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Processing Fee 5,000 + service tax (Upto 30lacs), 10,000 + service tax (above 30lacs)
10.50% Scheme I :10.50% (Fixed 1 yr) Scheme II : 10.75% (Fixed 2yrs) Scheme III : 10.75% (Fixed 3yrs), then 10.50% Scheme I : 10.75% (Fixed for 3 yrs ) Scheme II : 11.25% (Fixed for 5 yrs ) , After that 10.50% rate or then applicable rate. 11% - Regular Home Loan 11.50% - Smart Home
ICICI Bank
N.A
HDFC Ltd
No prepayment charges 0.5% or maximum 10,000+service tax shall be payable for partial (12.36%) or full prepayments irrespective of the source NIL up to 25% of the loan amount sanctioned in every financial year and at a prepayment charge of 3% for any excess amount. Nil
HSBC Bank
LIC Housing
Scheme I : 10.80% Scheme II : 10.70% (Fixed for 3 yrs) Scheme I : 11.75% (Fixed for 20 yrs) Scheme II : 10.50%
Up to 30 lacs : 10,000 + (Service tax) 30 - 50 lacs : 15,000 + (service tax) 50 lacs - 1Cr : 20,000 + (service tax) 1Cr & above : 20,000 + (service tax) Rs.5515 (Upto 30Lacs), Then 10,000 + service tax
AXIS Bank
2% (For Scheme I) Nil (For Scheme II) If Balance Transfer then 2% Otherwise Nil 2%
IDBI
Up to 1%of loan amount 11% (Upto 25Lacs), Then 11.50% (Rs 2500 to be collected at login and 11.75% balance at the time of sanction ) 10.75% 5000 + (service tax) (Upto 20Lacs) 5000 + (service tax) (Above 20Lacs) 0.5%
ING Vysya
Standard Chartered
10.75% - 11.25%
2.5% If 25% of outstanding amount is paid every year -No Penalty , otherwise 2% of outstanding amount 1) Nil for Prepayment less then 25% of Sanctioned loan in financial year. 2) 2% on Loan outstanding at the time of loan closer up to 90% no charges after that 2.5%
DHFL
11.50%
Citibank
0.25%+(service tax)
Deutsche Bank
10.50% - 11%
10000 + Service Tax upto 30lacs - 2,500 + (service tax) above 30lacs to 1.5Cr - 5,000 +(service tax) Above 1.5Cr - 10,000 +(service tax) 0.50% of loan amount, Maximum Rs. 10,000/Nil (Upto 25Lacs) 0.50% (Max Rs 50,000/-) (25lacs & above) N.A 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
India Bulls
2%-3%
Allahabad Bank
12.75%
N.A
Bank of Maharastra
11.10%
N.A
N.A N.A
0.50% of loan subject to min. Rs.10,000/- & max. Rs.50,000/For loans upto Rs.30 lacs One time @ 0.55% of loan amount min. Rs. 3000/and max. Rs.10000/2.25% of outstanding loan 11% (Upto 25 Lacs), Then 11.75% For Loan over Rs.30 Lacs upto Rs.50 amount. lacs ? One time flat Rs.15,000/For Loan over Rs.50 Lacs upto Rs.1.00 crore ? One time flat Rs.20,000/11.75% 0.25% of loan amount subject to a maximum of Rs.15000/- plus service tax as applicable 0.50% of the loan amount N.A
Bank of India
12.10%
N.A
UCO Bank
12.25% - 12.75%
N.A
Bank of Baroda
11.75%
N.A
N.A
Canara Bank
11.75% Nil for fresh Loans upto Rs.20.00 lac, For Loans above Rs.20.00 lacs 0.50% of the loan amount subject to a maximum of Rs.12,500/0.25% - 0.5%
11.50%
Kotak Bank
11.25%( for Salaried), 11.50%( for Self Employed) 11.15% (Upto 25Lacs), Then 11.75% - 12.25% 11.75%
Dena Bank
N.A
Salaried - 0.5% or 6000 whichever is less plus doc charges plus taxes (upto 25 lacs), 0.5% or 10000 whichever is 10.50% (for Salaried / SEP), 11% less plus doc charges plus taxes (25-75 (For Self Employed) (Upto 25Lacs), lacs), 0.5% or 15000 whichever is less Then 10.75% (for Salaried / SEP), plus doc charges plus taxes (above 75 11.25% (For Self Employed) lacs). Self Employed - 0.5% plus doc charges plus taxes. 11.50% N.A
Nil
Vijaya Bank
N.A
Syndicate Bank
N.A
N.A
11.50%
N.A 0.25%( for salaried ) , 0.50%( for Self employed) 0.75% of loan amount + Service Tax
N.A
Barclays Bank
11% - 11.25%
3%
Reliance
11%
N.A
Federal Bank
10.78%
0.50%
10.75% 11.50%
0.5% 0.5%
NIL If 25% of outstanding amount is paid within 3 years - No Penalty , otherwise 2% of outstanding
amount 2% of the outstanding loan amount N.A 25% of outstanding loan amount is paid every financial year without charges.
11.25%
Nil
10.75%
Dhanalakshmi Bank
a) Loans Upto Rs 20 lacs -Rs 3500 plus service tax 12.25% (Uto 25Lacs), then 12.75% b) Loans > Rs 20 lacs - Rs 5000 plus service tax
Indian Bank
11.25%
1) No pre-closure charges, if loan is closed out of own 1) 0.25 % on Loan amount (Non funds. refundable) (to be remitted at the time 2) 2% on Balance of submission of application) outstanding or applicable 2) 0.32 % on Loan amount (at the time Drawing Limit whichever is of acceptance of sanction) higher, if loan is closed by way of take over by another Bank / Financial Institution.