
Select your bank aggregator and view curated home loan offers from partner lenders as per the requirements filled in by the applicant

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FAQs

What credit score is required for a Rs. 30 lakh home loan?

There is no fixed credit score requirement. Lenders consider your CIBIL Score, income, existing debts, repayment history and overall financial profile.

What salary is required for a Rs. 30 lakh home loan?

There is no fixed salary requirement. Lenders generally consider your income, existing EMIs, expenses, credit history, age and repayment capacity.

What is the interest rate on a Rs. 30 lakh home loan?

The interest rate varies by lender and borrower profile. It may depend on factors such as credit history, income, loan tenure and prevailing rates.

What is the maximum repayment tenure for a Rs. 30 lakh home loan?

The maximum tenure depends on the lender and the borrower’s age and eligibility. Some lenders offer repayment periods of up to 30 years.

Can I get a Rs. 30 lakh home loan with a low credit score?

It may be possible, depending on the lender’s eligibility criteria. A low CIBIL Score can affect loan approval and the terms offered.

What is the ideal tenure for a Rs. 30 lakh home loan to keep EMI manageable?

A longer tenure can reduce the monthly EMI but increase total interest. Consider your monthly budget and repayment capacity before choosing the tenure.

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What our customers say

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Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

Pradeep SinghJan 7, 2026

Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

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me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

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I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

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Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

Soumil KhannaSep 3, 2021

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Written By

Samridhi Srivastava

Reviewed By

Shamik Ghosh

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Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

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