List of Best Housing Finance Companies in India
Housing finance companies are part of non-bank financial institutions registered under the Companies Act 1961 and provide financing for the purchase, construction, renovation, or extension of housing for a maximum period of 30 years. In addition to offering a range of home loan products, some of these companies may also offer other products, such as home loans and investments, such as fixed deposits, and more. Here is a list of the best mortgage companies that offer a range of home loan products at attractive interest rates of 10% real estate loans.
- HDFC
- PNB Housing Finance
- LIC Housing Finance
- Indiabulls
- IIFL
- Tata Capital
- Piramal Housing Finance
- GIC Housing Finance
- Sundaram Home Finance
- LT Housing Finance
Housing Development Finance Corporation Ltd
HDFC or Housing Development Finance Corporation Ltd is one of the leading housing finance companies in India that offers a range of housing loan products for the purchase of a flat, home construction, extension or improvement starting at 6.90%. HDFC charges a processing fee of up to 0.25%, Min Rs. 3,000 and Max Rs. 10,000 on its HDFC home loan. Along with that, it also provides home loans at discounted rates to its female borrowers at 0.50% below the normal home loan rates. 
Below-mentioned is the table for the HDFC home loan interest rates
| Loan Amount | HDFC Home Loan Floating Rate | Rate For Female Borrower |
| Upto Rs. 30 Lakh | 7.05% | 6.90% |
| Rs. 30 Lakh - Rs. 75 Lakh | 7.05% | 7.00% |
| Rs. 75 Lakh - Rs. 2 Cr | 7.05% | 7.00% |
| Above Rs. 2 Cr | 7.05% | 7.00% |
Home Loan Products: Various home loan products as offered by HDFC are mentioned below:
- Plot loan TruFixed
- HDFC Home Improvement Loans
- HDFC Home Extension Loan
- HDFC Plot Loans
- HDFC Short Term Bridging Loan
- Rural Housing Finance
- HDFC Reach Home Loans
- HDFC Home Loan Top Up
PNB Housing Finance
PNB Housing Finance offers home loans starting at 7.90% along with a processing fee of up to 0.50%, Min Rs. 10,000. Borrowers can avail of a PNB home loan with a maximum tenure of up to 30 years if they are at least 21 years of age.
The table below gives the PNB Housing Finance interest rates on home loans.
| Loan Amount | PNBHFL Home Loan Floating Rate |
| Upto Rs. 5 Lakh | 7.90% |
| Rs. 5 Lakh - Rs. 10 Lakh | 7.90% |
| Rs. 10 Lakh - Rs. 1.50 Cr | 7.90% |
| Above Rs. 1.50 Cr | 7.90% |
Home Loan Products: Various home loan products as offered by PNB Housing Finance are mentioned below:
- Residential Plot Loans
- Unnati Home Loan
LIC Housing Finance
The mortgage loan offered by LIC Housing Finance starts at 6.90%. It also charges a processing fee of up to nil on your home loan. To apply for a home loan from LIC Housing Finance, applicants must be between 21 and 60 years old for self-employed who are 65 years old. 
The following table lists the different interest rates on LIC mortgage loans based on the mortgage loan amount:
| Loan Amount | LIC Housing Finance Home Loan Floating Rate |
| Upto Rs. 50 Lakh | 6.90% |
| Rs. 50 Lakh - Rs. 1 Cr | 6.90% |
| Rs. 1 Cr - Rs. 3 Cr | 6.90% |
| Above Rs. 3 Cr | 6.90% |
Indiabulls
Home loan borrowers can take out home loans starting at 9.25% along with processing fees ranging from Rs 7500 min up to a maximum of Rs. 10,000 Indiabulls. To benefit from the home loan, the borrowers must be at least 23 years old. 
The table below lists the different interest rates for home loans to independent individuals based on the amount of the home loan:
| Loan Amount | Indiabulls Home Loan Floating Rate |
| Upto Rs. 30 Lakh | 9.25% |
| Rs. 30 Lakh - Rs. 75 Lakh | 9.50% |
| Rs. 75 Lakh - Rs. 1 Cr | 9.99% |
| Above Rs. 1 Cr | 9.99% |
Home Loan Products: Various home loan products as offered by Indiabulls are mentioned below:
- Indiabulls e-home loans
IIFL
IIFL offers mortgage loans starting at 8.70% for a period of up to 30 years. It also charges a processing fee of up to 1.25% on a home loan. To take advantage of this benefit, borrowers must be at least 18 years old for their home loan.
