Find out how to get home loan at 0 interest ?

No commercial bank or NBFC offers a true 0% interest house loan. While you can’t get 0% interest from lenders, you can do the following:

• Pick the lowest possible interest rate by comparing banks and negotiating.

• Maintain a high credit score (750+) for better pricing.

• Make higher down payments to reduce total interest.

• Make regular part-prepayments to cut principal faster and lower interest outgo.

• Consider a balance transfer if another lender offers a lower rate.

This is all about how to get home loan at 0 interest.

.

Firstly, be clear, you cannot legally get a home loan at 0% interest from banks or NBFCs. Loan interest is how lenders earn money. Zero-interest home loans do not exist under standard banking rules today. 

• In India, home loan interest rates (the annual percentage charged on your borrowed amount) typically range from 7% to 9%+ per annum, depending on the bank, credit score, tenure, and economic conditions.

• There is no legitimate bank program that lends at 0% interest. Even “no-cost” mortgage options still embed costs in a higher interest rate or added principal components.

How can I Get Home Loan at 0 Interest?

No. When financial sites and planners talk about “making your home loan interest-free,” they usually mean neutralising the interest you pay with smart investing, not that the bank actually charges zero interest. For example:

• If you invest regularly (e.g., through an SIP in mutual funds) with disciplined contributions over your loan tenure, the returns from those investments can accumulate enough to cover most or all of the interest you’ll pay on the loan.

• With disciplined SIP investing at long-term returns higher than your loan interest rate, you can amass a portfolio that offsets the total interest outflow. It effectively makes the loan interest burden neutral in your overall financial picture.

This strategy doesn’t stop the bank from charging interest. It just ensures your investment growth matches or exceeds the interest cost you’ll pay, meaning your net financial position after the loan may feel like you paid no interest. Hope this helps you.

.

With interest rates increasing day by day, it gets confusing to pick the best housing loan. Ideally, the loan with the least interest rate will be the most favourable for anyone. With high-interest rate rates, you will have to pay a higher interest amount. Keep reading to know if a home loan without interest exists or not. I'm sure my answer will help you out. 

After long and tedious research, I realised that 0 interest home loan do not exist in reality. There is no bank or housing finance company that gives their customers loans with zero interest. Traditionally, lenders finance 75%-90% of the total property cost and the rest is borne by the customer. 

Since you can’t get any 0 interest home loans India. I would recommend doing the next best thing which is comparing home loans offered by financial institutions and picking the one with the least interest rate. You should also look at other features while availing of a loan. like flexible tenure, affordable EMI, documentation, etc.

Before you dream about a home loan 0 interest rate. You should use the EMI calculator and have an idea about what loan tenure will suit you. 

 [widget_emi_calci]

Since there is no 0 interest home loan in the traditional sense. You can get a home loan without interest by asking your family or friends for the loan. Just discuss the terms with them and make sure to mention important details like tenure. You can speak to retailers as well and ask if they are willing to provide 0 interest loans for homes. 

This is all from my end on 0 interest home loans India.

Read more :