Bank Name
 |
Floating Interest rate
|
Processing Fee |
Prepayment Charges |
Apply |
| Allahabad Bank |
10.00% |
0.50% of loan amount, Maximum Rs. 10,000/- |
N.A |
|
| Andhra Bank |
10.50% |
N.A |
N.A |
|
| AXIS Bank |
8.75% |
1% of the loan amount + applicable taxes |
1% (For Fixed scheme ), NIL( For Floating)
|
|
| Bank of Baroda |
9.00% |
N.A |
N.A |
|
| Bank of India |
9.25% |
For loans upto Rs.30 lacs One time @ 0.55% of loan amount min. Rs. 3000/- and max. Rs.10000/-
For Loan over Rs.30 Lacs upto Rs.50 lacs – One time flat Rs.15,000/-
For Loan over Rs.50 Lacs upto Rs.1.00 crore – One time flat Rs.20,000/- |
N.A |
|
| Bank of Maharastra |
9% |
N.A |
N.A |
|
| Barclays Bank |
9% - 9.25% |
0.5% |
Part pre-payment with Zero pre-payment charges subject to maximum 25% of the principal outstanding amount else 2% prepayment charges have to pay |
|
| Canara Bank |
9.25% |
|
|
|
| Central Bank of India |
9.00% |
1% of Loan Amount, minimum Rs.1000/- |
N.A |
|
| Citibank |
8.25% (Upto Mar 31,2011), then 8.75% |
5%+Service tax |
2% |
|
| Corporation Bank |
9.75% |
Upto Rs.5 lakhs
0.50% of loan subject to min. Rs.1,000/- & max. Rs.2,500/-
Above Rs.5 lakhs & upto Rs.15 lakhs
0.50% of loan subject to min. Rs.2,500/- & max. Rs.7,500/-
Above Rs.15 lakhs & upto Rs.20 lakhs
0.50% of loan subject to min. Rs.7,500/- & max. Rs.10,000/-
Above Rs.20 lakhs
0.50% of loan subject to min. Rs.10,000/- & max. Rs.50,000/- |
N.A |
|
| Dena Bank |
9.75% |
N.A |
N.A |
|
| Deutsche Bank |
8.5% |
10,000 + 10.30%(Service tax) |
Nil |
|
| Deutsche Post Housing Finance |
8.75%(fixed for 2 yrs), then market rate |
Rs. 10,000/- + Service Tax |
Nil |
|
| DHFL |
8.50% |
0%( below 10 lacs), 1%(above 10 lacs) |
Before 5 years -2%,For Balance Transfer -3% |
|
| HDFC Ltd |
8.50% (Upto Mar 31,2011),9.50% (from Apr 1,2011 - Mar 31,2012), Then 9.50% |
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 |
|
| ICICI Bank Home Loan |
8.25% (Upto Mar 31,2011),9.25% (from Apr 1,2011 - Mar 31,2012), 9% |
0.50% of loan amount upto 1 crore |
Rs.10,000/- above 1 crore If Full Payment - 2% of outstanding amount If Part Payment - No Penalty |
|
| IDBI |
8.75% |
0.50% of loan amount |
If Balance Transfer then 2.5% Otherwise Nil |
|
| India Bulls |
8.25% - 8.75% (Fixed for 1 yr), 9.25% - 9.50% (Fixed for 2 yrs), then 9% - 9.50% |
0.5% |
2%-3% |
|
| Indian Overseas Bank |
8.75% |
N.A |
N.A |
|
| ING Vysya |
8.25%(fixed for 1 yr), 9%(fixed for 1 yr),then market rate |
Up to 20 lacs - Rs.5000+10.30%(Service tax ) = Rs.5515/-
Above 20 lacs : 0.5%+10.30%(Service tax)
|
2% |
|
| Kotak Bank |
8.25% |
10,000+10.30% |
2% |
|
| LIC Housing |
8.9%(Fixed for 3 yrs), 9.25%(Fixed for 5 yrs),then market rate |
10,000+10.30%(Service tax) (Upto 50Lacs),
15,000+10.30%(Service tax) (Above 50Lacs) |
2% of out standing Payment |
|
| Oriental Bank of Commerce |
9.50%
|
N.A |
N.A |
|
| Punjab National Bank |
9.75% |
0.75%( from 10 lac - 15 lac ) , 0.5% ( above 15 lac) |
No Charges if 20% of the outstanding amount pay in a single year after that 2% |
|
| SBI Bank |
8% (1st yr), 9%(2nd and 3rd yr),10%(after 3 years) |
0.50% of loan amount with a cap of Rs.10,000 + service tax |
N.A |
|
| Standard Chartered |
8.25% to 8.75% (basis on the profile) |
0.25%-0.50% 0f loan amount |
2% of out standing Payment |
|
| Syndicate Bank |
9.50% |
N.A |
N.A |
|
| UCO Bank |
9.50% - 10% |
- |
N.A |
|
| Union Bank of India |
9.50% |
N.A |
N.A |
|
| United Bank of India |
9.75% |
N.A |
N.A |
|
| Vijaya Bank |
10% |
N.A |
N.A |
|
