Home loan rate 8% or below: 10 banks offering lower interest rate to borrowers; check latest EMI on 30 lakh home loan

RBI's repo rate cuts in 2025, totaling 50 basis points, have lowered home loan interest rates below 8%. This reduction, following previous rate hikes, makes buying a home more affordable. Several public sector banks now offer floating-rate home loans with attractive interest rates, impacting EMIs based on credit score, benchmark rates, and loan amount.