Talking about the currently available market schemes, there isn’t just one but many Home Loan schemes available. However, propagating either of the schemes as best in terms of Home Loan interest rates would be wrong. As per the market trend, if you are planning to take a Home Loan you can expect the interest rate in between 8% per annum to 14% per annum depending on where you are applying and whether or not you are eligible for the loan. In case you don’t have adequate creditworthiness, the interest rate may be higher than the given range. Furthermore, the interest rate applicable for a particular applicant depends on numerous factors like the amount you are seeking to borrow, the loan repayment tenor, your CIBIL score, your credit history etc. So, I would suggest you to create a list of prospective lenders and send them an inquiry email asking them to share their proposal based on the data you share.
Further, as a suggestion I would advise you to be cautious while choosing a Home Loan. Make sure you consider the reputation as a crucial factor while evaluating Home Loan schemes. Money lending is a risky business and the sector is full of frauds. There might be some lenders offering Home Loan at a very low interest rate but their credibility might not be up to the mark. Hence, don’t forget to check reviews of the lenders before proceeding. You can refer to the online reviews on social media websites or follow the review forums.