Loans

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.

Add new comment

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.

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

Add new comment

Best Loan Against Property Rates June 2009

Thu, 06/04/2009 - 07:15 — admin

Do find attached the Loan Against Property Rates (according to our research) for June 2009.

BEST LOAN AGAINST PROPERTY RATES JUNE 2009

Best Loan Against Property Rates 2009
Bank	Floating Rate	Processing Fee	Prepayment Charges
HDFC Bank	13%	1% of loan amount	2.5%
SCB	12.25%	1% of loan amount	2%
Deutsche Post Bank	13.5%	1% of loan amount	1%
ICICI Home Finance	13%	1%	Pre Part up to 90% No Charges,Closing Charge 2%
LIC Housing	12%	1%	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.

Add new comment

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

Add new comment

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

Add new comment

Best Loan Against Property Rates April 2009

Thu, 04/02/2009 - 06:05 — admin

Do find attached the Loan Against Property Rates (according to our research) for April 2009.

BEST LOAN AGAINST PROPERTY RATES APRIL 2009

Best Loan Against Property Rates 2009
Bank	Floating Rate	Processing Fee	Prepayment Charges
IDBI Ltd.	13.5%	1% of loan amount	Nil ; If Balance Transfer Case - 3%
HDFC Bank	13.5%	1% of loan amount	2.5%
Standard Chartered	13.5%	1% of loan amount	2.5%
Citi Financial	14.5%	1% - 1.5%	5%
ICICI Home Finance	15.5%	1% of loan amount	2% ; For 5 prepayments - no charges upto 90% of amount
Religare	16%	1% (deducted from disbursed amount)	4%
Barclays Bank	13.5%	1% 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.

Add new comment

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

Add new comment

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

Add new comment

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

Add new comment

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.

Tough to get a Credit from Bank’s

Sat, 12/27/2008 - 11:49 — Bhavana

Tough to get a Credit from Bank’s

Are you taking a loan for the right reason?

Wed, 11/19/2008 - 15:27 — Mildred

Nowadays availing of a loan could be very simple and the best option to meet your needs. But are we take the loan for the right purpose? This is the right time to ask this question. The interest rates on most floating rate loans, be it home, car or personal, are up by almost 3-4%. On the other hand, cost of living has gone up thanks to rise in inflation.

25% of income in EMI's spend by the middle class in the Metro's

Fri, 10/31/2008 - 11:58 — Mildred

Securing any kind of loan nowadays is much easier and simpler. Our needs and desires are hence full filled and accomplished. Almost every salaried or self-employed individual has an EMI commitment. This is common especially in the middle-class sector mostly in the metro cities.

How is EMI Calculated

Fri, 08/08/2008 - 04:46 — admin

EMI is the amount a loan taker pays every month to repay the overall loan. This amount can typically be broken down into two components

- Principal repayment :

Vijaya Bank

Wed, 07/23/2008 - 06:13 — Mildred

Vijaya Bank, was founded on 23rd October 1931 by late Shri A.B.Shetty and other enterprising farmers in Mangalore, Karnataka. The objective of the founders was essentially to promote banking habit, thrift and enterpreneurship among the farming community of Dakshina Kannada district in Karnataka State. The bank became a scheduled bank in 1958.

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

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 LOAN AGAINST PROPERTY RATES JUNE 2009

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 LOAN AGAINST PROPERTY RATES APRIL 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 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

Home Loan Rates Sep08

Other articles on ICICI

Other articles on SBI

Banking News

Navigation

User login