Check Home Loan Interest Rates Bank Name LAupto_30lacs Loan Amount Loan Tenure
Bank Name State Bank Of India
Floating Interest rate 10.25%
Processing Fee 0.50% of loan amount with a cap of Rs.10,000 + service tax
Prepayment Charges N.A
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HDFC Ltd
10.25%
If 25% of outstanding amount is 0.5% plus applicable service tax and paid within 3 years - No Penalty , cess otherwise 2% of outstanding amount 0.5 % -1% 2% of out standing Payment NIL If Balance Transfer then 2% Otherwise Nil 2%
LIC Housing AXIS Bank IDBI
9.90%
10.25% (Upto 25Lacs),Then 1% of the loan amount + applicable 10.50% taxes 10.50% Up to 1%of loan amount (Rs 2500 to be collected at login and balance at the time of sanction ) 5000 + 10.30% (service tax) (Upto 20Lacs) 5000 + 10.30% (service tax) (Above 20Lacs) 0.5%
ING Vysya
10%
Standard Chartered
10.15%
2.5% If 20% of outstanding amount is paid every year -No Penalty , otherwise 2% of outstanding amount 2% up to 90% no charges after that 2.5%
DHFL
10.50%
0.5% - 1%(basis on profile)
Citibank Deutsche Bank Allahabad Bank Union Bank of India Bank of Baroda Central Bank of India Corporation Bank
10% - 10.75% 9.75% - 10% 12.00% 11.00% 11.00% 10.75% 10.75%
0.5%+Service tax 10000 + Service Tax
2% of Outstanding Balance only in 0.50% of loan amount, Maximum case of takeover Rs. 10,000/0.25% of loan amount subject to a maximum of Rs.15000/- plus service tax as applicable N.A 0.50 % of loan amount, maximum Rs.20,000 Upto Rs.5 lakhs 0.50% of loan subject to min. Rs.1,000/- & max. Rs.2,500/Above Rs.5 lakhs & upto Rs.15 lakhs 0.50% of loan subject to min. Rs.2,500/- & max. Rs.7,500/Above Rs.15 lakhs & upto Rs.20 lakhs 0.50% of loan subject to min. N.A N.A N.A N.A
Rs.7,500/- & max. Rs.10,000/Above Rs.20 lakhs 0.50% of loan subject to min. Rs.10,000/- & max. Rs.50,000/UCO Bank Canara Bank Kotak Bank Dena Bank Punjab National Bank Deutsche Post Housing Finance 11.75% - 12.25% 11.00% 10.25% - 10.50% 11.50% - 12% 10.50% 9.50% (for Salaried / SEP) , 10.25% (For Self Employed) (Upto 25Lacs), Then 9.75% (for Salaried / SEP) , 10.50% (For Self Employed) 10.50% - 10.75% 0.25% - 0.5% N.A 2% of Principal Outstanding + 2% on amount prepaid in last 12 months N.A N.A N.A
0.5%
Nil
Barclays Bank
0.5% upto 30lacs - 2,500 + 10.30% (service tax) above 30lacs to 1.5Cr - 5,000 + 10.30%(service tax) Above 1.5Cr - 10,000 + 10.30% (service tax) 0.50%
3%
India Bulls
9.75%
2%-3%
Federal Bank
10.47% - 10.97%
HSBC Bank
10% - 13%
Dhanalakshmi Bank
9.75%
Indian Bank
11.50%
Home Loan Rate of Interest
1% of the loan amount applied for, subject to a minimum of Rs 10000 25%of the original loan amount plus service tax. This fee is payable free for every financial year on application and is not refundable 25% of outstanding loan amount 0.50% is paid every financial year without charges. 1) No pre-closure charges, if loan is closed out of own funds. 1) 0.25 % on Loan amount (Non 2) 2% on Balance outstanding or refundable) (to be remitted at the applicable Drawing Limit time of submission of application) whichever is higher, if loan is 2) 0.32 % on Loan amount (at the closed by way of take over by time of acceptance of sanction) another Bank / Financial Institution.
( Last edited on : 23 May 2011 ) Bank
State Bank Of India
Interest Rates 10.25% 11%
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ICICI Bank
10% 10.75% 10.25%-11% 9.90% 10.75% 10.25% 11% 9.75% 10.25% 10.50% 11.75% 10.50% 12%
HDFC Ltd
LIC Housing
DHFL
India Bulls
Union Bank of India
Bank of Baroda
Special Schemes Axis Bank : Offers Free Property and Personal Accident Insurance with Home loan Bank of Baroda : Offers No processing fees for Home Loan and Take over HDFC : Offers a Choice to choose your loan as Partly Fixed or Partly Floating. HDFC has launched Dual Rate Home Loans - a new limited period 8.25% fixed interest rate product. GIC : launches Home Guard Loans a unique Home Loan with option of life insurance. ICICI : Offers Free Personal Accident Insurance with Home loan Kotak Bank : Offers Free Personal Accident cover with Home Loan. DHFL : Offers "Samarth" a unique home loan plan for the self employed. LIC : Offers "Fix-O-Floaty" loans at a competitive rate of 8.90 % fixed up to March 31, 2012, for loans up to Rs. 1.50 crore & thereafter on floating basis. Another new product "Advantage 5" offers fixed rate of interest at 9.25% for 5 years & thereafter on floating basis. SBI : Launched new product Easy Home Loan which offers interest rate 8.5% p.a. for loan up to 75 Lac for the first year and 9.25 percent for the next two years. Standard chartered Bank : NO Guarantors required for taking a Home Loan
