I have taken 30 lakh/10 year loan from HDFC and have been paying EMI since August 2013. As HDFC plans to increase home loan rates, I wish to transfer to Canara bank where the interest rate is 9.95% pa. Please advice if this is a good move and estimated transfer costs involved. Do I apply for home loan transfer at Canara bank?
My outstanding housing loan on date is Rs.1650000. I have taken loan from LICHFL. Present rate of interest is 11.9%. My date of birth is 27.7.69 and retirement 31.7.29. Is it advisable to switch over my outstanding loan to any bank or other wise. Deal4loans may advise.
I have a composite loan in IDBI Bank for 65 lakhs (disbursed amount is 38.2lakhs for the plot). Have taken the loan in Aug '13 this year @ 10.5% ROI. Now, i want to change my bank as i feel ROI is higher. But, IDBI bank demads 4% additional ROI from the date of disbursal as i am transferring the composite loan without construction. Kindly advise if i need to pay the above penalty & is it beneficial to transfer to other bank ?
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