Home loan interest rates in Mizoram range from 8.35% to 10.5% p.a. in 2026, based on the bank's RLLR/MCLR. The maximum LTV is 75% for loans above ₹75 lakh. Buyers in Mizoram can also avail PMAY interest subsidy up to ₹2.67 lakh for first-time homebuyers (EWS/LIG). Tax benefit: up to ₹2L interest (Section 24b) + ₹1.5L principal (Section 80C) per year.
Last updated: 2026-04-07
Home Loan Rates Rates & Rules — Mizoram
Parameter
Value — Mizoram
Typical Interest Rate (2026)
8.35%–10.5% p.a.
LTV Ratio
Up to 75% for loans above ₹75L; 80% for ₹30–75L; 90% below ₹30L
PMAY Subsidy
Up to ₹2.67L under PMAY (EWS/LIG); ₹2.35L for MIG
Processing Fee
0.25%–1% of loan amount
Tax Benefit
Principal: Section 80C up to ₹1.5L; Interest: Section 24(b) up to ₹2L
Notes
Home loan rates are set by banks/NBFCs nationally; state-specific variation is minimal. Circle rate affects loan eligibility.
Typical Interest Rate (2026)
8.35%–10.5% p.a.
LTV Ratio
Up to 75% for loans above ₹75L; 80% for ₹30–75L; 90% below ₹30L
PMAY Subsidy
Up to ₹2.67L under PMAY (EWS/LIG); ₹2.35L for MIG
Processing Fee
0.25%–1% of loan amount
Tax Benefit
Principal: Section 80C up to ₹1.5L; Interest: Section 24(b) up to ₹2L
Notes
Home loan rates are set by banks/NBFCs nationally; state-specific variation is minimal. Circle rate affects loan eligibility.
CalcCrack earns a commission when you apply through this link — at no extra cost to you.
Frequently Asked Questions
What are the Home Loan Rates rules in Mizoram in 2026?+
Mizoram follows state-specific regulations for Home Loan Rates. The rules are governed by the Mizoram state government and applicable central legislation. Use the calculator above to compute exact values based on Mizoram's current rates and slabs. Rates may be revised in the annual state budget.
Is Home Loan Rates different in Mizoram compared to other states?+
Yes. Home Loan Rates varies significantly across Indian states because it is governed by state legislation (except EPF/Gratuity which are central). Mizoram's rates, slabs, and exemptions are unique and set independently of other states. Always verify with the official Mizoram government portal for the latest rates.
Where can I find official Home Loan Rates information for Mizoram?+
The official source for Home Loan Rates in Mizoram is the state government's revenue/finance department website or the relevant statutory authority. For property-related taxes, check the Mizoram Registration & Stamps Department. For employment taxes, check the Mizoram Labour Department or Commercial Tax portal.
Disclaimer: The rates, rules, and data shown for Mizoram are approximate and for informational purposes only. Tax laws, stamp duty rates, and government regulations change frequently. Always verify current rates with the official Mizoram government portal or a qualified professional before making financial or legal decisions. CalcCrack is not responsible for any decisions made based on this information. Last updated: April 2026.