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Domestic scheduled commercial banks on a branch opening spree

Sat, 05/29/2010 - 07:10 — admin

RBI's new guidelines have given the domestic scheduled commercial banks a big fillip in their branch opening plans. As per the new guidelines, domestic scheduled commercial banks do not need explicit permission(license) to open new branches in cities with less than 50,000 population.
what this means for some of the banks
- PNB can open 440 more branches this year without bothering about RBI approval
- UCO plans to open 140 branches this year but would need licenses for only 89

Clearly, RBI wants the financial system to reach smaller towns & cities and this would be a big step in that direction.

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.

RBI gives in principle OK to Local Area Banks

Tue, 01/05/2010 - 05:05 — admin

The Raghuram Rajan Committee has recommended that RBI allow private companies to launch Local Area Banks (LABs) which will have a jurisdiction of 3 contigous districts.
This move which is aimed to increase the population under banking system will in all probability see a lot many financial institutions mushroom up in the semi-urban & rural areas.
The LABs will have an option to become small finance banks with a capital base below Rs 300 Crores if they show a good track record & want to raise their own deposits.

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.

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.

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.

Test your knowledge

Wed, 09/23/2009 - 03:33 — admin

Have fun @ Deal4Loans while testing your Loans Knowledge.
Play our two quizzes and see how you score

The Easy Loans Quiz

The Loans Quiz

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
BankFixed RateFloating RatesProcessing FeesPre Payment Charges
SBIupto -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 Finance8.9%(for 3 years)8.50%(upto 75 lacs),9.50%(above 75 lacs)1%2%
AXISN.A9%(up to 30 lacs),9.50%(above 30 lacs)0.50%N.A
IDBI BankN.A9%(up to 30 lacs),9.50%(above 30 lacs)0.5%N.A
HDFC BankN.A8.75%(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 TaxIf 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
Standard CharteredN.A9.25%(up to 3 crore),9%(above 3 crore)0.5%2%
Vijaya BankN.Aup 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 BankN.A9%(up to 30 lacs),9.75%(above 30 lacs)10000+10.30%0%
Ing VysyaN.A9.25%(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%
DHFLN.AFor 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 LtdN.A9.25%(below 30 lacs),9.75%(above 30 lacs)0.5%2%
Bank of BarodaUp 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
BankFixed RateFloating RateProcessing FeesPre Payment Charges
LIC Housing12.25%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 BankN.A9.25%(up to 30 lacs),9.75%(above 30 lacs)10000 (up to 20 lacs)N.A
HDFCN.ASalaried: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 TaxIf 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amoun
SBI Bankupto -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%
AXISN.A9.25%(up to 30 lacs),10.25%(above 30 lacs)0.50%N.A
DHFLN.AFor 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 Vysya12%9.25%(up to 20 lacs),9.75%(above 20 lacs)1%2%
ICICI Home financeN.A9.75%(up to 20 lacs),10%(between 20-30 lacs),11.5%(above 30 lacs)0.5%2%(Full payment), No Penalty (Part Payment)
Citi BankN.A9.75%-10.25%0.5%3%
Deutsche Post BankN.A9%(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%
SCBN.A9.5%0.25%(for salaried),0.5%(for self employed)2%
Union Bank8.5%8.5%(up to 5 lacs),9.25%(up to 20 lacs)),9.75%(between 20-30 lacs)0.5%2%
Canara Bank8.50%(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
BankFixed RateFloating RateProcessing feesPre Payment Charges
LIC Housing Finance12.25%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 BankN.ASalaried & 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 TaxIf 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
DHFLN.AFor 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 VYSYAN.A9.75%(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 Bankupto -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 BankN.A9.25%(up to 30 lacs),10.25%(above 30 lacs)0.50%N.A
Standard Chartered BankN.A9.5% - 10%.25% - .5% of loan amount2%
ICICI Home FinanceN.Aupto 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)
PNBBelow 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)0.52%
DenaN.A11.75%0.5%2%
IDBI bankN.A9.25%(up to 30 lacs),9.75%(above 30 lacs)10000 (up to 20 lacs)N.A
Citi Bank----
Federal BankN.A10%0.5%2%
Kotak----
ICICI Bank Ltd----
Barclays BankN.A10%(up to 20 lacs),10.5%(above 20 lacs)0.25%2%
Deutsche Post BankN.A9.5%(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 BankN.A10.75%0.5%2%


See the Home Loan Rates for April 09


BEST HOME LOAN RATES APRIL 2009

Best Home loan Rates April 2009
BankFixed RateFloating RateProcessing FeesPre Payment Charges
LIC Housing Finance12.25%8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),1%2%
HDFCN.ASalaried & 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 TaxIf 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
DHFLN.AFor 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 VysyaN.A9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)0.5%N.A
DeutscheN.A9.75%(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 BankN.A10.75%0.5%2%
IDBI Bank Ltd.N.A9.25%(less than 20 lacs),10.75% (above 20 lacs)9.25%(less than 20 lacs),10.75% (above 20 lacs)N.A
SBIupto 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 BankN.A10%(up to 20 lacs),10.5%(above 20 lacs)0.25%2%
DenaN.A11.75%0.5%2%
PNBBelow 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 FinanceN.Aupto 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 Ltd16%Upto 20 lacs - 11.25%, Above 20 lacs - 12.75%0.5%2%
KotakN.ASalaried:11% - 11.5% ; Semp:11.5% - 12%0.5%2%
Axis BankN.A9.75%(up to 30 lacs),10.50%(up to 1 crore),10.75%(above 1 crore)0.50%N.A
Citi BankN.A10.75%-11.25%0.25%-0.5%2%-4%
Federal BankN.A10%0.5%2%
Standard Chartered BankN.A.9.5% - 10%.25% - .5% of loan amount2%



