| Banks |
ICICI Bank |
State Bank of India |
HDFC Ltd |
LIC Housing |
PNB Housing Finance |
Axis Bank |
Citibank |
| Rate of Interest |
8.35% - 8.80% |
8.35% - 8.80% |
8.35% - 8.55% |
8.35% - 8.80% |
8.50% - 8.70% |
8.35% - 8.75%
|
8.60% - 8.85% |
| Processing Fee |
(0.50% - 1.00% of the loan amount or Rs. 1500/- (Rs. 2000/- for Mumbai, Delhi & Bangalore), whichever is higher + S. Tax & Surcharge) |
(0.35% of Loan amount or 10000) + Taxes Subject to minimum 2000+Service tax |
Upto 0.50% of the loan amount or Rs.2,000 whichever is higher, plus applicable taxes. |
Govt Employees : Rs 1000 + S Tax
Others : Rs 2500 + S Tax
|
0.25% - 0.5% |
0.5% + ST or Rs 25,000 + ST (whichever is higher) |
Rs. 5000 (Application fee) |
| 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% |
Loan amount upto 75 lacs : 80% of the property cost
Loan amount above 75 lacs : 75% of the property cost |
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 |
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 |
No prepayment charges shall be payable for partial or full prepayments irrespective of the source |
NIL |
NIL |
NIL |
NIL |
