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Home Loan Rates Span Fixed and Floating Offers

Banks and housing finance companies offer home loans with different interest rates.

Some rates stay fixed for a stated period, while floating rates can change.

The listed floating bank rates start at 7.0% and go as high as 13.20%.

Housing finance companies list floating rates from 7.15% to 20%.

Fixed bank rates range from 8.20% to 14.00%.

LIC Housing Finance Limited lists fixed rates between 10% and 10.25%.

The rate can depend on the lender and the amount borrowed.

Some lenders show different rates for different loan amounts.

Fixed-rate loans may later move to floating rates under the lender’s terms.

Key facts

Compilation date: October 2, 2026
Source: BankBazaar.com, using respective lenders’ websites
Floating bank range: 7.0% to 13.20% among the listed banks
Fixed bank range: 8.20% to 14.00% among the listed fixed-rate bank offers
Floating housing-finance range: 7.15% to 20% among the listed companies
LIC Housing Finance Limited fixed rate: 10% to 10.25%
Important condition: Some fixed rates apply only for a specified period before prevailing floating rates may apply

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