See the Home Loan Rates for March 09


BEST HOME LOAN RATES MARCH 2009

Best Home Loan Rates 2009
BankFixed RateFloating RateProcessing FeePre Payment Charges
DHFLN.AFor 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 Finance12.25%8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),1%2%
HDFCN.ASalaried & 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 TaxIf 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
ING VysyaN.A9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)0.5%N.A
DeutscheN.A9.75%(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 BankN.A10.75%0.5%2%
IDBI Bank Ltd.N.A9.25%(less than 20 lacs),10.75% (above 20 lacs)10000 upto 20 lacsN.A
SBIupto 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%
DenaN.A11.75%0.5%2%
PNBBelow 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
BankFixed RateFloating RateProcessing FeesPre Closure Charges
IDBI BankN.A9.25%(less than 20 lacs),10.75% (above 20 lacs)10000 upto 20 lacsN.A
AXISN.A9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases0.5%N.A
HDFC14%(for 1 to 20Yrs)Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)0.5%2%
DeutscheN.A9.75%(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 Finance14%9.75%(Below 20 lacs),10.75%(20 lacs & above)0.5% of Loan amount + Service Tax(12.36%)N.A
LIC Housing13%(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%
DenaN.A11.25%0.5%2%
Union BankN.A11.25%0.5%2%
PNBBelow 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%
SBIupto 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 VYSYAN.A.Below 20 lacs - 9.75% ; Above 20 lacs - 10.75%0.5%2%
DHFLN.AFor 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
BankFixed RateFloating RateProcessing FeePre-Closure Charges
IDBIN.A9.25%(below 20 lacs) & 10.75%(above 20 lacs)10000 (upto 20 lacs)N.A
HDFC14%(for 1 to 20Yrs)Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)0.5%2%
AXISN.A9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases0.5%N.A
LIC Housing13%(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 HyderabadN.A9.25%(up to 20 lacs),9.75%(above 20 lacs)0.5%2%-3%
SCB11.75%N.A0.5%2.5%
DeutscheN.A11.75%0.5%(For selfemployed), 0.25%(for Salaried)2%
HSBCN.A12.5%0.5%25% of the Principal amount without penalty & after that 2.5%
ING VYSYAN.A10%(upto 20 lacs),10.75%(above 20 lacs)11236/-2%
SBI11.25%(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
DHFLN.A11.25%0.5%2%
Union BankN.A11.25%0.5%2%
Dena BankN.A11.25%0.5%2%
UCON.A11.25%0.5%2%
Bank of BarodaUpto 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 Bank16%(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
BankFixed RateFloating RateProcessing FeesPre-Closure Charges
AXIS BANkN.A11%0.5%2%
ING VYSYAN.A11.5%0.5%2%
HDFC11.25%11.75%(above 30 lacs)0.5%2%
IDBI12.5%(for 3 years)10.75%0.5%2%
ICICI15.75%13.25%0.5%2%
SCB11.75%12%0.25%2%
LIC11.50%11.25%0.5%(above 30 lacs .25%)2%
Kotak13% - 14%N.A0.5%2%


See the Home Loan Rates for Nov 08


Best Home Loans Rates November 2008

Best Home Loans Rates November
BankFixed RateFloating RateProcessing FeesPre-Closure Charges
AXIS BANKN.A11.25%0.5%2%
ICICI13.25%16.75%0.5%2%
ING VYSYAN.A11.75%0.5%2%
HDFC11.25%N.A0.5%2%
BHW BIRLA12%11.5%0.5%2%
CITI FINANCIAL14.5%14.5%0.5%2%
G.E MONEYN.A13.5%0.5%2%
IDBIN.A11.5%0.5%2%
SCB11.75%N.A0.5%2%
LICN.ASalaried: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 Bank14%Salaried:12% Self-Employed:12.25%.5%2%
ING VYSYA BankNA11.5% - 11.75%.5%2% upto 1year , No Pre- Closure charges after 1 year
HDFC BankSalaried & 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 lacsNo Prepayment charges if more than 25% of the prepayed else 2% of the amount outstanding
Kotak BankNA13%.5%3%
Standard Chartered BankNA11.75%Rs.5,618/-2.5%
SBI Bank12.75%10.75% - 11.25%.25%2%
Birla Home FinanceSalaried & 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 Finance13% for 2 years , 14% for 5 yearsSalaried: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
BankFixed RateFloating RateProcessing Fee
Axis Bank14%11.3%.5% - 1%
ICICI Bank15.5%12%.5%
ING VYSYA BankNASalaried:11.25% - 11.75% Self-Employed: 12.25%.5%
IDBI Home Finance13% for 3 years & 13.25% for 5 years11.5%.5%
HDFC BankSalaried: 14% Self-Employed: 14%Salaried: 11.25% Self-Employed: 12%.5% of Loan amount below 20 lacs & Rs.11,200 above 20 lacs
Citi Financial15%14%2% of Loan amount
Kotak BankNA12.75% - 13%.5% of Loan amount
Standard Charted Bank13.5% - 14%12.25%.5% - 1.5% of Loan amount
L.I.C.14%11.25% - 11.5%.5% of Loan amount
SBI Bank12.75% upto 30 lacs upto 10 years; 13.75% above 30 lacs upto 10 years11.5% - 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
BankFixed RateFloating RateProcessing FeesPre Payment Charges
LIC Housing12.25%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 BankN.A9.25%(up to 30 lacs),9.75%(above 30 lacs)10000 (up to 20 lacs)N.A
HDFCN.ASalaried: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 TaxIf 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amoun
SBI Bankupto -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%
AXISN.A9.25%(up to 30 lacs),10.25%(above 30 lacs)0.50%N.A
DHFLN.AFor 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 Vysya12%9.25%(up to 20 lacs),9.75%(above 20 lacs)1%2%
ICICI Home financeN.A9.75%(up to 20 lacs),10%(between 20-30 lacs),11.5%(above 30 lacs)0.5%2%(Full payment), No Penalty (Part Payment)
Citi BankN.A9.75%-10.25%0.5%3%
Deutsche Post BankN.A9%(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%
SCBN.A9.5%0.25%(for salaried),0.5%(for self employed)2%
Union Bank8.5%8.5%(up to 5 lacs),9.25%(up to 20 lacs)),9.75%(between 20-30 lacs)0.5%2%
Canara Bank8.50%(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
BankFixed RateFloating RateProcessing feesPre Payment Charges
LIC Housing Finance12.25%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 BankN.ASalaried & 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 TaxIf 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
DHFLN.AFor 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 VYSYAN.A9.75%(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 Bankupto -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 BankN.A9.25%(up to 30 lacs),10.25%(above 30 lacs)0.50%N.A
Standard Chartered BankN.A9.5% - 10%.25% - .5% of loan amount2%
ICICI Home FinanceN.Aupto 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)
PNBBelow 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)0.52%
DenaN.A11.75%0.5%2%
IDBI bankN.A9.25%(up to 30 lacs),9.75%(above 30 lacs)10000 (up to 20 lacs)N.A
Citi Bank----
Federal BankN.A10%0.5%2%
Kotak----
ICICI Bank Ltd----
Barclays BankN.A10%(up to 20 lacs),10.5%(above 20 lacs)0.25%2%
Deutsche Post BankN.A9.5%(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 BankN.A10.75%0.5%2%


