Home Loans

Power Advantage Home Loan Scheme from Axis Bank

Wed, 01/06/2010 - 06:51 — admin

The Home Loan market is getting hotter with each new scheme launched by the biggies in the space. And it seems the dual rate game is here to stay.

Axis bank has just launched ‘Power Advantage Home Loan’ scheme- wherein customers can lock in their home loan rates at 8.25 per cent for the first two years followed by a floating rate.

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After SBI, now HDFC also launches a dual rate home loan scheme

Wed, 12/02/2009 - 03:55 — admin

HDFC has followed SBI in launching a dual rate offer for Home Loans.

SBI had offered- 8% for 1st Year | 8.5% for 2nd & 3rd years | From 4th year the consumer had a choice between fixed & floating (SBI's floating rate is 275 basis pts beloe its benchmark rate)

Now HDFC has come into the market which sounds very similar- fixed rate of 8.25% till March 2012 and then a floating rate which is 500 basis points below the PLR.

HDFC had made a lot of noise about the SBI scheme when it was launched. They had attacked the scheme as being opportunistic and a sure shot path to higher default ratio in the portfolio.

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October 2009 good month for retail loans

Tue, 11/10/2009 - 05:13 — admin

According to most lenders October 2009 was one of the best months in terms of the quantum of loan disbursed.
The acceleration in offtake of loans is primarily driven by secured lending in housing & auto loan sectors and unsecured lending (personal loans) is yet to pick up to its previous volumes.

The increase is attributed to rising salaries in India Inc & the pent up demand for homes & cars- most people had been deferring their heavy purchases till the dark clouds of slowdown had passed.

E.g. HDFC bank disbursed retail loans worth Rs 3000 Cr in Oct 09, whereas their previous best was Rs 2700 Cr in June 2008.

Commerical real estate Loans to get costlier with RBI's the "risk weight" clause

Mon, 09/28/2009 - 04:41 — admin

Commerical property loans will see a northward movement with the new RBI guidelines wherein the risk load has been increased.

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Loan charges and pricing to be more transparent

Wed, 09/23/2009 - 03:51 — admin

The Banking Codes and Standards Board of India has issued a directive to all its commercial member banks to be more transparent with regards to retail loans.

Few specific directives that loan seekers should be aware of are:

1. Inform all those who avail Floating rate home loans, of the reference rate to which the floating rate is anchored.

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Best Home Loan Rates July 2009

Fri, 07/03/2009 - 12:27 — admin

Do find attached the Home Loan rates (according to our research) for July 2009.

BEST HOME LOAN RATES JULY 09

Best Home Loan Rates July 09
Bank	Fixed Rate	Floating Rates	Processing Fees	Pre Payment Charges
SBI	upto -5 lacs 8.50%	Up to 20lac-8%(for 1 year),-9.25%(20 to 30 lacs-9.75%(for 5 yrs),10%(for 5-15 yrs),10.25%(for 15-25 yrs);30 to 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 yrs),10.75%(for 15-25 yrs);Above 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
LIC Housing Finance	8.9%(for 3 years)	8.50%(upto 75 lacs),9.50%(above 75 lacs)	1%	2%
AXIS	N.A	9%(up to 30 lacs),9.50%(above 30 lacs)	0.50%	N.A
IDBI Bank	N.A	9%(up to 30 lacs),9.50%(above 30 lacs)	0.5%	N.A
HDFC Bank	N.A	8.75%(up to 30 lacs),9%(15-30 lacs),9.5%(above 30 lacs)	Rs.10,000/- or 0.5% of loan amount (whichever is lesser) + Service Tax	If 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
Standard Chartered	N.A	9.25%(up to 3 crore),9%(above 3 crore)	0.5%	2%
Vijaya Bank	N.A	up to 5 years 9.25%(up to 30 lacs ),10%(above 30 lacs),Up to 10 years 9.50%(up to 30 lacs),10.25%(above 30 lacs),Up to 15 years 9.75%(up to 30 lacs),10.50%(above 30 lacs),Up to 20 years 10%(up to 30 lacs),10.75%(above 30 lacs)	-	-
Deutsche Post Bank	N.A	9%(up to 30 lacs),9.75%(above 30 lacs)	10000+10.30%	0%
Ing Vysya	N.A	9.25%(up to 20 lacs),9.75%(up to 30 lacs),10.75%(above 30 lacs)	0.5% of Loan amount + Rs.500 + Service Tax (10.30%)	2%
DHFL	N.A	For Salaried 9.75%(up to 30 lacs),10.75%(above 30 lacs) For Self Employed 12.25%	0.75%	Before 5 years -2%,For Balance Transfer -3%
ICICI Bank Ltd	N.A	9.25%(below 30 lacs),9.75%(above 30 lacs)	0.5%	2%
Bank of Baroda	Up to 5 years9.50%(up to 30 lacs),10.25%(above 30 lacs),Over 5years--Up to 10 years 9.75%(up to 30 lacs),10.50%(above 30 lacs),Over 10 years-Up to 15 years 10%(up to 30 lacs),10.75%(above 30 lacs)	Up to 5 years 8.50%(up to 30 lacs),9.25%(above 30 lacs-50 lacs),9.75%(above 50 lacs),Over 5 years up to 15 years-8.75%(up to 30 lacs),9.50%(above 30 lacs-50 lacs),10.25%(above 50 lacs),Over 15 years up to 25 years-9%(up to 30 lacs),9.75%(above 30 -50 lacs	-	2%

Disclaimer: The actual rate(s) offered to you might differ from the ones quoted here. The above information has been collected from market sources and the authenticity of the same is not guaranteed by Deal4Loans.

See the Home Loan Rates for June 09

BEST HOME LOAN RATES JUNE 2009

Best Home loan Rate June 2009
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre Payment Charges
LIC Housing	12.25%	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	1%	2%
IDBI Bank	N.A	9.25%(up to 30 lacs),9.75%(above 30 lacs)	10000 (up to 20 lacs)	N.A
HDFC	N.A	Salaried:9.5%(upto 30 lacs),10.5%(above 30 lacs) ; For Self Employed : 9.75%(up to 30 lacs) 10.75%(above 30 lacs)	Rs.10000/- or 0.5% of loan amount(whichever is lesser) + Service Tax	If 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amoun
SBI Bank	upto -5 lacs 8.50%	8%(for 1 year);upto 20 lacs-9.25%;20 to 30 lacs-9.75%(for 5 yrs),10%(for 5-15 yrs),10.25%(for 15-25 yrs);30 to 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 yrs),10.75%(for 15-25 yrs);Above 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
AXIS	N.A	9.25%(up to 30 lacs),10.25%(above 30 lacs)	0.50%	N.A
DHFL	N.A	For Salaried 9.75%(upto 30 lacs) & 10.75%(above 30 lacs),For Self Employed: 12.25%	1%	5%(upto 5 years),2%(above 5 years),If balance transfer 5%
ING Vysya	12%	9.25%(up to 20 lacs),9.75%(above 20 lacs)	1%	2%
ICICI Home finance	N.A	9.75%(up to 20 lacs),10%(between 20-30 lacs),11.5%(above 30 lacs)	0.5%	2%(Full payment), No Penalty (Part Payment)
Citi Bank	N.A	9.75%-10.25%	0.5%	3%
Deutsche Post Bank	N.A	9%(up to 75% funding),9.25%(up to 85% of funding)	5500+10.30% service tax ( below 30 lacs),10,000+10.30%service tax(above 30 lacs)	0%
SCB	N.A	9.5%	0.25%(for salaried),0.5%(for self employed)	2%
Union Bank	8.5%	8.5%(up to 5 lacs),9.25%(up to 20 lacs)),9.75%(between 20-30 lacs)	0.5%	2%
Canara Bank	8.50%(up to 5lacs)	8.50%(up to 5 lacs).9.25%(up to 30 lacs),10%(above 30 lacs)	0.5%	2%

See the Home Loan Rates for May 09

BEST HOME LOAN RATES MAY 2009

Best Home loan Rates May 2009
Bank	Fixed Rate	Floating Rate	Processing fees	Pre Payment Charges
LIC Housing Finance	12.25%	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	1%	2%
HDFC Bank	N.A	Salaried & Self Employed Professionals:9.5%(upto 30 lacs),10.5%(above 30 lacs) ; For Self Employed : 9.75%(up to 30 lacs) 10.75%(above 30 lacs)	Rs.10000/- or 0.5% of loan amount(whichever is lesser) + Service Tax	If 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
DHFL	N.A	For Salaried 9.75%(above 30 lacs) & 10.75%(above 30 lacs),For Self Employed: 12.25%	1%	5%(upto 5 years),2%(above 5 years),If balance transfer 5%
ING VYSYA	N.A	9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)	0.5% of Loan amount + Rs.500 + Service Tax(10.30%)	2%-4%
SBI Bank	upto -5 lacs 8.50%	8%(for 1 year);upto 20 lacs-9.25%;20 to 30 lacs-9.75%(for 5 yrs),10%(for 5-15 yrs),10.25%(for 15-25 yrs);30 to 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 yrs),10.75%(for 15-25 yrs);Above 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
AXIS Bank	N.A	9.25%(up to 30 lacs),10.25%(above 30 lacs)	0.50%	N.A
Standard Chartered Bank	N.A	9.5% - 10%	.25% - .5% of loan amount	2%
ICICI Home Finance	N.A	upto 20 lacs - 9.75%, Above 20 lacs to 30 lacs - 10.00%, Above 30 lacs - 11.50%	0.5%	2%(Full payment), No Penalty (Part Payment)
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5	2%
Dena	N.A	11.75%	0.5%	2%
IDBI bank	N.A	9.25%(up to 30 lacs),9.75%(above 30 lacs)	10000 (up to 20 lacs)	N.A
Citi Bank	-	-	-	-
Federal Bank	N.A	10%	0.5%	2%
Kotak	-	-	-	-
ICICI Bank Ltd	-	-	-	-
Barclays Bank	N.A	10%(up to 20 lacs),10.5%(above 20 lacs)	0.25%	2%
Deutsche Post Bank	N.A	9.5%(up to 20 lacs),9.75%(Between 20 lacs-30 lacs),10.25%(above 30 lacs)	0.5% of Loan amount + Rs.500 + Service Tax(10.30%)	2%-4%
UNION Bank	N.A	10.75%	0.5%	2%

See the Home Loan Rates for April 09

BEST HOME LOAN RATES APRIL 2009

Best Home loan Rates April 2009
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre Payment Charges
LIC Housing Finance	12.25%	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	1%	2%
HDFC	N.A	Salaried & Self Employed Professionals:9.5%(upto 30 lacs),10.5%(above 30 lacs) ; For Self Employed : 9.75%(up to 30 lacs) 10.75%(above 30 lacs)	Rs.10000/- or 0.5% of loan amount(whichever is lesser) + Service Tax	If 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
DHFL	N.A	For Salaried 9.75%(below15 lacs) & 10.75%(above 15 lacs),For Self Employed: 10.75%(below 15 lacs),11.75%(above 15 lacs)	1%	5%(upto 5 years),2%(above 5 years),If balance transfer 3%
ING Vysya	N.A	9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)	0.5%	N.A
Deutsche	N.A	9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)	0.5% of Loan amount + Rs.500 + Service Tax(10.30%)	2%-4%
Union Bank	N.A	10.75%	0.5%	2%
IDBI Bank Ltd.	N.A	9.25%(less than 20 lacs),10.75% (above 20 lacs)	9.25%(less than 20 lacs),10.75% (above 20 lacs)	N.A
SBI	upto 5 lacs - 8.50%	8%(for 1 year);upto 20 lacs-9.25%;20 to 30 lacs-9.75%(for 5 yrs),10%(for 5-15 yrs),10.25%(for 15-25 yrs);30 to 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 yrs),10.75%(for 15-25 yrs);Above 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
Barclays Bank	N.A	10%(up to 20 lacs),10.5%(above 20 lacs)	0.25%	2%
Dena	N.A	11.75%	0.5%	2%
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5%	2%
ICICI Home Finance	N.A	upto 20 lacs - 9.75%, Above 20 lacs to 30 lacs - 10.00%, Above 30 lacs - 11.50%	0.5%	2%(Full payment), No Penalty (Part Payment)
ICICI Bank Ltd	16%	Upto 20 lacs - 11.25%, Above 20 lacs - 12.75%	0.5%	2%
Kotak	N.A	Salaried:11% - 11.5% ; Semp:11.5% - 12%	0.5%	2%
Axis Bank	N.A	9.75%(up to 30 lacs),10.50%(up to 1 crore),10.75%(above 1 crore)	0.50%	N.A
Citi Bank	N.A	10.75%-11.25%	0.25%-0.5%	2%-4%
Federal Bank	N.A	10%	0.5%	2%
Standard Chartered Bank	N.A.	9.5% - 10%	.25% - .5% of loan amount	2%