The following table lists the variable interest on a home loan based on the amount of the IIFL home loan:
| Loan Amount | IIFL Home Loan Floating Rate |
| Upto Rs. 28 Lakh | 8.70% |
| Rs. 28 Lakh - Rs. 75 Lakh | 8.70% |
| Rs. 75 Lakh - Rs. 2 Cr | 8.70% |
| Above Rs. 2 Cr | 8.70% |
Home Loan Products: Various home loan products as offered by IIFL are mentioned below:
- New Home Loan
- Swaraj Home Loan
- Home Improvement Loan
- NRI Home Loan
- Balance Transfer
Tata Capital
The Tata Capital Home Loan starts at 9.05%. It also charges a processing fee of up to 0.50% on your home loan. To apply for a Tata Capital home loan, applicants must be between 21 and 65 years old.
The following table lists the variable interest on Tata Capital Real Estate loans based on the amount of the Home Loan:
| Loan Amount | Tata Capital Home Loan Rate |
| Upto Rs. 30 Lakh | 9.05% |
| Rs. 30 Lakh - Rs. 75 Lakh | 9.05% |
| Rs. 75 Lakh - Rs. 50 Lakh | 9.05% |
| Above Rs. 50 Lakh | 9.05% |
Home Loan Products: Various home loan products as offered by Tata Capital are mentioned below:
- New Home Loan
- Home Expansion Loan
- Balance Transfer
Piramal Housing Finance
Piramal Housing Finance offers mortgage products starting at 9.00%. It also charges a processing fee of up to 0.10% on a home loan for a maximum term of 30 years. To benefit from the home loan, the borrowers must be at least 23 years old.
The table below lists the variable interest on Piramal Home Loans based on the Home Loan amount:
| Loan Amount | Piramal Housing Home Loan Floating Rate |
| Upto Rs. 50 Lakh | 9.00% |
| Rs. 50 Lakh - Rs. 75 Lakh | 9.00% |
| Rs. 75 Lakh - Rs. 30 Lakh | 9.00% |
| Above Rs. 30 Lakh | 9.00% |
Home Loan Products: Various home loan products as offered by Piramal Housing Finance are mentioned below:
- Home Purchase Loan
- Home Construction Loan
GIC Housing Finance
The mortgage loan offered by GIC Housing Finance starts at 10.25%. It also charges a processing fee of up to Min Rs. 2,500 on your home loan. To apply for a mortgage loan from GIC Housing Finance, applicants must be between 21 and 60 years old for self-employed who are 65 years old.
The following table lists the variable interest for a home loan from GIC based on the amount of the home loan:
| Loan Amount | GIC Housing Finance Home Loan Floating Rate |
| Upto Rs. 25 Lakh | 10.25% |
| Rs. 25 Lakh - Rs. 75 Lakh | 10.25% |
| Rs. 75 Lakh - Rs. 1.50 Cr | 10.25% |
| Above Rs. 1.50 Cr | 10.25% |
Home Loan Products: Various home loan products as offered by GIC Housing Finance are mentioned below:
- Individual Housing Loans
- Composite Housing Loans
- Repairs and Renovation Loans
- Home Extension Loans
- Pradhan Mantri Awas Yojana
Sundaram Home Finance
Home loan borrowers can take out home loans starting at 8.60% plus a processing fee of 0.50% from Sundaram Home Finance. To take advantage of Sundaram Home Loan, borrowers must be at least 21 years old. 
The following table lists the variable interest on Sundaram housing loans based on the home loan amount:
| Loan Amount | Home Loan Rate |
| Upto Rs. 30 Lakh | 8.60% |
| Rs. 30 Lakh - Rs. 75 Lakh | 8.60% |
| Rs. 75 Lakh - Rs. 2 Cr | 8.60% |
| Above Rs. 2 Cr | 8.60% |
Home Loan Products: Various home loan products as offered by Sundaram Home Finance are mentioned below:
- Home Purchase Loan
- Home Extension Loan
- Home Improvement Loan
- Pradhan Mantri Awas Yojana
LT Housing Finance
LT Housing Finance offers mortgage products starting at 9.90%. It also charges a processing fee of up to 2.00%, Min Rs. 4,999 on the L T mortgage loan for a maximum term of 30 years. To take advantage of a home loan, borrowers must be at least 23 years old against a 25-year salary for a self-employed person. 
The following table lists the variable interest on long-term housing loans based on the home loan amount:
| Loan Amount | L And T Finance Home Loan Floating Rate |
| Up to Rs. 30 Lakh | 9.90% |
| Rs. 30 Lakh - Rs. 75 Lakh | 9.90% |
| Rs. 75 Lakh - Rs. 3 Cr | 10.75% |
| Above Rs. 3 Cr | 10.75% |
Home Loan Products: Various home loan products as offered by LT Housing Finance are mentioned below:
- Home Purchase Loan
- Home Extension Loan
- Home Improvement Loan
- Home Construction Loan
- Composite Loan
Conclusion
Also Read: Interest Rate war due to High Home Loan demand
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