See the Home Loan Rates for April 09


BEST HOME LOAN RATES APRIL 2009

Best Home loan Rates April 2009
BankFixed RateFloating RateProcessing FeesPre Payment Charges
LIC Housing Finance12.25%8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),1%2%
HDFCN.ASalaried & 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 TaxIf 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
DHFLN.AFor 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 VysyaN.A9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)0.5%N.A
DeutscheN.A9.75%(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 BankN.A10.75%0.5%2%
IDBI Bank Ltd.N.A9.25%(less than 20 lacs),10.75% (above 20 lacs)9.25%(less than 20 lacs),10.75% (above 20 lacs)N.A
SBIupto 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 BankN.A10%(up to 20 lacs),10.5%(above 20 lacs)0.25%2%
DenaN.A11.75%0.5%2%
PNBBelow 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 FinanceN.Aupto 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 Ltd16%Upto 20 lacs - 11.25%, Above 20 lacs - 12.75%0.5%2%
KotakN.ASalaried:11% - 11.5% ; Semp:11.5% - 12%0.5%2%
Axis BankN.A9.75%(up to 30 lacs),10.50%(up to 1 crore),10.75%(above 1 crore)0.50%N.A
Citi BankN.A10.75%-11.25%0.25%-0.5%2%-4%
Federal BankN.A10%0.5%2%
Standard Chartered BankN.A.9.5% - 10%.25% - .5% of loan amount2%



See the Home Loan Rates for March 09


BEST HOME LOAN RATES MARCH 2009

Best Home Loan Rates 2009
BankFixed RateFloating RateProcessing FeePre Payment Charges
DHFLN.AFor 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 Finance12.25%8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),1%2%
HDFCN.ASalaried & 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 TaxIf 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
ING VysyaN.A9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)0.5%N.A
DeutscheN.A9.75%(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 BankN.A10.75%0.5%2%
IDBI Bank Ltd.N.A9.25%(less than 20 lacs),10.75% (above 20 lacs)10000 upto 20 lacsN.A
SBIupto 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%
DenaN.A11.75%0.5%2%
PNBBelow 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
BankFixed RateFloating RateProcessing FeesPre Closure Charges
IDBI BankN.A9.25%(less than 20 lacs),10.75% (above 20 lacs)10000 upto 20 lacsN.A
AXISN.A9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases0.5%N.A
HDFC14%(for 1 to 20Yrs)Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)0.5%2%
DeutscheN.A9.75%(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 Finance14%9.75%(Below 20 lacs),10.75%(20 lacs & above)0.5% of Loan amount + Service Tax(12.36%)N.A
LIC Housing13%(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%
DenaN.A11.25%0.5%2%
Union BankN.A11.25%0.5%2%
PNBBelow 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%
SBIupto 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 VYSYAN.A.Below 20 lacs - 9.75% ; Above 20 lacs - 10.75%0.5%2%
DHFLN.AFor 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
BankFixed RateFloating RateProcessing FeePre-Closure Charges
IDBIN.A9.25%(below 20 lacs) & 10.75%(above 20 lacs)10000 (upto 20 lacs)N.A
HDFC14%(for 1 to 20Yrs)Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)0.5%2%
AXISN.A9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases0.5%N.A
LIC Housing13%(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 HyderabadN.A9.25%(up to 20 lacs),9.75%(above 20 lacs)0.5%2%-3%
SCB11.75%N.A0.5%2.5%
DeutscheN.A11.75%0.5%(For selfemployed), 0.25%(for Salaried)2%
HSBCN.A12.5%0.5%25% of the Principal amount without penalty & after that 2.5%
ING VYSYAN.A10%(upto 20 lacs),10.75%(above 20 lacs)11236/-2%
SBI11.25%(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
DHFLN.A11.25%0.5%2%
Union BankN.A11.25%0.5%2%
Dena BankN.A11.25%0.5%2%
UCON.A11.25%0.5%2%
Bank of BarodaUpto 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 Bank16%(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
BankFixed RateFloating RateProcessing FeesPre-Closure Charges
AXIS BANkN.A11%0.5%2%
ING VYSYAN.A11.5%0.5%2%
HDFC11.25%11.75%(above 30 lacs)0.5%2%
IDBI12.5%(for 3 years)10.75%0.5%2%
ICICI15.75%13.25%0.5%2%
SCB11.75%12%0.25%2%
LIC11.50%11.25%0.5%(above 30 lacs .25%)2%
Kotak13% - 14%N.A0.5%2%