See the Home Loan Rates for March 09

BEST HOME LOAN RATES MARCH 2009

Best Home Loan Rates 2009
Bank	Fixed Rate	Floating Rate	Processing Fee	Pre Payment Charges
DHFL	N.A	For Salaried 9.75%(below15 lacs) & 10.75%(above 15 lacs),For Self Employed: 10.75%(below 15 lacs),11.75%(above 15 lacs)	1%	5%(upto 5 years),2%(above 5 years),If balance transfer 3%
LIC Housing Finance	12.25%	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	1%	2%
HDFC	N.A	Salaried & Self Employed Professionals:9.5%(upto 30 lacs),10.5%(above 30 lacs) ; Self Employed Non-Professionals: 10% (Upto 30 Lacs), 11% (Above 30 Lacs)	Rs.10000/- or 0.5% of loan amount(whichever is lesser) + Service Tax	If 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
ING Vysya	N.A	9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)	0.5%	N.A
Deutsche	N.A	9.75%(Below 20 lacs),10.25%(20-30 lacs),10.95%(30 lacs & above)	0.5% of Loan amount + Rs.500 + Service Tax(12.36%)	2%-4%
Union Bank	N.A	10.75%	0.5%	2%
IDBI Bank Ltd.	N.A	9.25%(less than 20 lacs),10.75% (above 20 lacs)	10000 upto 20 lacs	N.A
SBI	upto 5 lacs - 8.50%	8%(for 1 year);upto 20 lacs-9.25%;20 to 30 lacs-9.75%(for 5 yrs),10%(for 5-15 yrs),10.25%(for 15-25 yrs);30 to 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 yrs),10.75%(for 15-25 yrs);Above 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
Dena	N.A	11.75%	0.5%	2%
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5%	2%
ICICI Home Finance	-	upto 20 lacs - 9.75%, Above 20 lacs to 30 lacs - 10.00%, Above 30 lacs - 11.50%	0.5%	2%(Full payment), No Penalty (Part Payment)
ICICI Bank Ltd.	16%	Upto 20 lacs - 11.25%, Above 20 lacs - 12.75%	.5%	2%
Kotak	-	Salaried:11% - 11.5% ; Semp:11.5% - 12%	0.5%	2%

See the Home Loan Rates for January 09

BEST HOME LOAN RATES FEB 2009

Best Home Loan Rates FEB 2009
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre Closure Charges
IDBI Bank	N.A	9.25%(less than 20 lacs),10.75% (above 20 lacs)	10000 upto 20 lacs	N.A
AXIS	N.A	9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases	0.5%	N.A
HDFC	14%(for 1 to 20Yrs)	Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)	0.5%	2%
Deutsche	N.A	9.75%(Below 20 lacs),10.25%(20-30 lacs),10.95%(30 lacs & above)	0.5% of Loan amount + Rs.500 + Service Tax(12.36%)	2%-4%
IDBI Home Finance	14%	9.75%(Below 20 lacs),10.75%(20 lacs & above)	0.5% of Loan amount + Service Tax(12.36%)	N.A
LIC Housing	13%(for 2 years),14%(for 5 years)	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	0.5%	2%
Dena	N.A	11.25%	0.5%	2%
Union Bank	N.A	11.25%	0.5%	2%
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5%	2%
SBI	upto 5 lacs - 8.50%	upto 20 lacs-9.25%; 20 to 30 lacs-9.75%(for 5 years),10%(for 5-15 years),10.25%(for 15-25 years);30 to 70 lacs-10.25%(for 5 years),10.50%(for 5-15 years),10.75%(for 15-25 years);Above 70 lacs-10.25%(for 5 years),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
ING VYSYA	N.A.	Below 20 lacs - 9.75% ; Above 20 lacs - 10.75%	0.5%	2%
DHFL	N.A	For Salaried 9.75%(below15 lacs) & 10.75%(above 15 lacs),For Self Employed: 10.75%(below 15 lacs),11.75%(above 15 lacs)	0.5%	2%

See the Home Loan Rates for January 09

Best Home Loan Rates January 2009

Best Home Loan Rates January 2009
Bank	Fixed Rate	Floating Rate	Processing Fee	Pre-Closure Charges
IDBI	N.A	9.25%(below 20 lacs) & 10.75%(above 20 lacs)	10000 (upto 20 lacs)	N.A
HDFC	14%(for 1 to 20Yrs)	Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)	0.5%	2%
AXIS	N.A	9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases	0.5%	N.A
LIC Housing	13%(for 2 years),14%(for 5 years)	9.25%(Upto 20 lacs for 5 years),9.75%(upto 20 lacs for 6-20 years),11%(above 20 lacs),9.75%(upto 30 lacs),10.75%(30-75 lacs),11.25%(above 75 lacs)	0.5%	2%
State Bank of Hyderabad	N.A	9.25%(up to 20 lacs),9.75%(above 20 lacs)	0.5%	2%-3%
SCB	11.75%	N.A	0.5%	2.5%
Deutsche	N.A	11.75%	0.5%(For selfemployed), 0.25%(for Salaried)	2%
HSBC	N.A	12.5%	0.5%	25% of the Principal amount without penalty & after that 2.5%
ING VYSYA	N.A	10%(upto 20 lacs),10.75%(above 20 lacs)	11236/-	2%
SBI	11.25%(for 10yrs,upto 30lacs),12.25%(for 10yrs,above 30lacs)	9.25%(up to 20 lacs),Upto 30 lacs : 9.75%(for 5 years),10%(for 5-15 years),10.25%(for 15-25 years)	0.5%	N.A
DHFL	N.A	11.25%	0.5%	2%
Union Bank	N.A	11.25%	0.5%	2%
Dena Bank	N.A	11.25%	0.5%	2%
UCO	N.A	11.25%	0.5%	2%
Bank of Baroda	Upto Rs30Lacs-9.50%(Upto 5yrs),9.75%(above 5yrs & upto 10Yrs),10%(above 10Yrs & upto 15Yrs)	Upto Rs30Lacs-8.50%(upto 5yrs),8.75%(above 5yrs & upto 15yrs),9%(above 15yrs & upto 25yrs)	0.35%(upto Rs.20lacs),0.40%(above Rs.20lacs)	N.A
ICICI Bank	16%(for 20yrs & below 20lacs of loan amount)	11%(for 20yrs & below 20lacs of loan amount)	0.5% to 1%	2% on the principal outstanding on full Prepayment

See the Home Loan Rates for Dec 08

Best Home Loans Rates December 08

Best Home Loan Rates December 08
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
AXIS BANk	N.A	11%	0.5%	2%
ING VYSYA	N.A	11.5%	0.5%	2%
HDFC	11.25%	11.75%(above 30 lacs)	0.5%	2%
IDBI	12.5%(for 3 years)	10.75%	0.5%	2%
ICICI	15.75%	13.25%	0.5%	2%
SCB	11.75%	12%	0.25%	2%
LIC	11.50%	11.25%	0.5%(above 30 lacs .25%)	2%
Kotak	13% - 14%	N.A	0.5%	2%

See the Home Loan Rates for Nov 08

Best Home Loans Rates November 2008

Best Home Loans Rates November
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
AXIS BANK	N.A	11.25%	0.5%	2%
ICICI	13.25%	16.75%	0.5%	2%
ING VYSYA	N.A	11.75%	0.5%	2%
HDFC	11.25%	N.A	0.5%	2%
BHW BIRLA	12%	11.5%	0.5%	2%
CITI FINANCIAL	14.5%	14.5%	0.5%	2%
G.E MONEY	N.A	13.5%	0.5%	2%
IDBI	N.A	11.5%	0.5%	2%
SCB	11.75%	N.A	0.5%	2%
LIC	N.A	Salaried:11.25% Selfemployed:11.50%	0.5%	2%

See the Home Loan Rates for Oct 08

Bank Rates for Home Loans

Home Loan Rates for October 08
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
ICICI Bank	14%	Salaried:12% Self-Employed:12.25%	.5%	2%
ING VYSYA Bank	NA	11.5% - 11.75%	.5%	2% upto 1year , No Pre- Closure charges after 1 year
HDFC Bank	Salaried & self-Employed:14.5%	Salaried:11.25% upto 30 lacs, 11.75% above 30 lacs Self-Employed:12%	.5% upto 20 lacs, Rs.11,236/- above 20 lacs	No Prepayment charges if more than 25% of the prepayed else 2% of the amount outstanding
Kotak Bank	NA	13%	.5%	3%
Standard Chartered Bank	NA	11.75%	Rs.5,618/-	2.5%
SBI Bank	12.75%	10.75% - 11.25%	.25%	2%
Birla Home Finance	Salaried & Self-Employed:14.5%	Salaried:11.75% Self-Employed:11.75% - 12%	Salaried: .5% upto 20 lacs, Rs.6,180/- above 20 lacs Self-Employed: .5%	No Prepayment charges if more than 90% of the prepayed else 2% of the amount outstanding
LIC Housing Finance	13% for 2 years , 14% for 5 years	Salaried:11.25% - 11.5% Self-Employed:11.5%	1%	2%

See the Home Loan Rates for Sep 08

Home Loan Rates Sep08

Home Loan Rates Sep08
Bank	Fixed Rate	Floating Rate	Processing Fee
Axis Bank	14%	11.3%	.5% - 1%
ICICI Bank	15.5%	12%	.5%
ING VYSYA Bank	NA	Salaried:11.25% - 11.75% Self-Employed: 12.25%	.5%
IDBI Home Finance	13% for 3 years & 13.25% for 5 years	11.5%	.5%
HDFC Bank	Salaried: 14% Self-Employed: 14%	Salaried: 11.25% Self-Employed: 12%	.5% of Loan amount below 20 lacs & Rs.11,200 above 20 lacs
Citi Financial	15%	14%	2% of Loan amount
Kotak Bank	NA	12.75% - 13%	.5% of Loan amount
Standard Charted Bank	13.5% - 14%	12.25%	.5% - 1.5% of Loan amount
L.I.C.	14%	11.25% - 11.5%	.5% of Loan amount
SBI Bank	12.75% upto 30 lacs upto 10 years; 13.75% above 30 lacs upto 10 years	11.5% - 12% upto 30 lacs; 11.75% - 12.25% above 30 lacs & upto 75 lacs; 11.75% - 12.5% above 75 lacs	.5% of Loan amount

Best Home Loan Rates June 2009

Thu, 06/04/2009 - 06:52 — admin

Do find attached the Home Loan rates (according to our research) for June 2009.

BEST HOME LOAN RATES JUNE 2009

Best Home loan Rate June 2009
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre Payment Charges
LIC Housing	12.25%	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	1%	2%
IDBI Bank	N.A	9.25%(up to 30 lacs),9.75%(above 30 lacs)	10000 (up to 20 lacs)	N.A
HDFC	N.A	Salaried:9.5%(upto 30 lacs),10.5%(above 30 lacs) ; For Self Employed : 9.75%(up to 30 lacs) 10.75%(above 30 lacs)	Rs.10000/- or 0.5% of loan amount(whichever is lesser) + Service Tax	If 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amoun
SBI Bank	upto -5 lacs 8.50%	8%(for 1 year);upto 20 lacs-9.25%;20 to 30 lacs-9.75%(for 5 yrs),10%(for 5-15 yrs),10.25%(for 15-25 yrs);30 to 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 yrs),10.75%(for 15-25 yrs);Above 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
AXIS	N.A	9.25%(up to 30 lacs),10.25%(above 30 lacs)	0.50%	N.A
DHFL	N.A	For Salaried 9.75%(upto 30 lacs) & 10.75%(above 30 lacs),For Self Employed: 12.25%	1%	5%(upto 5 years),2%(above 5 years),If balance transfer 5%
ING Vysya	12%	9.25%(up to 20 lacs),9.75%(above 20 lacs)	1%	2%
ICICI Home finance	N.A	9.75%(up to 20 lacs),10%(between 20-30 lacs),11.5%(above 30 lacs)	0.5%	2%(Full payment), No Penalty (Part Payment)
Citi Bank	N.A	9.75%-10.25%	0.5%	3%
Deutsche Post Bank	N.A	9%(up to 75% funding),9.25%(up to 85% of funding)	5500+10.30% service tax ( below 30 lacs),10,000+10.30%service tax(above 30 lacs)	0%
SCB	N.A	9.5%	0.25%(for salaried),0.5%(for self employed)	2%
Union Bank	8.5%	8.5%(up to 5 lacs),9.25%(up to 20 lacs)),9.75%(between 20-30 lacs)	0.5%	2%
Canara Bank	8.50%(up to 5lacs)	8.50%(up to 5 lacs).9.25%(up to 30 lacs),10%(above 30 lacs)	0.5%	2%

Disclaimer: The actual rate(s) offered to you might differ from the ones quoted here. The above information has been collected from market sources and the authenticity of the same is not guaranteed by Deal4Loans.

