Bank Name
|
Floating Interest rate
|
Processing Fee |
Prepayment Charges |
| State Bank Of
India |
10.75% |
Up to 25 lacs 0.25%
26-75 lacs : 10,000
75 & above : 20,000 |
N.A |
| ICICI Bank |
Scheme I :10.50% (Fixed 1 yr)
Scheme II : 10.75% (Fixed 2yrs)
Scheme III : 10.75% (Fixed 3yrs),
then 10.50% |
0.50% of loan amount upto 1 crore |
N.A |
| HDFC Ltd |
Scheme I : 10.75% (Fixed for 3 yrs )
Scheme II : 11.25% (Fixed for 5 yrs )
, After that 10.50% rate or then applicable rate. |
0.5% or maximum 10,000+service tax (10.30%) |
No prepayment charges shall be payable for partial or
full prepayments irrespective of the source |
| HSBC
Bank |
11% - Regular Home Loan
11.50% - Smart Home |
INR 10,000 plus service tax & cess |
NIL up to 25% of the loan amount sanctioned in every
financial year and at a pre-payment charge of 3% for any excess amount.
|
| LIC
Housing |
Scheme I : 10.40%
Scheme II : 10.70% (Fixed for 3 yrs)
Scheme III : 11.15% (fixed for 5 yrs) |
Up to 30 lacs : 10,000+ 10.30%(Service tax)
30 - 50 lacs : 15,000+10.30%(service tax)
50 & above : 20,000+10.30%( Service tax) |
2% of out standing Payment |
| AXIS Bank |
Scheme I :11.75% (Fixed for 20 yrs)
Scheme II : 10.75% (Upto 25Lacs),Then 11% |
1% of the loan amount + applicable taxes |
2% (For Scheme I)
Nil (For Scheme II) |
| IDBI |
11% (Upto 25Lacs), Then 11.50% - 11.75% |
Up to 1%of loan amount
(Rs 2500 to be collected at login and balance at the time of sanction )
|
If Balance Transfer then 2% Otherwise Nil |
| ING
Vysya |
10.75% |
5000 + 10.30% (service tax) (Upto 20Lacs)
5000 + 10.30% (service tax) (Above 20Lacs) |
2% |
| Standard
Chartered |
10.75% - 11.25% |
0.5% |
2.5% |
| DHFL |
11.50% |
0.5% - 1%(basis on profile) |
If 25% of outstanding amount is paid every year -No
Penalty , otherwise 2% of outstanding amount |
| Citibank |
10.50% (Upto 25Lacs), then 11% |
0.5%+Service tax |
2% |
| Deutsche
Bank |
10.50% - 11% |
10000 + Service Tax |
up to 90% no charges after that 2.5% |
| India
Bulls |
10.50% (Upto 25Lacs), Then 11% |
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) |
2%-3% |
| Allahabad
Bank |
12.75% |
0.50% of loan amount, Maximum Rs. 10,000/- |
N.A |
| Bank
of Maharastra |
11.20% |
N.A |
N.A |
| Central
Bank of India |
11.75% |
0.50 % of loan amount, maximum Rs.20,000 |
N.A |
| Corporation
Bank |
11.75% (Upto 25Lacs), then 12% |
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. 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/- |
N.A |
| Bank
of India |
11% (Upto 25 Lacs), Then 11.75% |
For loans upto Rs.30 lacs One time @ 0.55% of loan amount
min. Rs. 3000/- and max. Rs.10000/-
For Loan over Rs.30 Lacs upto Rs.50 lacs � One time flat Rs.15,000/-
For Loan over Rs.50 Lacs upto Rs.1.00 crore � One time flat Rs.20,000/- |
2.25% of outstanding loan amount. |
| Union
Bank of India |
11.75% |
0.25% of loan amount subject to a maximum of Rs.15000/-
plus service tax as applicable
|
N.A |
| United
Bank of India |
12.10% |
0.50% of the loan amount
|
N.A |
| UCO
Bank |
12.25% - 12.75% |
- |
N.A |
| Bank
of Baroda |
11.75% |
N.A |
N.A |
| Canara
Bank |
11.75% |
|
|
| Oriental
Bank of Commerce |
11.50% |
Nil for fresh Loans upto Rs.20.00 lac,
For Loans above Rs.20.00 lacs 0.50% of the loan amount subject to a
maximum of Rs.12,500/- |
N.A |
| Kotak
Bank |
11.25%( for Salaried), 11.50%( for Self Employed) |
0.25% - 0.5% |
2% of Principal Outstanding + 2% on amount prepaid in
last 12 months |
| Dena
Bank |
11.15% (Upto 25Lacs), Then 11.75% - 12.25% |
N.A |
N.A |
| Punjab
National Bank |
11.75% |
|
|
| First
Blue Home Finance |
10.50% (for Salaried / SEP), 11% (For Self Employed)
(Upto 25Lacs), Then 10.75% (for Salaried / SEP), 11.25% (For Self
Employed) |
Salaried - 0.5% or 6000 whichever is less plus doc
charges plus taxes (upto 25 lacs), 0.5% or 10000 whichever is less plus
doc charges plus taxes (25-75 lacs), 0.5% or 15000 whichever is less
plus doc charges plus taxes (above 75 lacs).
Self Employed
- 0.5% plus doc charges plus taxes. |
Nil |
| Vijaya
Bank |
11.50% |
N.A |
N.A |
| Syndicate
Bank |
11% (Upto 25 Lacs), Then 12.50% |
N.A |
N.A |
| Indian
Overseas Bank |
11.50% |
N.A |
N.A |
| Barclays
Bank |
11% - 11.25% |
0.25%( for salaried ) , 0.50%( for Self employed) |
3% |
| Reliance |
11% |
|
|
| Federal
Bank |
10.78% |
0.50% |
|
| PNB
Housing Finance |
10.75% (Salaried/SEP) , 11.25%(SENP) |
0.5% |
2% |
| Development
Credit Bank |
11.50% |
0.5% |
If 25% of outstanding amount is paid within 3 years -
No Penalty , otherwise 2% of outstanding amount |
| State
Bank of Travancore |
11.25% |
Nil |
2% of the outstanding loan amount |
| Tata
capital Housing Finance ltd |
10.75% |
0.5 to 1% off the loan amount. |
N.A |
| Dhanalakshmi
Bank |
12.25% (Uto 25Lacs), then 12.75% |
a) Loans Upto Rs 20 lacs -Rs 3500 plus service tax
b) Loans > Rs 20 lacs - Rs 5000 plus service tax |
25% of outstanding loan amount is paid every financial
year without charges. |
| Indian
Bank |
11.25% |
1) 0.25 % on Loan amount (Non refundable) (to be remitted
at the time of submission of application)
2) 0.32 % on Loan amount (at the time of acceptance of sanction) |
1) No pre-closure charges, if loan is closed out of own
funds.
2) 2% on Balance outstanding or applicable Drawing Limit whichever is
higher, if loan is closed by way of take over by another Bank /
Financial Institution. |
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