See the Home Loan Rates for Nov 08


Best Home Loans Rates November 2008

Best Home Loans Rates November
BankFixed RateFloating RateProcessing FeesPre-Closure Charges
AXIS BANKN.A11.25%0.5%2%
ICICI13.25%16.75%0.5%2%
ING VYSYAN.A11.75%0.5%2%
HDFC11.25%N.A0.5%2%
BHW BIRLA12%11.5%0.5%2%
CITI FINANCIAL14.5%14.5%0.5%2%
G.E MONEYN.A13.5%0.5%2%
IDBIN.A11.5%0.5%2%
SCB11.75%N.A0.5%2%
LICN.ASalaried: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 Bank14%Salaried:12% Self-Employed:12.25%.5%2%
ING VYSYA BankNA11.5% - 11.75%.5%2% upto 1year , No Pre- Closure charges after 1 year
HDFC BankSalaried & 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 lacsNo Prepayment charges if more than 25% of the prepayed else 2% of the amount outstanding
Kotak BankNA13%.5%3%
Standard Chartered BankNA11.75%Rs.5,618/-2.5%
SBI Bank12.75%10.75% - 11.25%.25%2%
Birla Home FinanceSalaried & 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 Finance13% for 2 years , 14% for 5 yearsSalaried: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
BankFixed RateFloating RateProcessing Fee
Axis Bank14%11.3%.5% - 1%
ICICI Bank15.5%12%.5%
ING VYSYA BankNASalaried:11.25% - 11.75% Self-Employed: 12.25%.5%
IDBI Home Finance13% for 3 years & 13.25% for 5 years11.5%.5%
HDFC BankSalaried: 14% Self-Employed: 14%Salaried: 11.25% Self-Employed: 12%.5% of Loan amount below 20 lacs & Rs.11,200 above 20 lacs
Citi Financial15%14%2% of Loan amount
Kotak BankNA12.75% - 13%.5% of Loan amount
Standard Charted Bank13.5% - 14%12.25%.5% - 1.5% of Loan amount
L.I.C.14%11.25% - 11.5%.5% of Loan amount
SBI Bank12.75% upto 30 lacs upto 10 years; 13.75% above 30 lacs upto 10 years11.5% - 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
BankFixed RateFloating RateProcessing feesPre Payment Charges
LIC Housing Finance12.25%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 BankN.ASalaried & 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 TaxIf 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
DHFLN.AFor 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 VYSYAN.A9.75%(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 Bankupto -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 BankN.A9.25%(up to 30 lacs),10.25%(above 30 lacs)0.50%N.A
Standard Chartered BankN.A9.5% - 10%.25% - .5% of loan amount2%
ICICI Home FinanceN.Aupto 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)
PNBBelow 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)0.52%
DenaN.A11.75%0.5%2%
IDBI bankN.A9.25%(up to 30 lacs),9.75%(above 30 lacs)10000 (up to 20 lacs)N.A
Citi Bank----
Federal BankN.A10%0.5%2%
Kotak----
ICICI Bank Ltd----
Barclays BankN.A10%(up to 20 lacs),10.5%(above 20 lacs)0.25%2%
Deutsche Post BankN.A9.5%(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 BankN.A10.75%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
BankFixed RateFloating RateProcessing FeesPre Payment Charges
LIC Housing Finance12.25%8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),1%2%
HDFCN.ASalaried & 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 TaxIf 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
DHFLN.AFor 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 VysyaN.A9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)0.5%N.A
DeutscheN.A9.75%(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 BankN.A10.75%0.5%2%
IDBI Bank Ltd.N.A9.25%(less than 20 lacs),10.75% (above 20 lacs)9.25%(less than 20 lacs),10.75% (above 20 lacs)N.A
SBIupto 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 BankN.A10%(up to 20 lacs),10.5%(above 20 lacs)0.25%2%
DenaN.A11.75%0.5%2%
PNBBelow 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 FinanceN.Aupto 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 Ltd16%Upto 20 lacs - 11.25%, Above 20 lacs - 12.75%0.5%2%
KotakN.ASalaried:11% - 11.5% ; Semp:11.5% - 12%0.5%2%
Axis BankN.A9.75%(up to 30 lacs),10.50%(up to 1 crore),10.75%(above 1 crore)0.50%N.A
Citi BankN.A10.75%-11.25%0.25%-0.5%2%-4%
Federal BankN.A10%0.5%2%
Standard Chartered BankN.A.9.5% - 10%.25% - .5% of loan amount2%