See the Home Loan Rates for May 09

BEST HOME LOAN RATES MAY 2009

Best Home loan Rates May 2009
Bank	Fixed Rate	Floating Rate	Processing fees	Pre Payment Charges
LIC Housing Finance	12.25%	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	1%	2%
HDFC Bank	N.A	Salaried & Self Employed Professionals:9.5%(upto 30 lacs),10.5%(above 30 lacs) ; For Self Employed : 9.75%(up to 30 lacs) 10.75%(above 30 lacs)	Rs.10000/- or 0.5% of loan amount(whichever is lesser) + Service Tax	If 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
DHFL	N.A	For Salaried 9.75%(above 30 lacs) & 10.75%(above 30 lacs),For Self Employed: 12.25%	1%	5%(upto 5 years),2%(above 5 years),If balance transfer 5%
ING VYSYA	N.A	9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)	0.5% of Loan amount + Rs.500 + Service Tax(10.30%)	2%-4%
SBI Bank	upto -5 lacs 8.50%	8%(for 1 year);upto 20 lacs-9.25%;20 to 30 lacs-9.75%(for 5 yrs),10%(for 5-15 yrs),10.25%(for 15-25 yrs);30 to 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 yrs),10.75%(for 15-25 yrs);Above 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
AXIS Bank	N.A	9.25%(up to 30 lacs),10.25%(above 30 lacs)	0.50%	N.A
Standard Chartered Bank	N.A	9.5% - 10%	.25% - .5% of loan amount	2%
ICICI Home Finance	N.A	upto 20 lacs - 9.75%, Above 20 lacs to 30 lacs - 10.00%, Above 30 lacs - 11.50%	0.5%	2%(Full payment), No Penalty (Part Payment)
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5	2%
Dena	N.A	11.75%	0.5%	2%
IDBI bank	N.A	9.25%(up to 30 lacs),9.75%(above 30 lacs)	10000 (up to 20 lacs)	N.A
Citi Bank	-	-	-	-
Federal Bank	N.A	10%	0.5%	2%
Kotak	-	-	-	-
ICICI Bank Ltd	-	-	-	-
Barclays Bank	N.A	10%(up to 20 lacs),10.5%(above 20 lacs)	0.25%	2%
Deutsche Post Bank	N.A	9.5%(up to 20 lacs),9.75%(Between 20 lacs-30 lacs),10.25%(above 30 lacs)	0.5% of Loan amount + Rs.500 + Service Tax(10.30%)	2%-4%
UNION Bank	N.A	10.75%	0.5%	2%

See the Home Loan Rates for April 09

BEST HOME LOAN RATES APRIL 2009

Best Home loan Rates April 2009
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre Payment Charges
LIC Housing Finance	12.25%	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	1%	2%
HDFC	N.A	Salaried & Self Employed Professionals:9.5%(upto 30 lacs),10.5%(above 30 lacs) ; For Self Employed : 9.75%(up to 30 lacs) 10.75%(above 30 lacs)	Rs.10000/- or 0.5% of loan amount(whichever is lesser) + Service Tax	If 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
DHFL	N.A	For Salaried 9.75%(below15 lacs) & 10.75%(above 15 lacs),For Self Employed: 10.75%(below 15 lacs),11.75%(above 15 lacs)	1%	5%(upto 5 years),2%(above 5 years),If balance transfer 3%
ING Vysya	N.A	9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)	0.5%	N.A
Deutsche	N.A	9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)	0.5% of Loan amount + Rs.500 + Service Tax(10.30%)	2%-4%
Union Bank	N.A	10.75%	0.5%	2%
IDBI Bank Ltd.	N.A	9.25%(less than 20 lacs),10.75% (above 20 lacs)	9.25%(less than 20 lacs),10.75% (above 20 lacs)	N.A
SBI	upto 5 lacs - 8.50%	8%(for 1 year);upto 20 lacs-9.25%;20 to 30 lacs-9.75%(for 5 yrs),10%(for 5-15 yrs),10.25%(for 15-25 yrs);30 to 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 yrs),10.75%(for 15-25 yrs);Above 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
Barclays Bank	N.A	10%(up to 20 lacs),10.5%(above 20 lacs)	0.25%	2%
Dena	N.A	11.75%	0.5%	2%
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5%	2%
ICICI Home Finance	N.A	upto 20 lacs - 9.75%, Above 20 lacs to 30 lacs - 10.00%, Above 30 lacs - 11.50%	0.5%	2%(Full payment), No Penalty (Part Payment)
ICICI Bank Ltd	16%	Upto 20 lacs - 11.25%, Above 20 lacs - 12.75%	0.5%	2%
Kotak	N.A	Salaried:11% - 11.5% ; Semp:11.5% - 12%	0.5%	2%
Axis Bank	N.A	9.75%(up to 30 lacs),10.50%(up to 1 crore),10.75%(above 1 crore)	0.50%	N.A
Citi Bank	N.A	10.75%-11.25%	0.25%-0.5%	2%-4%
Federal Bank	N.A	10%	0.5%	2%
Standard Chartered Bank	N.A.	9.5% - 10%	.25% - .5% of loan amount	2%

See the Home Loan Rates for March 09

BEST HOME LOAN RATES MARCH 2009

Best Home Loan Rates 2009
Bank	Fixed Rate	Floating Rate	Processing Fee	Pre Payment Charges
DHFL	N.A	For Salaried 9.75%(below15 lacs) & 10.75%(above 15 lacs),For Self Employed: 10.75%(below 15 lacs),11.75%(above 15 lacs)	1%	5%(upto 5 years),2%(above 5 years),If balance transfer 3%
LIC Housing Finance	12.25%	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	1%	2%
HDFC	N.A	Salaried & Self Employed Professionals:9.5%(upto 30 lacs),10.5%(above 30 lacs) ; Self Employed Non-Professionals: 10% (Upto 30 Lacs), 11% (Above 30 Lacs)	Rs.10000/- or 0.5% of loan amount(whichever is lesser) + Service Tax	If 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
ING Vysya	N.A	9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)	0.5%	N.A
Deutsche	N.A	9.75%(Below 20 lacs),10.25%(20-30 lacs),10.95%(30 lacs & above)	0.5% of Loan amount + Rs.500 + Service Tax(12.36%)	2%-4%
Union Bank	N.A	10.75%	0.5%	2%
IDBI Bank Ltd.	N.A	9.25%(less than 20 lacs),10.75% (above 20 lacs)	10000 upto 20 lacs	N.A
SBI	upto 5 lacs - 8.50%	8%(for 1 year);upto 20 lacs-9.25%;20 to 30 lacs-9.75%(for 5 yrs),10%(for 5-15 yrs),10.25%(for 15-25 yrs);30 to 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 yrs),10.75%(for 15-25 yrs);Above 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
Dena	N.A	11.75%	0.5%	2%
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5%	2%
ICICI Home Finance	-	upto 20 lacs - 9.75%, Above 20 lacs to 30 lacs - 10.00%, Above 30 lacs - 11.50%	0.5%	2%(Full payment), No Penalty (Part Payment)
ICICI Bank Ltd.	16%	Upto 20 lacs - 11.25%, Above 20 lacs - 12.75%	.5%	2%
Kotak	-	Salaried:11% - 11.5% ; Semp:11.5% - 12%	0.5%	2%

See the Home Loan Rates for January 09

BEST HOME LOAN RATES FEB 2009

Best Home Loan Rates FEB 2009
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre Closure Charges
IDBI Bank	N.A	9.25%(less than 20 lacs),10.75% (above 20 lacs)	10000 upto 20 lacs	N.A
AXIS	N.A	9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases	0.5%	N.A
HDFC	14%(for 1 to 20Yrs)	Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)	0.5%	2%
Deutsche	N.A	9.75%(Below 20 lacs),10.25%(20-30 lacs),10.95%(30 lacs & above)	0.5% of Loan amount + Rs.500 + Service Tax(12.36%)	2%-4%
IDBI Home Finance	14%	9.75%(Below 20 lacs),10.75%(20 lacs & above)	0.5% of Loan amount + Service Tax(12.36%)	N.A
LIC Housing	13%(for 2 years),14%(for 5 years)	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	0.5%	2%
Dena	N.A	11.25%	0.5%	2%
Union Bank	N.A	11.25%	0.5%	2%
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5%	2%
SBI	upto 5 lacs - 8.50%	upto 20 lacs-9.25%; 20 to 30 lacs-9.75%(for 5 years),10%(for 5-15 years),10.25%(for 15-25 years);30 to 70 lacs-10.25%(for 5 years),10.50%(for 5-15 years),10.75%(for 15-25 years);Above 70 lacs-10.25%(for 5 years),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
ING VYSYA	N.A.	Below 20 lacs - 9.75% ; Above 20 lacs - 10.75%	0.5%	2%
DHFL	N.A	For Salaried 9.75%(below15 lacs) & 10.75%(above 15 lacs),For Self Employed: 10.75%(below 15 lacs),11.75%(above 15 lacs)	0.5%	2%

See the Home Loan Rates for January 09

Best Home Loan Rates January 2009

Best Home Loan Rates January 2009
Bank	Fixed Rate	Floating Rate	Processing Fee	Pre-Closure Charges
IDBI	N.A	9.25%(below 20 lacs) & 10.75%(above 20 lacs)	10000 (upto 20 lacs)	N.A
HDFC	14%(for 1 to 20Yrs)	Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)	0.5%	2%
AXIS	N.A	9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases	0.5%	N.A
LIC Housing	13%(for 2 years),14%(for 5 years)	9.25%(Upto 20 lacs for 5 years),9.75%(upto 20 lacs for 6-20 years),11%(above 20 lacs),9.75%(upto 30 lacs),10.75%(30-75 lacs),11.25%(above 75 lacs)	0.5%	2%
State Bank of Hyderabad	N.A	9.25%(up to 20 lacs),9.75%(above 20 lacs)	0.5%	2%-3%
SCB	11.75%	N.A	0.5%	2.5%
Deutsche	N.A	11.75%	0.5%(For selfemployed), 0.25%(for Salaried)	2%
HSBC	N.A	12.5%	0.5%	25% of the Principal amount without penalty & after that 2.5%
ING VYSYA	N.A	10%(upto 20 lacs),10.75%(above 20 lacs)	11236/-	2%
SBI	11.25%(for 10yrs,upto 30lacs),12.25%(for 10yrs,above 30lacs)	9.25%(up to 20 lacs),Upto 30 lacs : 9.75%(for 5 years),10%(for 5-15 years),10.25%(for 15-25 years)	0.5%	N.A
DHFL	N.A	11.25%	0.5%	2%
Union Bank	N.A	11.25%	0.5%	2%
Dena Bank	N.A	11.25%	0.5%	2%
UCO	N.A	11.25%	0.5%	2%
Bank of Baroda	Upto Rs30Lacs-9.50%(Upto 5yrs),9.75%(above 5yrs & upto 10Yrs),10%(above 10Yrs & upto 15Yrs)	Upto Rs30Lacs-8.50%(upto 5yrs),8.75%(above 5yrs & upto 15yrs),9%(above 15yrs & upto 25yrs)	0.35%(upto Rs.20lacs),0.40%(above Rs.20lacs)	N.A
ICICI Bank	16%(for 20yrs & below 20lacs of loan amount)	11%(for 20yrs & below 20lacs of loan amount)	0.5% to 1%	2% on the principal outstanding on full Prepayment

See the Home Loan Rates for Dec 08

Best Home Loans Rates December 08

Best Home Loan Rates December 08
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
AXIS BANk	N.A	11%	0.5%	2%
ING VYSYA	N.A	11.5%	0.5%	2%
HDFC	11.25%	11.75%(above 30 lacs)	0.5%	2%
IDBI	12.5%(for 3 years)	10.75%	0.5%	2%
ICICI	15.75%	13.25%	0.5%	2%
SCB	11.75%	12%	0.25%	2%
LIC	11.50%	11.25%	0.5%(above 30 lacs .25%)	2%
Kotak	13% - 14%	N.A	0.5%	2%

See the Home Loan Rates for Nov 08

Best Home Loans Rates November 2008

Best Home Loans Rates November
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
AXIS BANK	N.A	11.25%	0.5%	2%
ICICI	13.25%	16.75%	0.5%	2%
ING VYSYA	N.A	11.75%	0.5%	2%
HDFC	11.25%	N.A	0.5%	2%
BHW BIRLA	12%	11.5%	0.5%	2%
CITI FINANCIAL	14.5%	14.5%	0.5%	2%
G.E MONEY	N.A	13.5%	0.5%	2%
IDBI	N.A	11.5%	0.5%	2%
SCB	11.75%	N.A	0.5%	2%
LIC	N.A	Salaried:11.25% Selfemployed:11.50%	0.5%	2%

See the Home Loan Rates for Oct 08

Bank Rates for Home Loans

Home Loan Rates for October 08
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
ICICI Bank	14%	Salaried:12% Self-Employed:12.25%	.5%	2%
ING VYSYA Bank	NA	11.5% - 11.75%	.5%	2% upto 1year , No Pre- Closure charges after 1 year
HDFC Bank	Salaried & self-Employed:14.5%	Salaried:11.25% upto 30 lacs, 11.75% above 30 lacs Self-Employed:12%	.5% upto 20 lacs, Rs.11,236/- above 20 lacs	No Prepayment charges if more than 25% of the prepayed else 2% of the amount outstanding
Kotak Bank	NA	13%	.5%	3%
Standard Chartered Bank	NA	11.75%	Rs.5,618/-	2.5%
SBI Bank	12.75%	10.75% - 11.25%	.25%	2%
Birla Home Finance	Salaried & Self-Employed:14.5%	Salaried:11.75% Self-Employed:11.75% - 12%	Salaried: .5% upto 20 lacs, Rs.6,180/- above 20 lacs Self-Employed: .5%	No Prepayment charges if more than 90% of the prepayed else 2% of the amount outstanding
LIC Housing Finance	13% for 2 years , 14% for 5 years	Salaried:11.25% - 11.5% Self-Employed:11.5%	1%	2%

See the Home Loan Rates for Sep 08

Home Loan Rates Sep08

Home Loan Rates Sep08
Bank	Fixed Rate	Floating Rate	Processing Fee
Axis Bank	14%	11.3%	.5% - 1%
ICICI Bank	15.5%	12%	.5%
ING VYSYA Bank	NA	Salaried:11.25% - 11.75% Self-Employed: 12.25%	.5%
IDBI Home Finance	13% for 3 years & 13.25% for 5 years	11.5%	.5%
HDFC Bank	Salaried: 14% Self-Employed: 14%	Salaried: 11.25% Self-Employed: 12%	.5% of Loan amount below 20 lacs & Rs.11,200 above 20 lacs
Citi Financial	15%	14%	2% of Loan amount
Kotak Bank	NA	12.75% - 13%	.5% of Loan amount
Standard Charted Bank	13.5% - 14%	12.25%	.5% - 1.5% of Loan amount
L.I.C.	14%	11.25% - 11.5%	.5% of Loan amount
SBI Bank	12.75% upto 30 lacs upto 10 years; 13.75% above 30 lacs upto 10 years	11.5% - 12% upto 30 lacs; 11.75% - 12.25% above 30 lacs & upto 75 lacs; 11.75% - 12.5% above 75 lacs	.5% of Loan amount

Best Home Loan Rates May 2009

Mon, 05/04/2009 - 11:52 — admin

Do find attached the Home Loan rates (according to our research) for May 2009.

