Home loan interest rate

Interest Rates for amount 30-75 lacs, period 15-20 years) Updated March 18, 2013
Bank NameFloating Interest rateProcessing FeePrepayment Charges
State Bank Of India10.10%Up to 25 lacs : 0.125% of loan amount minimum Rs.1000/-
25-75 lacs : Rs.3,250/-
75 & above : 5,000/-
Nil
ICICI BankScheme I :10.50% (Fixed 1 yr)
Scheme II : 10.50% (Fixed 2yrs)
Scheme III : 10.75% (Fixed 3yrs)
then 10.50%
0.50% of loan amount upto 1 croreN.A
HDFC Ltd10.40%0.5% or maximum 10,000+service tax (12.36%)No prepayment charges shall be payable for partial or full prepayments irrespective of the source
HSBC Bank10% to 13%1% of the loan amount applied for, subject to a minimum of Rs 10000 plus service tax. This fee is payable on application and is not refundableNil
LIC HousingScheme I : 10.25%(Fixed for 2 years)
Scheme II : 10.70% (Fixed for 3 yrs), 11.15% (Fixed for 5 yrs)
Scheme III : 10.95%(Fixed for 10 yrs) (Upto 40Lacs),
Scheme II : 11% (Fixed for 3 yrs) , 11.40% (Fixed for 5 yrs)
Scheme III : 11.20%(Fixed for 10 yrs)
Up to 50 lacs : 10,000 +(Service tax)
50 lacs & above : 15,000 +(service tax)
Nil
AXIS Bank10.50%1% of the Loan AmountNil
IDBI10.25%Up to .50%of loan amount
(Rs 2500 to be collected at login and balance at the time of sanction )
If Balance Transfer then 2% Otherwise Nil
ING Vysya11%0.5% of the loan amountNIL
Standard Chartered10.40%Rs.7500/- + Service taxNIL
DHFL11.25%1% for Salaried & 1.5% for SENPNIL
Citibank10.75%0.25% (for salaried ), 0.50% ( for Self Employed)NIL
Deutsche Bank10.50%12000 + Service TaxNil
India Bulls10.75%Up to 30 lacs 5,000+12.36%(Service tax)
30 lacs & above : 15,000+12.36%(Service tax)
NIL
Allahabad Bank10.45%0.50% of loan amount, Maximum Rs. 10,000/-NIL
Bank of Maharastra10.25%Up to 1 cr : NIL , Above 1 crore 0.25%(Maximum 25,000)Nil
Central Bank of India10.25%PROCESSING CHARGES COMPLETELY WAIVED DURING FESTIVE SEASON 01.9.2012 TO 31.03.2013Nil
Corporation Bank10.25% (Upto 50Lacs), then 10.50%0.50% of Loan amount (Max.Rs.50,000/-)NIL
Bank of India10.35%Waived till 31.03.2013 for new loans sanctioned and 1st disbursement before 31.03.2013NIL
Union Bank of India10.25%waived off (till 26-Jan-2013)NIL
United Bank of India10.55%0.50% of the loan amountN.A
UCO Bank10.20%N.AN.A
Bank of Baroda10.50%Loan upto Rs.30 Lacs – 0.50% (Minimum Rs.5,000/-)
Above 30 Lacs – 0.40% (Min. Rs.15,000/- & Max. Rs.50,000/-)
N.A.
Canara Bank10.75%
Oriental Bank of Commerce10.60%0.50% of the loan amount, subject to maximum of Rs. 20000/- plus service taxNIL
Kotak Bank10.75%0.25% – 0.5%2% on Balance transfer else NIL
Dena Bank10.55%N.AN.A
Punjab National Bank10.25%
First Blue Home Finance10.50% (For Salaried/SEP) , 11% (For SENP)Salaried: Up to 30 lacs :7300
30 – 75 lacs : 11800
75 lacs & above : 15,000 + service tax(12.36%)
Nil
Vijaya Bank10.75%N.AN.A
Syndicate Bank10.50%upto Rs.25 lacs - 0.25% (Min Rs 1000 – Max Rs 5000)
26 lacs to 75 lacs - 0.55% (Max.Rs.500/-)
above Rs.75 lacs - 0.55% (Max Rs.10000/-)
N.A
Indian Overseas Bank10.50%A flat rate of 0.58% of the loan amount- maximum of Rs. 10,190/- There is no hidden charge. This is subject to change from time to time without prior intimation.N.A
Reliance12% – 12.50%0.75% of loan amountNIL
Federal Bank10.73%0.50% of the limit sanctioned with a minimum of 1000/-NIL
PNB Housing Finance10.75%(SEP), 11%(SENP) Upto 50 Lacs then 11%(SEP) , 11.25%(SENP)0.5%NIL
Development Credit Bank11.50%1%Nil
State Bank of Travancore10.25%-10.50%Processing fees stands reduced by50% of normal charges during the campaign periodNIL
Tata capital Housing Finance ltd10.75% (Upto 50Lacs), Then 11%0.5 to 1% off the loan amount.N.A
Dhanalakshmi BankScheme I: 11.50% (Fixed for 1 yr), Then 12%
Scheme II: 12.50% (Upto 35Lacs)
Scheme I: 12% (Fixed for 1 yr), Then 12.50%
Scheme II: 12.50%
1% + service taxN.A
Indian Bank10.45%Processing charges & administrative charges waived off up to 31.03-2013Nil

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