See the Home Loan Rates for March 09


BEST HOME LOAN RATES MARCH 2009

Best Home Loan Rates 2009
BankFixed RateFloating RateProcessing FeePre Payment Charges
DHFLN.AFor 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 Finance12.25%8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),1%2%
HDFCN.ASalaried & 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 TaxIf 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
ING VysyaN.A9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)0.5%N.A
DeutscheN.A9.75%(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 BankN.A10.75%0.5%2%
IDBI Bank Ltd.N.A9.25%(less than 20 lacs),10.75% (above 20 lacs)10000 upto 20 lacsN.A
SBIupto 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%
DenaN.A11.75%0.5%2%
PNBBelow 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
BankFixed RateFloating RateProcessing FeesPre Closure Charges
IDBI BankN.A9.25%(less than 20 lacs),10.75% (above 20 lacs)10000 upto 20 lacsN.A
AXISN.A9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases0.5%N.A
HDFC14%(for 1 to 20Yrs)Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)0.5%2%
DeutscheN.A9.75%(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 Finance14%9.75%(Below 20 lacs),10.75%(20 lacs & above)0.5% of Loan amount + Service Tax(12.36%)N.A
LIC Housing13%(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%
DenaN.A11.25%0.5%2%
Union BankN.A11.25%0.5%2%
PNBBelow 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%
SBIupto 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 VYSYAN.A.Below 20 lacs - 9.75% ; Above 20 lacs - 10.75%0.5%2%
DHFLN.AFor 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
BankFixed RateFloating RateProcessing FeePre-Closure Charges
IDBIN.A9.25%(below 20 lacs) & 10.75%(above 20 lacs)10000 (upto 20 lacs)N.A
HDFC14%(for 1 to 20Yrs)Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)0.5%2%
AXISN.A9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases0.5%N.A
LIC Housing13%(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 HyderabadN.A9.25%(up to 20 lacs),9.75%(above 20 lacs)0.5%2%-3%
SCB11.75%N.A0.5%2.5%
DeutscheN.A11.75%0.5%(For selfemployed), 0.25%(for Salaried)2%
HSBCN.A12.5%0.5%25% of the Principal amount without penalty & after that 2.5%
ING VYSYAN.A10%(upto 20 lacs),10.75%(above 20 lacs)11236/-2%
SBI11.25%(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
DHFLN.A11.25%0.5%2%
Union BankN.A11.25%0.5%2%
Dena BankN.A11.25%0.5%2%
UCON.A11.25%0.5%2%
Bank of BarodaUpto 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 Bank16%(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
BankFixed RateFloating RateProcessing FeesPre-Closure Charges
AXIS BANkN.A11%0.5%2%
ING VYSYAN.A11.5%0.5%2%
HDFC11.25%11.75%(above 30 lacs)0.5%2%
IDBI12.5%(for 3 years)10.75%0.5%2%
ICICI15.75%13.25%0.5%2%
SCB11.75%12%0.25%2%
LIC11.50%11.25%0.5%(above 30 lacs .25%)2%
Kotak13% - 14%N.A0.5%2%


See the Home Loan Rates for Nov 08


Best Home Loans Rates November 2008

Best Home Loans Rates November
BankFixed RateFloating RateProcessing FeesPre-Closure Charges
AXIS BANKN.A11.25%0.5%2%
ICICI13.25%16.75%0.5%2%
ING VYSYAN.A11.75%0.5%2%
HDFC11.25%N.A0.5%2%
BHW BIRLA12%11.5%0.5%2%
CITI FINANCIAL14.5%14.5%0.5%2%
G.E MONEYN.A13.5%0.5%2%
IDBIN.A11.5%0.5%2%
SCB11.75%N.A0.5%2%
LICN.ASalaried: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 Bank14%Salaried:12% Self-Employed:12.25%.5%2%
ING VYSYA BankNA11.5% - 11.75%.5%2% upto 1year , No Pre- Closure charges after 1 year
HDFC BankSalaried & 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 lacsNo Prepayment charges if more than 25% of the prepayed else 2% of the amount outstanding
Kotak BankNA13%.5%3%
Standard Chartered BankNA11.75%Rs.5,618/-2.5%
SBI Bank12.75%10.75% - 11.25%.25%2%
Birla Home FinanceSalaried & 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 Finance13% for 2 years , 14% for 5 yearsSalaried: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
BankFixed RateFloating RateProcessing Fee
Axis Bank14%11.3%.5% - 1%
ICICI Bank15.5%12%.5%
ING VYSYA BankNASalaried:11.25% - 11.75% Self-Employed: 12.25%.5%
IDBI Home Finance13% for 3 years & 13.25% for 5 years11.5%.5%
HDFC BankSalaried: 14% Self-Employed: 14%Salaried: 11.25% Self-Employed: 12%.5% of Loan amount below 20 lacs & Rs.11,200 above 20 lacs
Citi Financial15%14%2% of Loan amount
Kotak BankNA12.75% - 13%.5% of Loan amount
Standard Charted Bank13.5% - 14%12.25%.5% - 1.5% of Loan amount
L.I.C.14%11.25% - 11.5%.5% of Loan amount
SBI Bank12.75% upto 30 lacs upto 10 years; 13.75% above 30 lacs upto 10 years11.5% - 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
BankFixed RateFloating RateProcessing FeesPre Payment Charges
LIC Housing Finance12.25%8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),1%2%
HDFCN.ASalaried & 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 TaxIf 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
DHFLN.AFor 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 VysyaN.A9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)0.5%N.A
DeutscheN.A9.75%(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 BankN.A10.75%0.5%2%
IDBI Bank Ltd.N.A9.25%(less than 20 lacs),10.75% (above 20 lacs)9.25%(less than 20 lacs),10.75% (above 20 lacs)N.A
SBIupto 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 BankN.A10%(up to 20 lacs),10.5%(above 20 lacs)0.25%2%
DenaN.A11.75%0.5%2%
PNBBelow 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 FinanceN.Aupto 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 Ltd16%Upto 20 lacs - 11.25%, Above 20 lacs - 12.75%0.5%2%
KotakN.ASalaried:11% - 11.5% ; Semp:11.5% - 12%0.5%2%
Axis BankN.A9.75%(up to 30 lacs),10.50%(up to 1 crore),10.75%(above 1 crore)0.50%N.A
Citi BankN.A10.75%-11.25%0.25%-0.5%2%-4%
Federal BankN.A10%0.5%2%
Standard Chartered BankN.A.9.5% - 10%.25% - .5% of loan amount2%


