Looking for Trusted Bank Options for 90% Home Loan in Bangalore

[pulkit.gupta4444]

Hi everyone,
Planning to buy a flat in Bangalore and looking for a home loan (around 90%) 1.35CR approx. Could you please suggest which bank is the most trusted with minimum interest rate, lowest fees, and no hidden charges or tricks?
Would really appreciate if you can share your bank name and current interest rate you’re getting.

Thanks in advance

 

[nikhilchauhan]

Most leading banks and housing finance companies provide up to 90% home loans, but the actual approval depends on your income, credit score, and property value. It’s a good idea to check with a few banks before deciding, as interest rates and terms can vary slightly from person to person.

As of now, general home loan interest rates across popular banks and HFCs are usually in the range of 8.3% to 9.5% p.a. for salaried individuals with good credit scores (750+). Public sector banks like SBI, Bank of Baroda, and Union Bank often have lower starting rates, while private banks and housing finance companies may charge a bit higher depending on the profile.

Keep an eye on:

• Processing fees: Usually 0.25% to 1% of the loan amount (sometimes capped).
• Prepayment or foreclosure charges: Mostly waived for floating-rate loans.
• Hidden charges: Always check for legal, valuation, or administrative fees before signing.

Also, consider negotiating with your existing bank if you already have a salary account or other relationship, they sometimes match competitor offers.

 

[pulkit.gupta4444]

Can u share some more name of Good banks giving 8.3% ? Hdfc I am having salary account they are giving 8.4%