BEST HOME LOAN RATES MAY 2009

Best Home loan Rates May 2009
Bank	Fixed Rate	Floating Rate	Processing fees	Pre Payment Charges
LIC Housing Finance	12.25%	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	1%	2%
HDFC Bank	N.A	Salaried & Self Employed Professionals:9.5%(upto 30 lacs),10.5%(above 30 lacs) ; For Self Employed : 9.75%(up to 30 lacs) 10.75%(above 30 lacs)	Rs.10000/- or 0.5% of loan amount(whichever is lesser) + Service Tax	If 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
DHFL	N.A	For Salaried 9.75%(above 30 lacs) & 10.75%(above 30 lacs),For Self Employed: 12.25%	1%	5%(upto 5 years),2%(above 5 years),If balance transfer 5%
ING VYSYA	N.A	9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)	0.5% of Loan amount + Rs.500 + Service Tax(10.30%)	2%-4%
SBI Bank	upto -5 lacs 8.50%	8%(for 1 year);upto 20 lacs-9.25%;20 to 30 lacs-9.75%(for 5 yrs),10%(for 5-15 yrs),10.25%(for 15-25 yrs);30 to 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 yrs),10.75%(for 15-25 yrs);Above 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
AXIS Bank	N.A	9.25%(up to 30 lacs),10.25%(above 30 lacs)	0.50%	N.A
Standard Chartered Bank	N.A	9.5% - 10%	.25% - .5% of loan amount	2%
ICICI Home Finance	N.A	upto 20 lacs - 9.75%, Above 20 lacs to 30 lacs - 10.00%, Above 30 lacs - 11.50%	0.5%	2%(Full payment), No Penalty (Part Payment)
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5	2%
Dena	N.A	11.75%	0.5%	2%
IDBI bank	N.A	9.25%(up to 30 lacs),9.75%(above 30 lacs)	10000 (up to 20 lacs)	N.A
Citi Bank	-	-	-	-
Federal Bank	N.A	10%	0.5%	2%
Kotak	-	-	-	-
ICICI Bank Ltd	-	-	-	-
Barclays Bank	N.A	10%(up to 20 lacs),10.5%(above 20 lacs)	0.25%	2%
Deutsche Post Bank	N.A	9.5%(up to 20 lacs),9.75%(Between 20 lacs-30 lacs),10.25%(above 30 lacs)	0.5% of Loan amount + Rs.500 + Service Tax(10.30%)	2%-4%
UNION Bank	N.A	10.75%	0.5%	2%

Disclaimer: The actual rate(s) offered to you might differ from the ones quoted here. The above information has been collected from market sources and the authenticity of the same is not guaranteed by Deal4Loans.

See the Home Loan Rates for April 09

BEST HOME LOAN RATES APRIL 2009

Best Home loan Rates April 2009
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre Payment Charges
LIC Housing Finance	12.25%	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	1%	2%
HDFC	N.A	Salaried & Self Employed Professionals:9.5%(upto 30 lacs),10.5%(above 30 lacs) ; For Self Employed : 9.75%(up to 30 lacs) 10.75%(above 30 lacs)	Rs.10000/- or 0.5% of loan amount(whichever is lesser) + Service Tax	If 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
DHFL	N.A	For Salaried 9.75%(below15 lacs) & 10.75%(above 15 lacs),For Self Employed: 10.75%(below 15 lacs),11.75%(above 15 lacs)	1%	5%(upto 5 years),2%(above 5 years),If balance transfer 3%
ING Vysya	N.A	9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)	0.5%	N.A
Deutsche	N.A	9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)	0.5% of Loan amount + Rs.500 + Service Tax(10.30%)	2%-4%
Union Bank	N.A	10.75%	0.5%	2%
IDBI Bank Ltd.	N.A	9.25%(less than 20 lacs),10.75% (above 20 lacs)	9.25%(less than 20 lacs),10.75% (above 20 lacs)	N.A
SBI	upto 5 lacs - 8.50%	8%(for 1 year);upto 20 lacs-9.25%;20 to 30 lacs-9.75%(for 5 yrs),10%(for 5-15 yrs),10.25%(for 15-25 yrs);30 to 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 yrs),10.75%(for 15-25 yrs);Above 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
Barclays Bank	N.A	10%(up to 20 lacs),10.5%(above 20 lacs)	0.25%	2%
Dena	N.A	11.75%	0.5%	2%
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5%	2%
ICICI Home Finance	N.A	upto 20 lacs - 9.75%, Above 20 lacs to 30 lacs - 10.00%, Above 30 lacs - 11.50%	0.5%	2%(Full payment), No Penalty (Part Payment)
ICICI Bank Ltd	16%	Upto 20 lacs - 11.25%, Above 20 lacs - 12.75%	0.5%	2%
Kotak	N.A	Salaried:11% - 11.5% ; Semp:11.5% - 12%	0.5%	2%
Axis Bank	N.A	9.75%(up to 30 lacs),10.50%(up to 1 crore),10.75%(above 1 crore)	0.50%	N.A
Citi Bank	N.A	10.75%-11.25%	0.25%-0.5%	2%-4%
Federal Bank	N.A	10%	0.5%	2%
Standard Chartered Bank	N.A.	9.5% - 10%	.25% - .5% of loan amount	2%

See the Home Loan Rates for March 09

BEST HOME LOAN RATES MARCH 2009

Best Home Loan Rates 2009
Bank	Fixed Rate	Floating Rate	Processing Fee	Pre Payment Charges
DHFL	N.A	For Salaried 9.75%(below15 lacs) & 10.75%(above 15 lacs),For Self Employed: 10.75%(below 15 lacs),11.75%(above 15 lacs)	1%	5%(upto 5 years),2%(above 5 years),If balance transfer 3%
LIC Housing Finance	12.25%	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	1%	2%
HDFC	N.A	Salaried & Self Employed Professionals:9.5%(upto 30 lacs),10.5%(above 30 lacs) ; Self Employed Non-Professionals: 10% (Upto 30 Lacs), 11% (Above 30 Lacs)	Rs.10000/- or 0.5% of loan amount(whichever is lesser) + Service Tax	If 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
ING Vysya	N.A	9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)	0.5%	N.A
Deutsche	N.A	9.75%(Below 20 lacs),10.25%(20-30 lacs),10.95%(30 lacs & above)	0.5% of Loan amount + Rs.500 + Service Tax(12.36%)	2%-4%
Union Bank	N.A	10.75%	0.5%	2%
IDBI Bank Ltd.	N.A	9.25%(less than 20 lacs),10.75% (above 20 lacs)	10000 upto 20 lacs	N.A
SBI	upto 5 lacs - 8.50%	8%(for 1 year);upto 20 lacs-9.25%;20 to 30 lacs-9.75%(for 5 yrs),10%(for 5-15 yrs),10.25%(for 15-25 yrs);30 to 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 yrs),10.75%(for 15-25 yrs);Above 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
Dena	N.A	11.75%	0.5%	2%
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5%	2%
ICICI Home Finance	-	upto 20 lacs - 9.75%, Above 20 lacs to 30 lacs - 10.00%, Above 30 lacs - 11.50%	0.5%	2%(Full payment), No Penalty (Part Payment)
ICICI Bank Ltd.	16%	Upto 20 lacs - 11.25%, Above 20 lacs - 12.75%	.5%	2%
Kotak	-	Salaried:11% - 11.5% ; Semp:11.5% - 12%	0.5%	2%

See the Home Loan Rates for January 09

BEST HOME LOAN RATES FEB 2009

Best Home Loan Rates FEB 2009
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre Closure Charges
IDBI Bank	N.A	9.25%(less than 20 lacs),10.75% (above 20 lacs)	10000 upto 20 lacs	N.A
AXIS	N.A	9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases	0.5%	N.A
HDFC	14%(for 1 to 20Yrs)	Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)	0.5%	2%
Deutsche	N.A	9.75%(Below 20 lacs),10.25%(20-30 lacs),10.95%(30 lacs & above)	0.5% of Loan amount + Rs.500 + Service Tax(12.36%)	2%-4%
IDBI Home Finance	14%	9.75%(Below 20 lacs),10.75%(20 lacs & above)	0.5% of Loan amount + Service Tax(12.36%)	N.A
LIC Housing	13%(for 2 years),14%(for 5 years)	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	0.5%	2%
Dena	N.A	11.25%	0.5%	2%
Union Bank	N.A	11.25%	0.5%	2%
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5%	2%
SBI	upto 5 lacs - 8.50%	upto 20 lacs-9.25%; 20 to 30 lacs-9.75%(for 5 years),10%(for 5-15 years),10.25%(for 15-25 years);30 to 70 lacs-10.25%(for 5 years),10.50%(for 5-15 years),10.75%(for 15-25 years);Above 70 lacs-10.25%(for 5 years),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
ING VYSYA	N.A.	Below 20 lacs - 9.75% ; Above 20 lacs - 10.75%	0.5%	2%
DHFL	N.A	For Salaried 9.75%(below15 lacs) & 10.75%(above 15 lacs),For Self Employed: 10.75%(below 15 lacs),11.75%(above 15 lacs)	0.5%	2%

See the Home Loan Rates for January 09

Best Home Loan Rates January 2009

Best Home Loan Rates January 2009
Bank	Fixed Rate	Floating Rate	Processing Fee	Pre-Closure Charges
IDBI	N.A	9.25%(below 20 lacs) & 10.75%(above 20 lacs)	10000 (upto 20 lacs)	N.A
HDFC	14%(for 1 to 20Yrs)	Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)	0.5%	2%
AXIS	N.A	9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases	0.5%	N.A
LIC Housing	13%(for 2 years),14%(for 5 years)	9.25%(Upto 20 lacs for 5 years),9.75%(upto 20 lacs for 6-20 years),11%(above 20 lacs),9.75%(upto 30 lacs),10.75%(30-75 lacs),11.25%(above 75 lacs)	0.5%	2%
State Bank of Hyderabad	N.A	9.25%(up to 20 lacs),9.75%(above 20 lacs)	0.5%	2%-3%
SCB	11.75%	N.A	0.5%	2.5%
Deutsche	N.A	11.75%	0.5%(For selfemployed), 0.25%(for Salaried)	2%
HSBC	N.A	12.5%	0.5%	25% of the Principal amount without penalty & after that 2.5%
ING VYSYA	N.A	10%(upto 20 lacs),10.75%(above 20 lacs)	11236/-	2%
SBI	11.25%(for 10yrs,upto 30lacs),12.25%(for 10yrs,above 30lacs)	9.25%(up to 20 lacs),Upto 30 lacs : 9.75%(for 5 years),10%(for 5-15 years),10.25%(for 15-25 years)	0.5%	N.A
DHFL	N.A	11.25%	0.5%	2%
Union Bank	N.A	11.25%	0.5%	2%
Dena Bank	N.A	11.25%	0.5%	2%
UCO	N.A	11.25%	0.5%	2%
Bank of Baroda	Upto Rs30Lacs-9.50%(Upto 5yrs),9.75%(above 5yrs & upto 10Yrs),10%(above 10Yrs & upto 15Yrs)	Upto Rs30Lacs-8.50%(upto 5yrs),8.75%(above 5yrs & upto 15yrs),9%(above 15yrs & upto 25yrs)	0.35%(upto Rs.20lacs),0.40%(above Rs.20lacs)	N.A
ICICI Bank	16%(for 20yrs & below 20lacs of loan amount)	11%(for 20yrs & below 20lacs of loan amount)	0.5% to 1%	2% on the principal outstanding on full Prepayment

See the Home Loan Rates for Dec 08

Best Home Loans Rates December 08

Best Home Loan Rates December 08
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
AXIS BANk	N.A	11%	0.5%	2%
ING VYSYA	N.A	11.5%	0.5%	2%
HDFC	11.25%	11.75%(above 30 lacs)	0.5%	2%
IDBI	12.5%(for 3 years)	10.75%	0.5%	2%
ICICI	15.75%	13.25%	0.5%	2%
SCB	11.75%	12%	0.25%	2%
LIC	11.50%	11.25%	0.5%(above 30 lacs .25%)	2%
Kotak	13% - 14%	N.A	0.5%	2%

See the Home Loan Rates for Nov 08

Best Home Loans Rates November 2008

Best Home Loans Rates November
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
AXIS BANK	N.A	11.25%	0.5%	2%
ICICI	13.25%	16.75%	0.5%	2%
ING VYSYA	N.A	11.75%	0.5%	2%
HDFC	11.25%	N.A	0.5%	2%
BHW BIRLA	12%	11.5%	0.5%	2%
CITI FINANCIAL	14.5%	14.5%	0.5%	2%
G.E MONEY	N.A	13.5%	0.5%	2%
IDBI	N.A	11.5%	0.5%	2%
SCB	11.75%	N.A	0.5%	2%
LIC	N.A	Salaried:11.25% Selfemployed:11.50%	0.5%	2%

