| Banks |
LIC Housing |
State Bank Of India (SBI) |
HDFC Ltd |
ICICI Bank |
AXIS Bank |
PNB Housing Finance |
Citibank |
| Rate of Interest |
6.66% - 7.20% |
6.70% - 6.90% |
6.70% - 7.15% |
6.70% - 7.55% |
6.90% - 8.40% |
7.20% - 8.90% |
8.50% |
| Processing Fee |
Below 1 Cr: Upto Rs.10000 + AT
Above 1 Cr: Rs.20000 + AT |
NIL (upto 31.12.2021) |
Rs 10,000+ AT or 0.25% + AT ( Which ever is lower) |
Flat Rs 3000 /- + AT |
Up to 1% of the Loan amount subject to minimum of Rs.10,000/- |
Rs.10000 + GST |
0.5% + ST or Rs 25,000 + ST (whichever is higher) |
| Loan Amount |
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% 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) |
upto 90% of market 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 |
Loan Amount upto 30Lac: 90% of Property Loan Amount above 30Lac - 75Lac : 80% of property Loan Amount Above 75Lac: 75% of property |
| Prepayment Charges |
Below 1 Cr: Upto Rs.10000 + AT
Above 1 Cr: Rs.20000 + AT |
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 |
Flat Rs 3000 /- + AT |
Up to 1% of the Loan amount subject to minimum of Rs.10,000/- |
NIL |
NIL |
