how to home loan process . You can take a home loan 80 to 90 % on value of house or flat . you can get home loan subsidy through pradhan mantri awas yojana it will be credit to your home loan account . home loan subsidy amount , it will be 2.4 lakhs to 2.7 lakhs . home loan interest rates : nationalised banks home loans interest rates 6.9 % to 7.2 % MNC Banks home loans interest rates : 6.9 % up-to 30 lakhs , above 30 lakhs home loan interest rates 7.2 % . home loan interest rates depend on your cibil score and your profile . it will be 7.2 % to 8 % . nonbanking finance compenice home loan interest rates will be from 9 % up-to 14 %