See the Home Loan Rates for Oct 08

Bank Rates for Home Loans

Home Loan Rates for October 08
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
ICICI Bank	14%	Salaried:12% Self-Employed:12.25%	.5%	2%
ING VYSYA Bank	NA	11.5% - 11.75%	.5%	2% upto 1year , No Pre- Closure charges after 1 year
HDFC Bank	Salaried & self-Employed:14.5%	Salaried:11.25% upto 30 lacs, 11.75% above 30 lacs Self-Employed:12%	.5% upto 20 lacs, Rs.11,236/- above 20 lacs	No Prepayment charges if more than 25% of the prepayed else 2% of the amount outstanding
Kotak Bank	NA	13%	.5%	3%
Standard Chartered Bank	NA	11.75%	Rs.5,618/-	2.5%
SBI Bank	12.75%	10.75% - 11.25%	.25%	2%
Birla Home Finance	Salaried & Self-Employed:14.5%	Salaried:11.75% Self-Employed:11.75% - 12%	Salaried: .5% upto 20 lacs, Rs.6,180/- above 20 lacs Self-Employed: .5%	No Prepayment charges if more than 90% of the prepayed else 2% of the amount outstanding
LIC Housing Finance	13% for 2 years , 14% for 5 years	Salaried:11.25% - 11.5% Self-Employed:11.5%	1%	2%

See the Home Loan Rates for Sep 08

Home Loan Rates Sep08

Home Loan Rates Sep08
Bank	Fixed Rate	Floating Rate	Processing Fee
Axis Bank	14%	11.3%	.5% - 1%
ICICI Bank	15.5%	12%	.5%
ING VYSYA Bank	NA	Salaried:11.25% - 11.75% Self-Employed: 12.25%	.5%
IDBI Home Finance	13% for 3 years & 13.25% for 5 years	11.5%	.5%
HDFC Bank	Salaried: 14% Self-Employed: 14%	Salaried: 11.25% Self-Employed: 12%	.5% of Loan amount below 20 lacs & Rs.11,200 above 20 lacs
Citi Financial	15%	14%	2% of Loan amount
Kotak Bank	NA	12.75% - 13%	.5% of Loan amount
Standard Charted Bank	13.5% - 14%	12.25%	.5% - 1.5% of Loan amount
L.I.C.	14%	11.25% - 11.5%	.5% of Loan amount
SBI Bank	12.75% upto 30 lacs upto 10 years; 13.75% above 30 lacs upto 10 years	11.5% - 12% upto 30 lacs; 11.75% - 12.25% above 30 lacs & upto 75 lacs; 11.75% - 12.5% above 75 lacs	.5% of Loan amount

Best Home Loan Rates April 2009

Wed, 04/01/2009 - 13:05 — admin

Do find attached the Home Loan rates (according to our research) for April 2009.

BEST HOME LOAN RATES APRIL 2009

Best Home loan Rates April 2009
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre Payment Charges
LIC Housing Finance	12.25%	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	1%	2%
HDFC	N.A	Salaried & Self Employed Professionals:9.5%(upto 30 lacs),10.5%(above 30 lacs) ; For Self Employed : 9.75%(up to 30 lacs) 10.75%(above 30 lacs)	Rs.10000/- or 0.5% of loan amount(whichever is lesser) + Service Tax	If 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
DHFL	N.A	For Salaried 9.75%(below15 lacs) & 10.75%(above 15 lacs),For Self Employed: 10.75%(below 15 lacs),11.75%(above 15 lacs)	1%	5%(upto 5 years),2%(above 5 years),If balance transfer 3%
ING Vysya	N.A	9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)	0.5%	N.A
Deutsche	N.A	9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)	0.5% of Loan amount + Rs.500 + Service Tax(10.30%)	2%-4%
Union Bank	N.A	10.75%	0.5%	2%
IDBI Bank Ltd.	N.A	9.25%(less than 20 lacs),10.75% (above 20 lacs)	9.25%(less than 20 lacs),10.75% (above 20 lacs)	N.A
SBI	upto 5 lacs - 8.50%	8%(for 1 year);upto 20 lacs-9.25%;20 to 30 lacs-9.75%(for 5 yrs),10%(for 5-15 yrs),10.25%(for 15-25 yrs);30 to 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 yrs),10.75%(for 15-25 yrs);Above 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
Barclays Bank	N.A	10%(up to 20 lacs),10.5%(above 20 lacs)	0.25%	2%
Dena	N.A	11.75%	0.5%	2%
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5%	2%
ICICI Home Finance	N.A	upto 20 lacs - 9.75%, Above 20 lacs to 30 lacs - 10.00%, Above 30 lacs - 11.50%	0.5%	2%(Full payment), No Penalty (Part Payment)
ICICI Bank Ltd	16%	Upto 20 lacs - 11.25%, Above 20 lacs - 12.75%	0.5%	2%
Kotak	N.A	Salaried:11% - 11.5% ; Semp:11.5% - 12%	0.5%	2%
Axis Bank	N.A	9.75%(up to 30 lacs),10.50%(up to 1 crore),10.75%(above 1 crore)	0.50%	N.A
Citi Bank	N.A	10.75%-11.25%	0.25%-0.5%	2%-4%
Federal Bank	N.A	10%	0.5%	2%
Standard Chartered Bank	N.A.	9.5% - 10%	.25% - .5% of loan amount	2%

Disclaimer: The actual rate(s) offered to you might differ from the ones quoted here. The above information has been collected from market sources and the authenticity of the same is not guaranteed by Deal4Loans.

See the Home Loan Rates for March 09

BEST HOME LOAN RATES MARCH 2009

Best Home Loan Rates 2009
Bank	Fixed Rate	Floating Rate	Processing Fee	Pre Payment Charges
DHFL	N.A	For Salaried 9.75%(below15 lacs) & 10.75%(above 15 lacs),For Self Employed: 10.75%(below 15 lacs),11.75%(above 15 lacs)	1%	5%(upto 5 years),2%(above 5 years),If balance transfer 3%
LIC Housing Finance	12.25%	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	1%	2%
HDFC	N.A	Salaried & Self Employed Professionals:9.5%(upto 30 lacs),10.5%(above 30 lacs) ; Self Employed Non-Professionals: 10% (Upto 30 Lacs), 11% (Above 30 Lacs)	Rs.10000/- or 0.5% of loan amount(whichever is lesser) + Service Tax	If 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
ING Vysya	N.A	9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)	0.5%	N.A
Deutsche	N.A	9.75%(Below 20 lacs),10.25%(20-30 lacs),10.95%(30 lacs & above)	0.5% of Loan amount + Rs.500 + Service Tax(12.36%)	2%-4%
Union Bank	N.A	10.75%	0.5%	2%
IDBI Bank Ltd.	N.A	9.25%(less than 20 lacs),10.75% (above 20 lacs)	10000 upto 20 lacs	N.A
SBI	upto 5 lacs - 8.50%	8%(for 1 year);upto 20 lacs-9.25%;20 to 30 lacs-9.75%(for 5 yrs),10%(for 5-15 yrs),10.25%(for 15-25 yrs);30 to 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 yrs),10.75%(for 15-25 yrs);Above 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
Dena	N.A	11.75%	0.5%	2%
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5%	2%
ICICI Home Finance	-	upto 20 lacs - 9.75%, Above 20 lacs to 30 lacs - 10.00%, Above 30 lacs - 11.50%	0.5%	2%(Full payment), No Penalty (Part Payment)
ICICI Bank Ltd.	16%	Upto 20 lacs - 11.25%, Above 20 lacs - 12.75%	.5%	2%
Kotak	-	Salaried:11% - 11.5% ; Semp:11.5% - 12%	0.5%	2%

See the Home Loan Rates for January 09

BEST HOME LOAN RATES FEB 2009

Best Home Loan Rates FEB 2009
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre Closure Charges
IDBI Bank	N.A	9.25%(less than 20 lacs),10.75% (above 20 lacs)	10000 upto 20 lacs	N.A
AXIS	N.A	9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases	0.5%	N.A
HDFC	14%(for 1 to 20Yrs)	Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)	0.5%	2%
Deutsche	N.A	9.75%(Below 20 lacs),10.25%(20-30 lacs),10.95%(30 lacs & above)	0.5% of Loan amount + Rs.500 + Service Tax(12.36%)	2%-4%
IDBI Home Finance	14%	9.75%(Below 20 lacs),10.75%(20 lacs & above)	0.5% of Loan amount + Service Tax(12.36%)	N.A
LIC Housing	13%(for 2 years),14%(for 5 years)	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	0.5%	2%
Dena	N.A	11.25%	0.5%	2%
Union Bank	N.A	11.25%	0.5%	2%
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5%	2%
SBI	upto 5 lacs - 8.50%	upto 20 lacs-9.25%; 20 to 30 lacs-9.75%(for 5 years),10%(for 5-15 years),10.25%(for 15-25 years);30 to 70 lacs-10.25%(for 5 years),10.50%(for 5-15 years),10.75%(for 15-25 years);Above 70 lacs-10.25%(for 5 years),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
ING VYSYA	N.A.	Below 20 lacs - 9.75% ; Above 20 lacs - 10.75%	0.5%	2%
DHFL	N.A	For Salaried 9.75%(below15 lacs) & 10.75%(above 15 lacs),For Self Employed: 10.75%(below 15 lacs),11.75%(above 15 lacs)	0.5%	2%

See the Home Loan Rates for January 09

Best Home Loan Rates January 2009

Best Home Loan Rates January 2009
Bank	Fixed Rate	Floating Rate	Processing Fee	Pre-Closure Charges
IDBI	N.A	9.25%(below 20 lacs) & 10.75%(above 20 lacs)	10000 (upto 20 lacs)	N.A
HDFC	14%(for 1 to 20Yrs)	Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)	0.5%	2%
AXIS	N.A	9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases	0.5%	N.A
LIC Housing	13%(for 2 years),14%(for 5 years)	9.25%(Upto 20 lacs for 5 years),9.75%(upto 20 lacs for 6-20 years),11%(above 20 lacs),9.75%(upto 30 lacs),10.75%(30-75 lacs),11.25%(above 75 lacs)	0.5%	2%
State Bank of Hyderabad	N.A	9.25%(up to 20 lacs),9.75%(above 20 lacs)	0.5%	2%-3%
SCB	11.75%	N.A	0.5%	2.5%
Deutsche	N.A	11.75%	0.5%(For selfemployed), 0.25%(for Salaried)	2%
HSBC	N.A	12.5%	0.5%	25% of the Principal amount without penalty & after that 2.5%
ING VYSYA	N.A	10%(upto 20 lacs),10.75%(above 20 lacs)	11236/-	2%
SBI	11.25%(for 10yrs,upto 30lacs),12.25%(for 10yrs,above 30lacs)	9.25%(up to 20 lacs),Upto 30 lacs : 9.75%(for 5 years),10%(for 5-15 years),10.25%(for 15-25 years)	0.5%	N.A
DHFL	N.A	11.25%	0.5%	2%
Union Bank	N.A	11.25%	0.5%	2%
Dena Bank	N.A	11.25%	0.5%	2%
UCO	N.A	11.25%	0.5%	2%
Bank of Baroda	Upto Rs30Lacs-9.50%(Upto 5yrs),9.75%(above 5yrs & upto 10Yrs),10%(above 10Yrs & upto 15Yrs)	Upto Rs30Lacs-8.50%(upto 5yrs),8.75%(above 5yrs & upto 15yrs),9%(above 15yrs & upto 25yrs)	0.35%(upto Rs.20lacs),0.40%(above Rs.20lacs)	N.A
ICICI Bank	16%(for 20yrs & below 20lacs of loan amount)	11%(for 20yrs & below 20lacs of loan amount)	0.5% to 1%	2% on the principal outstanding on full Prepayment

See the Home Loan Rates for Dec 08

Best Home Loans Rates December 08

Best Home Loan Rates December 08
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
AXIS BANk	N.A	11%	0.5%	2%
ING VYSYA	N.A	11.5%	0.5%	2%
HDFC	11.25%	11.75%(above 30 lacs)	0.5%	2%
IDBI	12.5%(for 3 years)	10.75%	0.5%	2%
ICICI	15.75%	13.25%	0.5%	2%
SCB	11.75%	12%	0.25%	2%
LIC	11.50%	11.25%	0.5%(above 30 lacs .25%)	2%
Kotak	13% - 14%	N.A	0.5%	2%

See the Home Loan Rates for Nov 08

Best Home Loans Rates November 2008

Best Home Loans Rates November
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
AXIS BANK	N.A	11.25%	0.5%	2%
ICICI	13.25%	16.75%	0.5%	2%
ING VYSYA	N.A	11.75%	0.5%	2%
HDFC	11.25%	N.A	0.5%	2%
BHW BIRLA	12%	11.5%	0.5%	2%
CITI FINANCIAL	14.5%	14.5%	0.5%	2%
G.E MONEY	N.A	13.5%	0.5%	2%
IDBI	N.A	11.5%	0.5%	2%
SCB	11.75%	N.A	0.5%	2%
LIC	N.A	Salaried:11.25% Selfemployed:11.50%	0.5%	2%

See the Home Loan Rates for Oct 08

Bank Rates for Home Loans

Home Loan Rates for October 08
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
ICICI Bank	14%	Salaried:12% Self-Employed:12.25%	.5%	2%
ING VYSYA Bank	NA	11.5% - 11.75%	.5%	2% upto 1year , No Pre- Closure charges after 1 year
HDFC Bank	Salaried & self-Employed:14.5%	Salaried:11.25% upto 30 lacs, 11.75% above 30 lacs Self-Employed:12%	.5% upto 20 lacs, Rs.11,236/- above 20 lacs	No Prepayment charges if more than 25% of the prepayed else 2% of the amount outstanding
Kotak Bank	NA	13%	.5%	3%
Standard Chartered Bank	NA	11.75%	Rs.5,618/-	2.5%
SBI Bank	12.75%	10.75% - 11.25%	.25%	2%
Birla Home Finance	Salaried & Self-Employed:14.5%	Salaried:11.75% Self-Employed:11.75% - 12%	Salaried: .5% upto 20 lacs, Rs.6,180/- above 20 lacs Self-Employed: .5%	No Prepayment charges if more than 90% of the prepayed else 2% of the amount outstanding
LIC Housing Finance	13% for 2 years , 14% for 5 years	Salaried:11.25% - 11.5% Self-Employed:11.5%	1%	2%

See the Home Loan Rates for Sep 08

Home Loan Rates Sep08

Home Loan Rates Sep08
Bank	Fixed Rate	Floating Rate	Processing Fee
Axis Bank	14%	11.3%	.5% - 1%
ICICI Bank	15.5%	12%	.5%
ING VYSYA Bank	NA	Salaried:11.25% - 11.75% Self-Employed: 12.25%	.5%
IDBI Home Finance	13% for 3 years & 13.25% for 5 years	11.5%	.5%
HDFC Bank	Salaried: 14% Self-Employed: 14%	Salaried: 11.25% Self-Employed: 12%	.5% of Loan amount below 20 lacs & Rs.11,200 above 20 lacs
Citi Financial	15%	14%	2% of Loan amount
Kotak Bank	NA	12.75% - 13%	.5% of Loan amount
Standard Charted Bank	13.5% - 14%	12.25%	.5% - 1.5% of Loan amount
L.I.C.	14%	11.25% - 11.5%	.5% of Loan amount
SBI Bank	12.75% upto 30 lacs upto 10 years; 13.75% above 30 lacs upto 10 years	11.5% - 12% upto 30 lacs; 11.75% - 12.25% above 30 lacs & upto 75 lacs; 11.75% - 12.5% above 75 lacs	.5% of Loan amount

Best Home Loan Rates March 2009

Wed, 03/04/2009 - 05:22 — admin

Do find attached the Home Loan rates (according to our research) for March 2009.

