| Banks |
State Bank Of India (SBI) |
HDFC Ltd |
LIC Housing |
Citibank |
AXIS Bank |
ICICI Bank |
PNB Housing Finance |
| Rate of Interest |
7.90% - 8.45% |
8.00% - 8.45% |
8.10% - 8.95% |
8.50% |
8.55% - 9.20% |
8.55% - 9.25% |
9.05% - 9.30% |
| Processing Fee |
0.35% + GST, Nil for Govt Employees |
Rs 10,000+ AT or 0.25% + AT ( Which ever is lower) |
Upto 0.50% of the loan amount or Rs.2,000 whichever is higher, plus applicable taxes. |
0.5% + ST or Rs 25,000 + ST (whichever is higher) |
Up to 1% of the Loan amount subject to minimum of Rs.10,000/- |
0.50% Or 10,000 + GST , whichever is higher. |
Rs. 5000 (Application fee) |
| Loan Amount |
Loan amount upto 30lac: 90% Loan amount above 30lac- upto 75Lac: 80% Loan amount above 75Lac: 75% |
Rs.8,00,000 - Maximum 80% of the Cost of the Property (Subject to Income Eligibility) |
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 |
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 or foreclosure 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 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 |
NIL |
