SBI Home Loan for purchase of ready-built and under construction properties

SBI Home Loan for purchase of ready-built and under-construction properties, pre-owned homes, construction and extension of houses and repair/renovation.

Property Papers Required for Home Loan:

  • Permission for construction (where applicable)
  • Registered agreement for sale (only for Maharashtra)/allotment letter/stamped agreement for sale
  • Occupancy certificate (in case of ready to move property)
  • Share certificate (only for Maharashtra), maintenance bill, electricity bill, property tax receipt
  • Approved plan copy (Xerox Blueprint) & registered development agreement of the builder, conveyance seed (for new property)
  • Payment receipts or bank account statements showing all the payments made to builder/seller

Home Loan applications received for rupees ₹ 419,027 crores till 10 August 2022

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Loan Amount

Annual Income


120,17,256 loan quotes taken till now.
Home loan Interest rates starts from 6.90% for women, 6.95% for Others.

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Interest rate and fees for SBI Pre Owned Home Loans

Category Home Loan (Term Loan)* Home Loan as Overdraft (Maxgain)*
Upto Rs.30 lakhs Above Rs.30 lakhs & Upto Rs.75 lakhs Above Rs.75 lakhs Above Rs.20 lakhs & Upto Rs.30 lakhs Above Rs.30 lakhs & Upto Rs.75 lakhs Above Rs.75 lakhs & Upto Rs.3 crores
Women 8.65% p.a 8.80% p.a 8.90% p.a 8.70% p.a 8.90% p.a 9.05% p.a
Others 8.70% p.a 8.85% p.a 8.95% p.a 8.75% p.a 8.95% p.a 9.10% p.a
Women 8.80% p.a 8.85% p.a 9.05% p.a 8.80% p.a 9.10% p.a 9.25% p.a
Others 8.85% p.a 9.00% p.a 9.10% p.a 8.95% p.a 9.15% p.a 9.30% p.a


  1. Advocate’s fee for property search and title investigation report.
  2. Valuer’s fee for valuation report.


  1. Stamp duty payable for loan agreement and mortgage
  2. Property insurance premium
  3. Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI)
  4. Registration Fee of Rs. 50 + GST up to Rs. 5 Lakh limit; and Rs. 100 + GST for limits above Rs. 5 Lakh
    ** To be paid at actuals

Other Available SBI Home Loan Products:

SBI Home Loan calculator
SBI Home Loan Customer Care Number
SBI Home Loan Application Form Download
SBI Shaurya Home Loan

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Top Banks for Home Loans in India
Banks Interest Rates
SBI 7.55% - 8.05%
HDFC Ltd 7.55% - 8.55%
ICICI Bank 8.15% - 8.80%
LIC Housing Finance7.50% - 8.75%
PNB Housing 7.50% - 9.65%
Axis Bank 7.60% - 8.05%
Bank of Baroda 7.45% - 8.80%
Canara Bank 7.30% - 9.25%
Aadhar Home loan N.A