A home loan makes property ownership accessible to most Indians. With loan tenures up to 30 years and tax benefits on both principal and interest, it is one of the most tax-efficient borrowing tools available.

Home loan interest rates from leading lenders range from 8.5% to 10.5% per annum. SBI, HDFC Bank, and ICICI Bank typically offer the most competitive rates for salaried employees with CIBIL scores above 750.

Section 80C: Deduction of up to ₹1.5 lakh on principal repayment.
Section 24(b): Deduction of up to ₹2 lakh on interest for self-occupied property.

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