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
BankFixed RateFloating RateProcessing FeePre Payment Charges
DHFLN.AFor 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 Finance12.25%8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),1%2%
HDFCN.ASalaried & 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 TaxIf 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
ING VysyaN.A9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)0.5%N.A
DeutscheN.A9.75%(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 BankN.A10.75%0.5%2%
IDBI Bank Ltd.N.A9.25%(less than 20 lacs),10.75% (above 20 lacs)10000 upto 20 lacsN.A
SBIupto 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%
DenaN.A11.75%0.5%2%
PNBBelow 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
BankFixed RateFloating RateProcessing FeesPre Closure Charges
IDBI BankN.A9.25%(less than 20 lacs),10.75% (above 20 lacs)10000 upto 20 lacsN.A
AXISN.A9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases0.5%N.A
HDFC14%(for 1 to 20Yrs)Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)0.5%2%
DeutscheN.A9.75%(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 Finance14%9.75%(Below 20 lacs),10.75%(20 lacs & above)0.5% of Loan amount + Service Tax(12.36%)N.A
LIC Housing13%(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%
DenaN.A11.25%0.5%2%
Union BankN.A11.25%0.5%2%
PNBBelow 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%
SBIupto 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 VYSYAN.A.Below 20 lacs - 9.75% ; Above 20 lacs - 10.75%0.5%2%
DHFLN.AFor 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
BankFixed RateFloating RateProcessing FeePre-Closure Charges
IDBIN.A9.25%(below 20 lacs) & 10.75%(above 20 lacs)10000 (upto 20 lacs)N.A
HDFC14%(for 1 to 20Yrs)Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)0.5%2%
AXISN.A9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases0.5%N.A
LIC Housing13%(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 HyderabadN.A9.25%(up to 20 lacs),9.75%(above 20 lacs)0.5%2%-3%
SCB11.75%N.A0.5%2.5%
DeutscheN.A11.75%0.5%(For selfemployed), 0.25%(for Salaried)2%
HSBCN.A12.5%0.5%25% of the Principal amount without penalty & after that 2.5%
ING VYSYAN.A10%(upto 20 lacs),10.75%(above 20 lacs)11236/-2%
SBI11.25%(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
DHFLN.A11.25%0.5%2%
Union BankN.A11.25%0.5%2%
Dena BankN.A11.25%0.5%2%
UCON.A11.25%0.5%2%
Bank of BarodaUpto 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 Bank16%(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
BankFixed RateFloating RateProcessing FeesPre-Closure Charges
AXIS BANkN.A11%0.5%2%
ING VYSYAN.A11.5%0.5%2%
HDFC11.25%11.75%(above 30 lacs)0.5%2%
IDBI12.5%(for 3 years)10.75%0.5%2%
ICICI15.75%13.25%0.5%2%
SCB11.75%12%0.25%2%
LIC11.50%11.25%0.5%(above 30 lacs .25%)2%
Kotak13% - 14%N.A0.5%2%


See the Home Loan Rates for Nov 08


Best Home Loans Rates November 2008

Best Home Loans Rates November
BankFixed RateFloating RateProcessing FeesPre-Closure Charges
AXIS BANKN.A11.25%0.5%2%
ICICI13.25%16.75%0.5%2%
ING VYSYAN.A11.75%0.5%2%
HDFC11.25%N.A0.5%2%
BHW BIRLA12%11.5%0.5%2%
CITI FINANCIAL14.5%14.5%0.5%2%
G.E MONEYN.A13.5%0.5%2%
IDBIN.A11.5%0.5%2%
SCB11.75%N.A0.5%2%
LICN.ASalaried: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 Bank14%Salaried:12% Self-Employed:12.25%.5%2%
ING VYSYA BankNA11.5% - 11.75%.5%2% upto 1year , No Pre- Closure charges after 1 year
HDFC BankSalaried & 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 lacsNo Prepayment charges if more than 25% of the prepayed else 2% of the amount outstanding
Kotak BankNA13%.5%3%
Standard Chartered BankNA11.75%Rs.5,618/-2.5%
SBI Bank12.75%10.75% - 11.25%.25%2%
Birla Home FinanceSalaried & 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 Finance13% for 2 years , 14% for 5 yearsSalaried: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
BankFixed RateFloating RateProcessing Fee
Axis Bank14%11.3%.5% - 1%
ICICI Bank15.5%12%.5%
ING VYSYA BankNASalaried:11.25% - 11.75% Self-Employed: 12.25%.5%
IDBI Home Finance13% for 3 years & 13.25% for 5 years11.5%.5%
HDFC BankSalaried: 14% Self-Employed: 14%Salaried: 11.25% Self-Employed: 12%.5% of Loan amount below 20 lacs & Rs.11,200 above 20 lacs
Citi Financial15%14%2% of Loan amount
Kotak BankNA12.75% - 13%.5% of Loan amount
Standard Charted Bank13.5% - 14%12.25%.5% - 1.5% of Loan amount
L.I.C.14%11.25% - 11.5%.5% of Loan amount
SBI Bank12.75% upto 30 lacs upto 10 years; 13.75% above 30 lacs upto 10 years11.5% - 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

