If you're planning to purchase your dream home in Kerala, numerous home loan options are available from top banks and financial institutions. Key lenders include HDFC, SBI, PNB Housing Finance, IIFL, Aadhar Housing Finance, and Indiabulls Housing Finance, offering interest rates starting at 8.50% with low processing fees from 0.25% + GST.

If you're interested in obtaining a home loan, consider this comparison of interest rates from various banks and housing finance companies in Kerala:

• SBI: 10% - 11.55%
• HDFC: 9.50% - 11.00%
• LIC Housing Finance: 9.70% - 11.55%
• ICICI Bank: 10.85% - 12.50%
• Kotak Mahindra Bank: 9.15% - 10.50%
• Punjab National Bank: 9.25% - 12.45%
• Bank of Baroda: 10.85% - 16.50%
• Union Bank of India: 10.55% - 12.85%
• IDFC First Bank: 9.00% - 20.00%
• L&T Housing Finance: 9.60%
• Bajaj Housing Finance: 9% - 14%
• Godrej Housing Finance: 8.39% - 10.99%
• Tata Capital: 10.10%
• Federal Bank: 12.60%

Additionally, it's possible to explore the best loan against property interest rates online.

To help in making an informed decision, here's a list of top home loan options in Kerala offered by different lenders:

1. PNB Housing Finance Limited: Starting from Rs 8 lakh with a processing time of roughly 10 days. A minimum interest rate of 8.50% is available for salaried and self-employed professionals with a CIBIL score above 800.
2. HDFC: Offers different loan slabs based on the amount needed, with special interest rates for women applicants, offering superb benefits if a co-applicant is a woman.
3. LIC Housing Finance Limited: Provides seven types of home loans with rates starting from 8.35% - 10.50% for individuals with a CIBIL score above 800.
4. Bajaj Housing Finance: Supplies appealing interest rates from 8.50% - 15.00% for salaried and professional individuals, along with quick processing and minimal documentation.
5. Aadhar Housing Finance: Offers 13 types of home-related loans in Kerala with competitive interest rates.

These are just several options amongst the numerous lenders available in Kerala. Consider comparing the interest rates, processing fees, and other terms before finalizing your home loan.

Apart from home loans, various mortgage loan types such as loan against property, home improvement loans, home extension loans, land purchase loans, and house construction loans are also available in Kerala.

Eligibility for a home loan in Kerala entails criteria like Indian nationality, age between 21 and 70, at least 3 years of work experience for salaried and self-employed individuals, and a CIBIL score of 750 and above.

The documents needed for a home loan in Kerala include proof of identity, address, income, bank statements, and property-related documents.

Whether you're a government or non-government employee, banks and NBFCs offer home loan options tailored to your particular requirements. Use these financial products to realize your dream home in Kerala.