BEST HOME LOAN RATES MARCH 2009

Best Home Loan Rates 2009
Bank	Fixed Rate	Floating Rate	Processing Fee	Pre Payment Charges
DHFL	N.A	For Salaried 9.75%(below15 lacs) & 10.75%(above 15 lacs),For Self Employed: 10.75%(below 15 lacs),11.75%(above 15 lacs)	1%	5%(upto 5 years),2%(above 5 years),If balance transfer 3%
LIC Housing Finance	12.25%	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	1%	2%
HDFC	N.A	Salaried & Self Employed Professionals:9.5%(upto 30 lacs),10.5%(above 30 lacs) ; Self Employed Non-Professionals: 10% (Upto 30 Lacs), 11% (Above 30 Lacs)	Rs.10000/- or 0.5% of loan amount(whichever is lesser) + Service Tax	If 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
ING Vysya	N.A	9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)	0.5%	N.A
Deutsche	N.A	9.75%(Below 20 lacs),10.25%(20-30 lacs),10.95%(30 lacs & above)	0.5% of Loan amount + Rs.500 + Service Tax(12.36%)	2%-4%
Union Bank	N.A	10.75%	0.5%	2%
IDBI Bank Ltd.	N.A	9.25%(less than 20 lacs),10.75% (above 20 lacs)	10000 upto 20 lacs	N.A
SBI	upto 5 lacs - 8.50%	8%(for 1 year);upto 20 lacs-9.25%;20 to 30 lacs-9.75%(for 5 yrs),10%(for 5-15 yrs),10.25%(for 15-25 yrs);30 to 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 yrs),10.75%(for 15-25 yrs);Above 70 lacs-10.25%(for 5 yrs),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
Dena	N.A	11.75%	0.5%	2%
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5%	2%
ICICI Home Finance	-	upto 20 lacs - 9.75%, Above 20 lacs to 30 lacs - 10.00%, Above 30 lacs - 11.50%	0.5%	2%(Full payment), No Penalty (Part Payment)
ICICI Bank Ltd.	16%	Upto 20 lacs - 11.25%, Above 20 lacs - 12.75%	.5%	2%
Kotak	-	Salaried:11% - 11.5% ; Semp:11.5% - 12%	0.5%	2%

Disclaimer: The actual rate(s) offered to you might differ from the ones quoted here. The above information has been collected from market sources and the authenticity of the same is not guaranteed by Deal4Loans.

See the Home Loan Rates for February 09

BEST HOME LOAN RATES FEB 2009

Best Home Loan Rates FEB 2009
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre Closure Charges
IDBI Bank	N.A	9.25%(less than 20 lacs),10.75% (above 20 lacs)	10000 upto 20 lacs	N.A
AXIS	N.A	9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases	0.5%	N.A
HDFC	14%(for 1 to 20Yrs)	Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)	0.5%	2%
Deutsche	N.A	9.75%(Below 20 lacs),10.25%(20-30 lacs),10.95%(30 lacs & above)	0.5% of Loan amount + Rs.500 + Service Tax(12.36%)	2%-4%
IDBI Home Finance	14%	9.75%(Below 20 lacs),10.75%(20 lacs & above)	0.5% of Loan amount + Service Tax(12.36%)	N.A
LIC Housing	13%(for 2 years),14%(for 5 years)	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	0.5%	2%
Dena	N.A	11.25%	0.5%	2%
Union Bank	N.A	11.25%	0.5%	2%
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5%	2%
SBI	upto 5 lacs - 8.50%	upto 20 lacs-9.25%; 20 to 30 lacs-9.75%(for 5 years),10%(for 5-15 years),10.25%(for 15-25 years);30 to 70 lacs-10.25%(for 5 years),10.50%(for 5-15 years),10.75%(for 15-25 years);Above 70 lacs-10.25%(for 5 years),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
ING VYSYA	N.A.	Below 20 lacs - 9.75% ; Above 20 lacs - 10.75%	0.5%	2%
DHFL	N.A	For Salaried 9.75%(below15 lacs) & 10.75%(above 15 lacs),For Self Employed: 10.75%(below 15 lacs),11.75%(above 15 lacs)	0.5%	2%

See the Home Loan Rates for January 09

Best Home Loan Rates January 2009

Best Home Loan Rates January 2009
Bank	Fixed Rate	Floating Rate	Processing Fee	Pre-Closure Charges
IDBI	N.A	9.25%(below 20 lacs) & 10.75%(above 20 lacs)	10000 (upto 20 lacs)	N.A
HDFC	14%(for 1 to 20Yrs)	Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)	0.5%	2%
AXIS	N.A	9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases	0.5%	N.A
LIC Housing	13%(for 2 years),14%(for 5 years)	9.25%(Upto 20 lacs for 5 years),9.75%(upto 20 lacs for 6-20 years),11%(above 20 lacs),9.75%(upto 30 lacs),10.75%(30-75 lacs),11.25%(above 75 lacs)	0.5%	2%
State Bank of Hyderabad	N.A	9.25%(up to 20 lacs),9.75%(above 20 lacs)	0.5%	2%-3%
SCB	11.75%	N.A	0.5%	2.5%
Deutsche	N.A	11.75%	0.5%(For selfemployed), 0.25%(for Salaried)	2%
HSBC	N.A	12.5%	0.5%	25% of the Principal amount without penalty & after that 2.5%
ING VYSYA	N.A	10%(upto 20 lacs),10.75%(above 20 lacs)	11236/-	2%
SBI	11.25%(for 10yrs,upto 30lacs),12.25%(for 10yrs,above 30lacs)	9.25%(up to 20 lacs),Upto 30 lacs : 9.75%(for 5 years),10%(for 5-15 years),10.25%(for 15-25 years)	0.5%	N.A
DHFL	N.A	11.25%	0.5%	2%
Union Bank	N.A	11.25%	0.5%	2%
Dena Bank	N.A	11.25%	0.5%	2%
UCO	N.A	11.25%	0.5%	2%
Bank of Baroda	Upto Rs30Lacs-9.50%(Upto 5yrs),9.75%(above 5yrs & upto 10Yrs),10%(above 10Yrs & upto 15Yrs)	Upto Rs30Lacs-8.50%(upto 5yrs),8.75%(above 5yrs & upto 15yrs),9%(above 15yrs & upto 25yrs)	0.35%(upto Rs.20lacs),0.40%(above Rs.20lacs)	N.A
ICICI Bank	16%(for 20yrs & below 20lacs of loan amount)	11%(for 20yrs & below 20lacs of loan amount)	0.5% to 1%	2% on the principal outstanding on full Prepayment

See the Home Loan Rates for Dec 08

Best Home Loans Rates December 08

Best Home Loan Rates December 08
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
AXIS BANk	N.A	11%	0.5%	2%
ING VYSYA	N.A	11.5%	0.5%	2%
HDFC	11.25%	11.75%(above 30 lacs)	0.5%	2%
IDBI	12.5%(for 3 years)	10.75%	0.5%	2%
ICICI	15.75%	13.25%	0.5%	2%
SCB	11.75%	12%	0.25%	2%
LIC	11.50%	11.25%	0.5%(above 30 lacs .25%)	2%
Kotak	13% - 14%	N.A	0.5%	2%

See the Home Loan Rates for Nov 08

Best Home Loans Rates November 2008

Best Home Loans Rates November
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
AXIS BANK	N.A	11.25%	0.5%	2%
ICICI	13.25%	16.75%	0.5%	2%
ING VYSYA	N.A	11.75%	0.5%	2%
HDFC	11.25%	N.A	0.5%	2%
BHW BIRLA	12%	11.5%	0.5%	2%
CITI FINANCIAL	14.5%	14.5%	0.5%	2%
G.E MONEY	N.A	13.5%	0.5%	2%
IDBI	N.A	11.5%	0.5%	2%
SCB	11.75%	N.A	0.5%	2%
LIC	N.A	Salaried:11.25% Selfemployed:11.50%	0.5%	2%

See the Home Loan Rates for Oct 08

Bank Rates for Home Loans

Home Loan Rates for October 08
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
ICICI Bank	14%	Salaried:12% Self-Employed:12.25%	.5%	2%
ING VYSYA Bank	NA	11.5% - 11.75%	.5%	2% upto 1year , No Pre- Closure charges after 1 year
HDFC Bank	Salaried & self-Employed:14.5%	Salaried:11.25% upto 30 lacs, 11.75% above 30 lacs Self-Employed:12%	.5% upto 20 lacs, Rs.11,236/- above 20 lacs	No Prepayment charges if more than 25% of the prepayed else 2% of the amount outstanding
Kotak Bank	NA	13%	.5%	3%
Standard Chartered Bank	NA	11.75%	Rs.5,618/-	2.5%
SBI Bank	12.75%	10.75% - 11.25%	.25%	2%
Birla Home Finance	Salaried & Self-Employed:14.5%	Salaried:11.75% Self-Employed:11.75% - 12%	Salaried: .5% upto 20 lacs, Rs.6,180/- above 20 lacs Self-Employed: .5%	No Prepayment charges if more than 90% of the prepayed else 2% of the amount outstanding
LIC Housing Finance	13% for 2 years , 14% for 5 years	Salaried:11.25% - 11.5% Self-Employed:11.5%	1%	2%

See the Home Loan Rates for Sep 08

Home Loan Rates Sep08

Home Loan Rates Sep08
Bank	Fixed Rate	Floating Rate	Processing Fee
Axis Bank	14%	11.3%	.5% - 1%
ICICI Bank	15.5%	12%	.5%
ING VYSYA Bank	NA	Salaried:11.25% - 11.75% Self-Employed: 12.25%	.5%
IDBI Home Finance	13% for 3 years & 13.25% for 5 years	11.5%	.5%
HDFC Bank	Salaried: 14% Self-Employed: 14%	Salaried: 11.25% Self-Employed: 12%	.5% of Loan amount below 20 lacs & Rs.11,200 above 20 lacs
Citi Financial	15%	14%	2% of Loan amount
Kotak Bank	NA	12.75% - 13%	.5% of Loan amount
Standard Charted Bank	13.5% - 14%	12.25%	.5% - 1.5% of Loan amount
L.I.C.	14%	11.25% - 11.5%	.5% of Loan amount
SBI Bank	12.75% upto 30 lacs upto 10 years; 13.75% above 30 lacs upto 10 years	11.5% - 12% upto 30 lacs; 11.75% - 12.25% above 30 lacs & upto 75 lacs; 11.75% - 12.5% above 75 lacs	.5% of Loan amount

Negotiating Tips For Home Loans

Thu, 02/12/2009 - 12:04 — balbirsingh499

These days there are a lot of financial institutions/banks who are into the loan market. Everybody wants the best and the cheapest deal on his/her loan.
A small negotiation can help you saving your hard earned money. Following are some tips which can help in negotiating with the banks:

1.Work Profile - Your work profile can help you a lot. The company with which you are working, since when are you working, your total work experience etc. everything would be taken into consideration.

2.Credit Profile - If you are having any running loan or if you had any loan in the past, it's repayment track would be taken into account. Apart from this your credit card repayment history will also help you a lot in this.

Read more

Different Types Of Home Loans

Mon, 02/09/2009 - 07:45 — Mildred

Nowadays, we have innumerable options for any purchase we make. It could be as simple as buying toothpaste or buying a commodity like a television set. With so much of variety offered in the market we now have options for buying the right kind of loan suiting our needs.

Read more

Best Home Loan Rates February 2009

Tue, 02/03/2009 - 10:23 — admin

Do find attached the Home Loan rates (according to our research) for February 2009.

