| Banks |
HDFC Ltd |
State Bank Of India (SBI) |
ICICI Bank |
LIC Housing |
PNB Housing Finance |
AXIS Bank |
Citibank |
| Rate of Interest |
6.80% - 7.30% |
6.80% - 7.30% |
6.80% - 7.95% |
6.90% - 7.30% |
7.35% - 9.10% |
7.75% - 8.40% |
8.50% |
| Processing Fee |
Rs 10,000+ AT or 0.25% + AT ( Which ever is lower) |
0.35% + GST, Nil for Govt Employees |
Flat Rs 3000 /- + AT |
NIL upto 50 Lakh, 50% waiver on loan above 50 lakh to 5 Cr |
Rs.10000 + GST |
Up to 1% of the Loan amount subject to minimum of Rs.10,000/- |
0.5% + ST or Rs 25,000 + ST (whichever is higher) |
| Loan Amount |
Rs.8,00,000 - Maximum 80% of the Cost of the Property (Subject to Income Eligibility) |
Loan amount upto 30lac: 90% Loan amount above 30lac- upto 75Lac: 80% Loan amount above 75Lac: 75% |
upto 90% of market value |
Loan amount upto 75 lacs : 80% of the property cost Loan amount above 75 lacs : 75% of the property cost |
Loan Amount upto 30Lac: 90% of Property Loan Amount above 30Lac - 75Lac : 80% of property Loan Amount Above 75Lac: 75% of property |
Loans upto 80% of the property value |
Loan Amount upto 30Lac: 90% of Property Loan Amount above 30Lac - 75Lac : 80% of property Loan Amount Above 75Lac: 75% of property |
| Prepayment Charges |
No prepayment charge on floating rate home loan For one year, two year and three year fixed rate loan the prepayment charge is 2% of the outstanding loan amount plus applicable service tax and surcharge till the time loan is under fixed rate |
No Prepayment or foreclosure Charges |
Flat Rs 3000 /- + AT |
No prepayment charges shall be payable for partial or full prepayments irrespective of the source |
NIL |
Up to 1% of the Loan amount subject to minimum of Rs.10,000/- |
NIL |
