The best methods to get cheap and affordable home loans in India are:
Keep your credit scores somewhere around 900 as high credit scores say a lot about the positive credit behavior. People with high credit scores pay less interest rates on their home loans.
Refinance your home loan by using the service of home loan balance transfer when your current bank charges a high rate of interest from you.
Apply for a joint home loan with your wife as the majority of banks offer lower interest rates to women.
Raise your home down payment to ensure you don’t pay higher rates of interest on a huge amount of home loan.