BEST HOME LOAN RATES FEB 2009

Best Home Loan Rates FEB 2009
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre Closure Charges
IDBI Bank	N.A	9.25%(less than 20 lacs),10.75% (above 20 lacs)	10000 upto 20 lacs	N.A
AXIS	N.A	9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases	0.5%	N.A
HDFC	14%(for 1 to 20Yrs)	Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)	0.5%	2%
Deutsche	N.A	9.75%(Below 20 lacs),10.25%(20-30 lacs),10.95%(30 lacs & above)	0.5% of Loan amount + Rs.500 + Service Tax(12.36%)	2%-4%
IDBI Home Finance	14%	9.75%(Below 20 lacs),10.75%(20 lacs & above)	0.5% of Loan amount + Service Tax(12.36%)	N.A
LIC Housing	13%(for 2 years),14%(for 5 years)	8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),	0.5%	2%
Dena	N.A	11.25%	0.5%	2%
Union Bank	N.A	11.25%	0.5%	2%
PNB	Below 20 lacs -9.25%(for 5 years),10%(for 10 years),10.50%(for 20 years),10.75%(for 25 years) ; Above 20 lacs - 10%(for 5 years),10.25%(for 10 years),10.75%(for 20 years),11%(for 25 years)	Below 20 lacs -9%(for 5 years),9.25%(for 10 years),9.50%(for 20 years),9.75%(for 25 years) ; Above 20 lacs - 9.75%(for 5 years - 10 years),10%(for 20 years),10.25%(for 25 years)	0.5%	2%
SBI	upto 5 lacs - 8.50%	upto 20 lacs-9.25%; 20 to 30 lacs-9.75%(for 5 years),10%(for 5-15 years),10.25%(for 15-25 years);30 to 70 lacs-10.25%(for 5 years),10.50%(for 5-15 years),10.75%(for 15-25 years);Above 70 lacs-10.25%(for 5 years),10.50%(for 5-15 years),11%(for 15-25 years)	0.5%	2%
ING VYSYA	N.A.	Below 20 lacs - 9.75% ; Above 20 lacs - 10.75%	0.5%	2%
DHFL	N.A	For Salaried 9.75%(below15 lacs) & 10.75%(above 15 lacs),For Self Employed: 10.75%(below 15 lacs),11.75%(above 15 lacs)	0.5%	2%

Disclaimer: The actual rate(s) offered to you might differ from the ones quoted here. The above information has been collected from market sources and the authenticity of the same is not guaranteed by Deal4Loans.

See the Home Loan Rates for January 08

Best Home Loan Rates January 2009

Best Home Loan Rates January 2009
Bank	Fixed Rate	Floating Rate	Processing Fee	Pre-Closure Charges
IDBI	N.A	9.25%(below 20 lacs) & 10.75%(above 20 lacs)	10000 (upto 20 lacs)	N.A
HDFC	14%(for 1 to 20Yrs)	Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)	0.5%	2%
AXIS	N.A	9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases	0.5%	N.A
LIC Housing	13%(for 2 years),14%(for 5 years)	9.25%(Upto 20 lacs for 5 years),9.75%(upto 20 lacs for 6-20 years),11%(above 20 lacs),9.75%(upto 30 lacs),10.75%(30-75 lacs),11.25%(above 75 lacs)	0.5%	2%
State Bank of Hyderabad	N.A	9.25%(up to 20 lacs),9.75%(above 20 lacs)	0.5%	2%-3%
SCB	11.75%	N.A	0.5%	2.5%
Deutsche	N.A	11.75%	0.5%(For selfemployed), 0.25%(for Salaried)	2%
HSBC	N.A	12.5%	0.5%	25% of the Principal amount without penalty & after that 2.5%
ING VYSYA	N.A	10%(upto 20 lacs),10.75%(above 20 lacs)	11236/-	2%
SBI	11.25%(for 10yrs,upto 30lacs),12.25%(for 10yrs,above 30lacs)	9.25%(up to 20 lacs),Upto 30 lacs : 9.75%(for 5 years),10%(for 5-15 years),10.25%(for 15-25 years)	0.5%	N.A
DHFL	N.A	11.25%	0.5%	2%
Union Bank	N.A	11.25%	0.5%	2%
Dena Bank	N.A	11.25%	0.5%	2%
UCO	N.A	11.25%	0.5%	2%
Bank of Baroda	Upto Rs30Lacs-9.50%(Upto 5yrs),9.75%(above 5yrs & upto 10Yrs),10%(above 10Yrs & upto 15Yrs)	Upto Rs30Lacs-8.50%(upto 5yrs),8.75%(above 5yrs & upto 15yrs),9%(above 15yrs & upto 25yrs)	0.35%(upto Rs.20lacs),0.40%(above Rs.20lacs)	N.A
ICICI Bank	16%(for 20yrs & below 20lacs of loan amount)	11%(for 20yrs & below 20lacs of loan amount)	0.5% to 1%	2% on the principal outstanding on full Prepayment

See the Home Loan Rates for Dec 08

Best Home Loans Rates December 08

Best Home Loan Rates December 08
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
AXIS BANk	N.A	11%	0.5%	2%
ING VYSYA	N.A	11.5%	0.5%	2%
HDFC	11.25%	11.75%(above 30 lacs)	0.5%	2%
IDBI	12.5%(for 3 years)	10.75%	0.5%	2%
ICICI	15.75%	13.25%	0.5%	2%
SCB	11.75%	12%	0.25%	2%
LIC	11.50%	11.25%	0.5%(above 30 lacs .25%)	2%
Kotak	13% - 14%	N.A	0.5%	2%

See the Home Loan Rates for Nov 08

Best Home Loans Rates November 2008

Best Home Loans Rates November
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
AXIS BANK	N.A	11.25%	0.5%	2%
ICICI	13.25%	16.75%	0.5%	2%
ING VYSYA	N.A	11.75%	0.5%	2%
HDFC	11.25%	N.A	0.5%	2%
BHW BIRLA	12%	11.5%	0.5%	2%
CITI FINANCIAL	14.5%	14.5%	0.5%	2%
G.E MONEY	N.A	13.5%	0.5%	2%
IDBI	N.A	11.5%	0.5%	2%
SCB	11.75%	N.A	0.5%	2%
LIC	N.A	Salaried:11.25% Selfemployed:11.50%	0.5%	2%

See the Home Loan Rates for Oct 08

Bank Rates for Home Loans

Home Loan Rates for October 08
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
ICICI Bank	14%	Salaried:12% Self-Employed:12.25%	.5%	2%
ING VYSYA Bank	NA	11.5% - 11.75%	.5%	2% upto 1year , No Pre- Closure charges after 1 year
HDFC Bank	Salaried & self-Employed:14.5%	Salaried:11.25% upto 30 lacs, 11.75% above 30 lacs Self-Employed:12%	.5% upto 20 lacs, Rs.11,236/- above 20 lacs	No Prepayment charges if more than 25% of the prepayed else 2% of the amount outstanding
Kotak Bank	NA	13%	.5%	3%
Standard Chartered Bank	NA	11.75%	Rs.5,618/-	2.5%
SBI Bank	12.75%	10.75% - 11.25%	.25%	2%
Birla Home Finance	Salaried & Self-Employed:14.5%	Salaried:11.75% Self-Employed:11.75% - 12%	Salaried: .5% upto 20 lacs, Rs.6,180/- above 20 lacs Self-Employed: .5%	No Prepayment charges if more than 90% of the prepayed else 2% of the amount outstanding
LIC Housing Finance	13% for 2 years , 14% for 5 years	Salaried:11.25% - 11.5% Self-Employed:11.5%	1%	2%

See the Home Loan Rates for Sep 08

Home Loan Rates Sep08

Home Loan Rates Sep08
Bank	Fixed Rate	Floating Rate	Processing Fee
Axis Bank	14%	11.3%	.5% - 1%
ICICI Bank	15.5%	12%	.5%
ING VYSYA Bank	NA	Salaried:11.25% - 11.75% Self-Employed: 12.25%	.5%
IDBI Home Finance	13% for 3 years & 13.25% for 5 years	11.5%	.5%
HDFC Bank	Salaried: 14% Self-Employed: 14%	Salaried: 11.25% Self-Employed: 12%	.5% of Loan amount below 20 lacs & Rs.11,200 above 20 lacs
Citi Financial	15%	14%	2% of Loan amount
Kotak Bank	NA	12.75% - 13%	.5% of Loan amount
Standard Charted Bank	13.5% - 14%	12.25%	.5% - 1.5% of Loan amount
L.I.C.	14%	11.25% - 11.5%	.5% of Loan amount
SBI Bank	12.75% upto 30 lacs upto 10 years; 13.75% above 30 lacs upto 10 years	11.5% - 12% upto 30 lacs; 11.75% - 12.25% above 30 lacs & upto 75 lacs; 11.75% - 12.5% above 75 lacs	.5% of Loan amount

Home Loan Balance Transfer Tips

Thu, 01/22/2009 - 12:23 — balbirsingh499

Before getting your Home Loan transferred, one should have a close look at the Fine Print document. Fine Print is the portion of a document, especially a contract, which contains qualifications or restrictions in small type or obscure language. Following are the few tips for Home Loan Balance Transfer:

First thing which should considered for going in for a balance transfer is the Rate Of Interest, further your repayment track can help you a lot on this.

Read more

HDFC BANK Home Loan

Sat, 01/17/2009 - 12:55 — Priyanka Sharma

HDFC BANK HOME LOAN

HDFC Bank provides you the best features & benefits of Home Loans.

Features And Benefits

Home Loan
For individuals to purchase (fresh / resale) or construct houses. Application can be made individually or jointly.
HDFC Home Loan Documents
HDFC Home Loan Documents

HDFC Home Loan Eligibility

Read more

Axis Bank Home Loan

Thu, 01/15/2009 - 13:18 — Priyanka Sharma

AXIS BANK HOME LOAN

FEATURES

1)Attractive interest rates
2)Balance Transfer facility
3)Doorstep service
4)Option to choose from floating rate or fixed rate

LOAN PURPOSES
1)Purchase of a plot of land and construction of a house thereon
2)Construction of a house on plot of land already owned
3)Purchase of a new house or flat
4)Residual age of the property should not be less than 30 years old (Home Acquisition Plan)
5)Extension or renovation or repair of a house or flat already owned by self (improvement or extension plan)
6)Take-over of existing Housing Loan (Balance Transfer)
7)Pre-allotment booking finance

Read more

LIC reduced interest rates on home loans.

Thu, 01/01/2009 - 11:11 — Mildred

LIC Housing Finance Ltd has cut interest rates by 75 basis points, effective Jan.1, for its existing home loan borrowers after a reduction in its cost of funds.

New customers would continue to get loans at an offer rate of 9.25/9.75 percent for loans up to 2 million rupees.So with this reduced rates one can see he his dream home come true.

Best Home Loan Rates December 08

Mon, 12/08/2008 - 09:20 — admin

Do find attached the Home Loan rates (according to our research) for December 2008.

Best Home Loans Rates December 08

Best Home Loan Rates December 08
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
AXIS BANk	N.A	11%	0.5%	2%
ING VYSYA	N.A	11.5%	0.5%	2%
HDFC	11.25%	11.75%(above 30 lacs)	0.5%	2%
IDBI	12.5%(for 3 years)	10.75%	0.5%	2%
ICICI	15.75%	13.25%	0.5%	2%
SCB	11.75%	12%	0.25%	2%
LIC	11.50%	11.25%	0.5%(above 30 lacs .25%)	2%
Kotak	13% - 14%	N.A	0.5%	2%

Disclaimer: The actual rate(s) offered to you might differ from the ones quoted here. The above information has been collected from market sources and the authenticity of the same is not guaranteed by Deal4Loans.

See the Home Loan Rates for Nov 08

Best Home Loans Rates November 2008

Best Home Loans Rates November
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
AXIS BANK	N.A	11.25%	0.5%	2%
ICICI	13.25%	16.75%	0.5%	2%
ING VYSYA	N.A	11.75%	0.5%	2%
HDFC	11.25%	N.A	0.5%	2%
BHW BIRLA	12%	11.5%	0.5%	2%
CITI FINANCIAL	14.5%	14.5%	0.5%	2%
G.E MONEY	N.A	13.5%	0.5%	2%
IDBI	N.A	11.5%	0.5%	2%
SCB	11.75%	N.A	0.5%	2%
LIC	N.A	Salaried:11.25% Selfemployed:11.50%	0.5%	2%

See the Home Loan Rates for Oct 08

Bank Rates for Home Loans

Home Loan Rates for October 08
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
ICICI Bank	14%	Salaried:12% Self-Employed:12.25%	.5%	2%
ING VYSYA Bank	NA	11.5% - 11.75%	.5%	2% upto 1year , No Pre- Closure charges after 1 year
HDFC Bank	Salaried & self-Employed:14.5%	Salaried:11.25% upto 30 lacs, 11.75% above 30 lacs Self-Employed:12%	.5% upto 20 lacs, Rs.11,236/- above 20 lacs	No Prepayment charges if more than 25% of the prepayed else 2% of the amount outstanding
Kotak Bank	NA	13%	.5%	3%
Standard Chartered Bank	NA	11.75%	Rs.5,618/-	2.5%
SBI Bank	12.75%	10.75% - 11.25%	.25%	2%
Birla Home Finance	Salaried & Self-Employed:14.5%	Salaried:11.75% Self-Employed:11.75% - 12%	Salaried: .5% upto 20 lacs, Rs.6,180/- above 20 lacs Self-Employed: .5%	No Prepayment charges if more than 90% of the prepayed else 2% of the amount outstanding
LIC Housing Finance	13% for 2 years , 14% for 5 years	Salaried:11.25% - 11.5% Self-Employed:11.5%	1%	2%

See the Home Loan Rates for Sep 08

Home Loan Rates Sep08

Home Loan Rates Sep08
Bank	Fixed Rate	Floating Rate	Processing Fee
Axis Bank	14%	11.3%	.5% - 1%
ICICI Bank	15.5%	12%	.5%
ING VYSYA Bank	NA	Salaried:11.25% - 11.75% Self-Employed: 12.25%	.5%
IDBI Home Finance	13% for 3 years & 13.25% for 5 years	11.5%	.5%
HDFC Bank	Salaried: 14% Self-Employed: 14%	Salaried: 11.25% Self-Employed: 12%	.5% of Loan amount below 20 lacs & Rs.11,200 above 20 lacs
Citi Financial	15%	14%	2% of Loan amount
Kotak Bank	NA	12.75% - 13%	.5% of Loan amount
Standard Charted Bank	13.5% - 14%	12.25%	.5% - 1.5% of Loan amount
L.I.C.	14%	11.25% - 11.5%	.5% of Loan amount
SBI Bank	12.75% upto 30 lacs upto 10 years; 13.75% above 30 lacs upto 10 years	11.5% - 12% upto 30 lacs; 11.75% - 12.25% above 30 lacs & upto 75 lacs; 11.75% - 12.5% above 75 lacs	.5% of Loan amount

Best Home Loans Rates November 2008

Tue, 11/04/2008 - 10:47 — Priyanka

Do find attached the Home Loan rates (according to our research) for November 2008.