Few things to remember while transfer your Home loan to another Bank

Wed, 04/01/2009 - 12:31 — Neha

Few things to remember while transfer your Home loan to another Bank

In the last couple of months all the Banks reduced their rate of interest on Home loan and offer the home loan with attractive rate of interest for fresh borrowers & for existing customers also. As a result many existing home loan borrower want to switch off their home loan to another bank.

Apply for a home loan now!!

Fri, 03/27/2009 - 09:40 — Mildred
Apply for a home loan now!!

At deal4loans get comparative rates on home loans.Also a hassle free way of applying for a loan. Just log on to our website deal4loans.com

ICICI Bank Loan Against Property

Thu, 03/26/2009 - 07:21 — Hina

ICICI Loan Against Property|Icici lap

Loan Against property is the ideal line of attack to use your property in many ways. It is the perfect way to fulfill your aspirations.
ICICI Home Finance Loan Against Property helps you to fund at your disposal by providing you a loan against the security of your accessing property with lesser interest rates & with a contended pay back period.

Features :

  • Attractive Interest Rates.
  • No fee on part prepayment.
  • Insurance options at attractive premium.
  • Service at your Doorstep.

Citi Bank Home Loan features and Benefits

Wed, 03/25/2009 - 09:29 — Neha

Citi Bank Home Loan Features & Eligibility

Now it’s the right time to buy Home loan & dream of your own home in India is possible.Citi Bank offering you the home loan with its attractive rate of interest and give preferred choice to their customer’s also

HSBC Bank Home Loan

Sat, 03/21/2009 - 12:57 — Neha

HSBC BankHome Loan

If you think about your dream home so this is the right time to fulfill your dream & HSBC Bank help you to fulfill your dreams by providing you the Home Loan with its attractive features & benefits

HSBC Bank Features & Benefits

  • HSBC bank offering loan ranging from Rs.5 lakh to up to Rs.3 crore with a maximum tenure of 25 years

LIC Housing reduces Home Loan Rates Third time effective from April 1

Tue, 03/17/2009 - 11:22 — Hina

LIC Housing reduces Home Loan Rates Third time effective from April 1

One of the leading housing finance company LIC has slashed down its home loan rates third time on Monday which will be effective from April 1. The rates has been reduced for the existing customers by 0.75 percent effective from April 1.

Is cheque repayment better or ECS ?

Mon, 03/16/2009 - 11:08 — Mildred

Once you apply for a loan and fill in the form , the bank normally gives you two options to make a repayment either through (electronic clearing systems ) ECS or a cheque payment. Customers normally choose an ECS payment as it is hassle free. An ECS payment is done by the bank . It is a transfer of payment from one bank to another without the involvement of the customer.

Reduced home loan rates for ICICI bank

Fri, 03/06/2009 - 10:25 — Mildred

After State bank Of India and Canara Bank who have reduced their interest rates on home loan , to follow suit ICICI bank has also reduced their home loan rates. ICICI bank is the first private sector bank to make this move.

The new home loan interest rates for customers would be:-

Loan less than Rs20 lakh - 9.75% , compared to 10% previously

From Rs20-30 lakh – 10% , compared to 10.5% previously

For Rs30 lakh and above – 11.5%, compared to 12% previously

However the above rates are only for new borrowers.

Missed a loan repayment?

Fri, 03/06/2009 - 10:06 — Mildred

We may miss our loan repayment at times due to unavoidable circumstances , like an unexpected medical expense may come up, loss of job , or any other unforeseen situation. Due to this default our credit rating gets affected. And in future availing of any kind of loan or credit card can be difficult.

Canara Bank Home Loans

Thu, 03/05/2009 - 06:24 — Neha

Canara Bank Home Loan

Now after SBI, PNB & IDBI Canara Bank also reduced the rate of interest on home loan and giving a better opportunity to home loan borrower to buy a house at an affordable price.

Canara bank has taken one step further than SBI, SBI Bank charge 8% rate of interest for first year and would change the interest rate from second year.

Canara Bank is now offering a fixed rate of 8.25% for the first year, and a Fixed rate of 9.25% from the second to fifth year. Not only this but from the sixth to the twentieth year this Fixed Rate would be 200 basis points below the prevailing PLR Rate prevailing at that time.