Best Home Loans Rates November 2008

Best Home Loans Rates November
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
AXIS BANK	N.A	11.25%	0.5%	2%
ICICI	13.25%	16.75%	0.5%	2%
ING VYSYA	N.A	11.75%	0.5%	2%
HDFC	11.25%	N.A	0.5%	2%
BHW BIRLA	12%	11.5%	0.5%	2%
CITI FINANCIAL	14.5%	14.5%	0.5%	2%
G.E MONEY	N.A	13.5%	0.5%	2%
IDBI	N.A	11.5%	0.5%	2%
SCB	11.75%	N.A	0.5%	2%
LIC	N.A	Salaried:11.25% Selfemployed:11.50%	0.5%	2%

Disclaimer: The actual rate(s) offered to you might differ from the ones quoted here. The above information has been collected from market sources and the authenticity of the same is not guaranteed by Deal4Loans.

See the Home Loan Rates for Oct 08

Bank Rates for Home Loans

Home Loan Rates for October 08
Bank	Fixed Rate	Floating Rate	Processing Fees	Pre-Closure Charges
ICICI Bank	14%	Salaried:12% Self-Employed:12.25%	.5%	2%
ING VYSYA Bank	NA	11.5% - 11.75%	.5%	2% upto 1year , No Pre- Closure charges after 1 year
HDFC Bank	Salaried & self-Employed:14.5%	Salaried:11.25% upto 30 lacs, 11.75% above 30 lacs Self-Employed:12%	.5% upto 20 lacs, Rs.11,236/- above 20 lacs	No Prepayment charges if more than 25% of the prepayed else 2% of the amount outstanding
Kotak Bank	NA	13%	.5%	3%
Standard Chartered Bank	NA	11.75%	Rs.5,618/-	2.5%
SBI Bank	12.75%	10.75% - 11.25%	.25%	2%
Birla Home Finance	Salaried & Self-Employed:14.5%	Salaried:11.75% Self-Employed:11.75% - 12%	Salaried: .5% upto 20 lacs, Rs.6,180/- above 20 lacs Self-Employed: .5%	No Prepayment charges if more than 90% of the prepayed else 2% of the amount outstanding
LIC Housing Finance	13% for 2 years , 14% for 5 years	Salaried:11.25% - 11.5% Self-Employed:11.5%	1%	2%

See the Home Loan Rates for Sep 08

Home Loan Rates Sep08

Home Loan Rates Sep08
Bank	Fixed Rate	Floating Rate	Processing Fee
Axis Bank	14%	11.3%	.5% - 1%
ICICI Bank	15.5%	12%	.5%
ING VYSYA Bank	NA	Salaried:11.25% - 11.75% Self-Employed: 12.25%	.5%
IDBI Home Finance	13% for 3 years & 13.25% for 5 years	11.5%	.5%
HDFC Bank	Salaried: 14% Self-Employed: 14%	Salaried: 11.25% Self-Employed: 12%	.5% of Loan amount below 20 lacs & Rs.11,200 above 20 lacs
Citi Financial	15%	14%	2% of Loan amount
Kotak Bank	NA	12.75% - 13%	.5% of Loan amount
Standard Charted Bank	13.5% - 14%	12.25%	.5% - 1.5% of Loan amount
L.I.C.	14%	11.25% - 11.5%	.5% of Loan amount
SBI Bank	12.75% upto 30 lacs upto 10 years; 13.75% above 30 lacs upto 10 years	11.5% - 12% upto 30 lacs; 11.75% - 12.25% above 30 lacs & upto 75 lacs; 11.75% - 12.5% above 75 lacs	.5% of Loan amount

Reverse Mortgage

Fri, 10/17/2008 - 11:13 — Mildred

With old age you have your own share of problems. As a person grows older, and his regular source of income dries up, his dependency on others can increase significantly. With health care expenses on the rise and little social security, living the golden years respectfully can be quite a challenge for senior citizens.

Read more

Home Loans- Good days ahead

Sat, 09/13/2008 - 11:34 — Upendra

In last few months the loans business has seen the downtrend.But with the last three weeks of Inflation data showing no upward trends, analysts feel the home loan rates has peaked.
With th festive season round the corner, market expects a demand in Housing loans.

Read more

Different Kinds of Home Loans

Sat, 09/13/2008 - 11:26 — Bhavana

To have one's own home is the dream of every person. Now that getting a home loan is so easy it seems everyone can fulfill his / her long cherished dream. There are different types of home loans tailored to suit your requirements. Here they are:-

Home Purchase Loans: A basic loan that you can avail when you are purchasing a new house.

Home Improvement Loans: With this loan you can repair or renovate your existing home.

Home Construction Loan: When you have purchased a land and now you want to construct your dream home, the Construction loan will help you in fulfilling your Dream.

Home Extension Loan: A loan which can help in expand or extend your existing home.

Read more

Best Home Loan Rates Sep 08

Wed, 09/10/2008 - 04:51 — admin

Do find attached the Home Loan rates (according to our research) for September 2008.

Home Loan Rates Sep08

Home Loan Rates Sep08
Bank	Fixed Rate	Floating Rate	Processing Fee
Axis Bank	14%	11.3%	.5% - 1%
ICICI Bank	15.5%	12%	.5%
ING VYSYA Bank	NA	Salaried:11.25% - 11.75% Self-Employed: 12.25%	.5%
IDBI Home Finance	13% for 3 years & 13.25% for 5 years	11.5%	.5%
HDFC Bank	Salaried: 14% Self-Employed: 14%	Salaried: 11.25% Self-Employed: 12%	.5% of Loan amount below 20 lacs & Rs.11,200 above 20 lacs
Citi Financial	15%	14%	2% of Loan amount
Kotak Bank	NA	12.75% - 13%	.5% of Loan amount
Standard Charted Bank	13.5% - 14%	12.25%	.5% - 1.5% of Loan amount
L.I.C.	14%	11.25% - 11.5%	.5% of Loan amount
SBI Bank	12.75% upto 30 lacs upto 10 years; 13.75% above 30 lacs upto 10 years	11.5% - 12% upto 30 lacs; 11.75% - 12.25% above 30 lacs & upto 75 lacs; 11.75% - 12.5% above 75 lacs	.5% of Loan amount

Disclaimer: The actual rate(s) offered to you might differ from the ones quoted here. The above information has been collected from market sources and the authenticity of the same is not guaranteed by Deal4Loans.

See the August 08 rates

Home Loan rates August08


Bank	Fixed Rate	Floating Rate	Processing Fees
Axis Bank	N.A.	11.75%	Minimum Rs.5618 or 0.50% of Loan Amount
INGVYSYA	13% for 3 Years	Salaried- Below 20 Lacs 11.5%; Above 20 Lacs 11.25% Self-Employed Below 20 Lacs 12.25% Above 20 Lacs 12%	Minimum Rs.5618 or 0.25% of Loan Amount
HDFC Bank	N.A.	Salaried- 11.75% Self-Employed- 12.00%	Min Rs 10000 or 0.25% of Loan Amount
CITI Bank	14%	11.75%	0.50% of Loan Amount + Service Tax
Standard Charted Bank	N.A.	11.75%	Minimum Rs.5000
Syndicate Bank	11.50%	11.50%	0.50% of Loan amount

Best Home Loan Rates- Aug 08

Mon, 07/21/2008 - 04:39 — admin

We at Deal4Loans have always aimed to find the best deals for your loan needs. Home Loan rates have seen an increase in the last few quarters and in this scenario it makes more sense to find out the rates being offered by each home loan provider. Do find attached the rates (according to our research) for July 2008.

Home Loan rates August08


Bank	Fixed Rate	Floating Rate	Processing Fees
Axis Bank	N.A.	11.75%	Minimum Rs.5618 or 0.50% of Loan Amount
INGVYSYA	13% for 3 Years	Salaried- Below 20 Lacs 11.5%; Above 20 Lacs 11.25% Self-Employed Below 20 Lacs 12.25% Above 20 Lacs 12%	Minimum Rs.5618 or 0.25% of Loan Amount
HDFC Bank	N.A.	Salaried- 11.75% Self-Employed- 12.00%	Min Rs 10000 or 0.25% of Loan Amount
CITI Bank	14%	11.75%	0.50% of Loan Amount + Service Tax
Standard Charted Bank	N.A.	11.75%	Minimum Rs.5000
Syndicate Bank	11.50%	11.50%	0.50% of Loan amount

Disclaimer: The actual rate(s) offered to you might differ from the ones quoted here. The above information has been collected from market sources and the authenticity of the same is not guaranteed by Deal4Loans.

See the July 08 rates

HomeLoan rates

Best Rates for Home Loans
Bank	Floating rate	Fixed rate	Processing Fees	File Charges
AXIS BANK	11	13	Minimum Rs.5618 or 0.50% of Loan Amount
Axis Bank	11.3%	14%	.5% - 1% of Loan amount
CITIBANK	Salaried -11.25 ; Self-Employed - 11.75	N.A.	0.50% of Loan Amount + Service Tax	0
Citi Financial	14%	15%	1.5% of Loan amount
Federal	11%- Below 30 Lacs & 10.75% Above 30 Lacs	13.75	0.50% of Loan Amount	0
HDFC	11	14	Min Rs 10000 or 0.25% of Loan Amount	0
HDFC Bank	Salaried - 10% Self-Employed - 11.25%	13%	.5% of Loan amount
IDBI Bank	11.5%	13% for 3yrs ; 13.5% for 5 yrs	.5% of Loan amount
IDBI Housing Finance	10.75	12	Minimum Rs.5618* or 0.50% of Loan Amount
INGVYSYA	11	N.A.	Minimum Rs.5618 or 0.25% of Processing Fee	0
ING VYSYA	Salaried - 11.75% Self-Employed - 12.25%	N.A.	.5% of Loan amount
LIC HOUSING	11	12.25 - For 2 yrs & 12.75- For 3 Yrs	Minimum Rs.5618 or 1% of Loam Amount	0

State Bank of India- SBI

Sun, 07/13/2008 - 17:57 — admin

State Bank of India is the biggest bank in the country with a wide physical presence.
SBI also has an impressive product portfolio.

SBI Credit cards

SBI Personal Loans- rates , eligibility & documents

Read more

BEST HOME LOAN RATES JULY 09

BEST HOME LOAN RATES JUNE 2009

BEST HOME LOAN RATES MAY 2009

BEST HOME LOAN RATES APRIL 2009

BEST HOME LOAN RATES MARCH 2009

BEST HOME LOAN RATES FEB 2009

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Best Home Loans Rates December 08

Best Home Loans Rates November 2008

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Home Loan Rates Sep08

BEST HOME LOAN RATES JUNE 2009

BEST HOME LOAN RATES MAY 2009

BEST HOME LOAN RATES APRIL 2009

BEST HOME LOAN RATES MARCH 2009

BEST HOME LOAN RATES FEB 2009

Best Home Loan Rates January 2009

Best Home Loans Rates December 08

Best Home Loans Rates November 2008

Bank Rates for Home Loans

Home Loan Rates Sep08

BEST HOME LOAN RATES MAY 2009

BEST HOME LOAN RATES APRIL 2009

BEST HOME LOAN RATES MARCH 2009

BEST HOME LOAN RATES FEB 2009

Best Home Loan Rates January 2009

Best Home Loans Rates December 08

Best Home Loans Rates November 2008

Bank Rates for Home Loans

Home Loan Rates Sep08

BEST HOME LOAN RATES APRIL 2009

BEST HOME LOAN RATES MARCH 2009

BEST HOME LOAN RATES FEB 2009

Best Home Loan Rates January 2009

Best Home Loans Rates December 08

Best Home Loans Rates November 2008

Bank Rates for Home Loans

Home Loan Rates Sep08

BEST HOME LOAN RATES MARCH 2009

BEST HOME LOAN RATES FEB 2009

Best Home Loan Rates January 2009

Best Home Loans Rates December 08

Best Home Loans Rates November 2008

Bank Rates for Home Loans

Home Loan Rates Sep08

BEST HOME LOAN RATES FEB 2009

Best Home Loan Rates January 2009

Best Home Loans Rates December 08

Best Home Loans Rates November 2008

Bank Rates for Home Loans

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Bank Rates for Home Loans

Home Loan Rates Sep08

Best Home Loans Rates November 2008

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