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
BankFixed RateFloating RateProcessing FeePre Payment Charges
DHFLN.AFor 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 Finance12.25%8.75%(Upto 30 lacs),9.75%(Above 30 lacs to 75 lacs),10.75%(above 75 lacs to 1.5 crores),1%2%
HDFCN.ASalaried & 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 TaxIf 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount
ING VysyaN.A9.75%(Upto 20 lacs),10.5%(Above 20 lacs to 30 lacs),10.75%(above 30 lacs)0.5%N.A
DeutscheN.A9.75%(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 BankN.A10.75%0.5%2%
IDBI Bank Ltd.N.A9.25%(less than 20 lacs),10.75% (above 20 lacs)10000 upto 20 lacsN.A
SBIupto 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%
DenaN.A11.75%0.5%2%
PNBBelow 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
BankFixed RateFloating RateProcessing FeesPre Closure Charges
IDBI BankN.A9.25%(less than 20 lacs),10.75% (above 20 lacs)10000 upto 20 lacsN.A
AXISN.A9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases0.5%N.A
HDFC14%(for 1 to 20Yrs)Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)0.5%2%
DeutscheN.A9.75%(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 Finance14%9.75%(Below 20 lacs),10.75%(20 lacs & above)0.5% of Loan amount + Service Tax(12.36%)N.A
LIC Housing13%(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%
DenaN.A11.25%0.5%2%
Union BankN.A11.25%0.5%2%
PNBBelow 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%
SBIupto 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 VYSYAN.A.Below 20 lacs - 9.75% ; Above 20 lacs - 10.75%0.5%2%
DHFLN.AFor 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
BankFixed RateFloating RateProcessing FeePre-Closure Charges
IDBIN.A9.25%(below 20 lacs) & 10.75%(above 20 lacs)10000 (upto 20 lacs)N.A
HDFC14%(for 1 to 20Yrs)Upto Rs30Lacs-9.75%(for 1 to 20Yrs),Above 30Lacs-10.75%(for 1 to 20Yrs)0.5%2%
AXISN.A9.75%(upto 30 lac),10.50%(till 1 cr),10.75%(above 1 cr) & same as for B/T cases0.5%N.A
LIC Housing13%(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 HyderabadN.A9.25%(up to 20 lacs),9.75%(above 20 lacs)0.5%2%-3%
SCB11.75%N.A0.5%2.5%
DeutscheN.A11.75%0.5%(For selfemployed), 0.25%(for Salaried)2%
HSBCN.A12.5%0.5%25% of the Principal amount without penalty & after that 2.5%
ING VYSYAN.A10%(upto 20 lacs),10.75%(above 20 lacs)11236/-2%
SBI11.25%(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
DHFLN.A11.25%0.5%2%
Union BankN.A11.25%0.5%2%
Dena BankN.A11.25%0.5%2%
UCON.A11.25%0.5%2%
Bank of BarodaUpto 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 Bank16%(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
BankFixed RateFloating RateProcessing FeesPre-Closure Charges
AXIS BANkN.A11%0.5%2%
ING VYSYAN.A11.5%0.5%2%
HDFC11.25%11.75%(above 30 lacs)0.5%2%
IDBI12.5%(for 3 years)10.75%0.5%2%
ICICI15.75%13.25%0.5%2%
SCB11.75%12%0.25%2%
LIC11.50%11.25%0.5%(above 30 lacs .25%)2%
Kotak13% - 14%N.A0.5%2%


See the Home Loan Rates for Nov 08


Best Home Loans Rates November 2008

Best Home Loans Rates November
BankFixed RateFloating RateProcessing FeesPre-Closure Charges
AXIS BANKN.A11.25%0.5%2%
ICICI13.25%16.75%0.5%2%
ING VYSYAN.A11.75%0.5%2%
HDFC11.25%N.A0.5%2%
BHW BIRLA12%11.5%0.5%2%
CITI FINANCIAL14.5%14.5%0.5%2%
G.E MONEYN.A13.5%0.5%2%
IDBIN.A11.5%0.5%2%
SCB11.75%N.A0.5%2%
LICN.ASalaried: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 Bank14%Salaried:12% Self-Employed:12.25%.5%2%
ING VYSYA BankNA11.5% - 11.75%.5%2% upto 1year , No Pre- Closure charges after 1 year
HDFC BankSalaried & 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 lacsNo Prepayment charges if more than 25% of the prepayed else 2% of the amount outstanding
Kotak BankNA13%.5%3%
Standard Chartered BankNA11.75%Rs.5,618/-2.5%
SBI Bank12.75%10.75% - 11.25%.25%2%
Birla Home FinanceSalaried & 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 Finance13% for 2 years , 14% for 5 yearsSalaried: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
BankFixed RateFloating RateProcessing Fee
Axis Bank14%11.3%.5% - 1%
ICICI Bank15.5%12%.5%
ING VYSYA BankNASalaried:11.25% - 11.75% Self-Employed: 12.25%.5%
IDBI Home Finance13% for 3 years & 13.25% for 5 years11.5%.5%
HDFC BankSalaried: 14% Self-Employed: 14%Salaried: 11.25% Self-Employed: 12%.5% of Loan amount below 20 lacs & Rs.11,200 above 20 lacs
Citi Financial15%14%2% of Loan amount
Kotak BankNA12.75% - 13%.5% of Loan amount
Standard Charted Bank13.5% - 14%12.25%.5% - 1.5% of Loan amount
L.I.C.14%11.25% - 11.5%.5% of Loan amount
SBI Bank12.75% upto 30 lacs upto 10 years; 13.75% above 30 lacs upto 10 years11.5% - 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

IDBI Bank Ltd. cuts down the floating rate of interest.

Tue, 03/03/2009 - 07:47 — Hina

IDBI Bank Ltd. cuts down the floating rate of interest.

After HDFC, again IDBI Bank Limited has slashed down its Floating home loan rates by 0.5% for the loan amount above 20 lacs. The new rates would be applicable from this week.

  • For a Loan Upto Rs.20lacs, the Rate of Interest will be 9.25%.

Home Loan by Birla Home Finance (BHW)

Fri, 02/27/2009 - 13:07 — Neha

Home Loan by Birla Home Finance (BHW)

Birla Home Finance is one of the largest housing finance company provide housing loan for purchase, construction, extension & renovation of property & offered a loan for a maximum tenure of 20 years.

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