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Home Loans: Compare home loans from UAE Banks #credit #card #loan


#compare home loans
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Got a question?

How do I choose a home loan provider?

Compare, compare, compare! Use our smart comparison tools to choose the best home loan for you. You may also wish to consider using a mortgage advisor such as Best Rate, who will do the hard work for you, recommend the best product for your needs and help you through the entire process from consultation to completion.

What key criteria should I consider before taking out a home loan?

What is the difference between a Fixed Rate and a Variable Rate home loan?

With a fixed rate home loan, you repay a fixed rate for a set number of years. With a variable rate, the repayment amount varies with the market rate, which means your repayments can change as the rate changes.

Will a bank lend me the full amount required to purchase my property?

No. You will need to pay a down payment / deposit and the bank will also carry out a valuation of the property and base the amount they lend you on this value rather than the purchase price. Any difference between what the bank lends you and what you need to pay to buy the property needs to be paid by you. A bank will commonly lend you 70%-85% of the property value.

Do I need to have a down payment / deposit?

Yes. In the UAE, it is a requirement to pay a down payment or deposit. The amount required will depend on whether you are a UAE national, resident expat or non-resident as well as your employment status and whether you are a first time buyer.

Should I apply for a home loan before looking for a property?

We advise you to obtain a pre-approval, which will help you to determine your budget. A pre-approval normally has a validity of one to three months, which is the time you have to make an offer on your chosen property. Once done, you can proceed with obtaining the final offer and completing the transfer process.

Can I take out a home loan as a first time buyer, non-resident or if I am self-employed?

Yes. Depending on your individual situation, different documents are required. Your chosen provider will provide you with details.

What is an arrangement fee?

This relates to what the bank will charge you at the beginning of the loan and is normally added to your principal loan amount. Some banks may offer home loan products with no arrangement fee but others may charge a fixed fee or a percentage of your total loan amount.

What is an early settlement fee?

This relates to the fee applicable if you decide to pay off your loan early. If, for example, you take a home loan for 25 years but expect to be in a position to pay if off before then, any early settlement fee becomes an important factor in choosing your home loan provider.

What is the difference between Flat and Reducing Interest Rates?

Rates on home loans can be calculated in two ways as a reducing rate or as a flat rate. With a flat rate, the rate is calculated on the entire principal amount of a loan (the full, original amount borrowed) whereas with a reducing interest rate, interest is charged only on the outstanding amount of the loan on a periodic basis.

Flat interest rates are normally lower than the reducing balance rate and therefore considered misleading. When it comes to comparing loans, the best way to compare their true cost is to convert everything into the Reducing Interest Rate equivalent (click here  for more information)

How long do I have to settle my home loan?

Tenures range on mortgages so make sure you take into account the tenure period when choosing a home loan product. Be sure to consider early settlement fees as well, in the event that you are in a position to make early repayments and settle your debt early.

What if I wish to sell the property before paying off the loan?

You are free to sell your property as and when you choose. You’ll just need to repay the full outstanding balance of your home loan at the time of sale.

What documents do I need in order to apply for a home loan?

Your residency and employment status will determine the exact documents you will require to submit on application. Your chosen loan provider will provide you with all details.

Do I need to transfer my salary to my home loan provider?

Not necessarily but doing so will often get you a better rate as you are then considered less risky to the institution.

Do I need to take out insurance on my home loan?


Home loans and mortgages interest rates #best #mortgage #rates


#home loan interest rates australia
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Home loan interest rates

Residential Investment Home Loans

This includes investment loan applications where the principal property securing the loan will be used to derive rental income or where the loan application purpose is to invest in real estate or to construct or make property improvements to an investment.

Owner Occupier ## Home Loans

The Detail

Conditions, fees and credit criteria apply:

View the terms and conditions:

Please read these documents and keep a copy. You can request a paper copy at a branch .

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you. If you need help, call 13 22 66 .

1 The comparison rate is based on a loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

* Advantage Package. Advantage Package Conditions of Use apply and are available upon request. Advantage Package annual fee, currently $395, is payable from an eligible Bank of Melbourne transactional account.

# Limited time special discounts. These special interest rate discounts are only available for Standard Variable Rate and Portfolio Variable Rate Advantage Package Home Loans. These are current offers and may be withdrawn at any time. These special interest rate discounts are instead of, and cannot be taken in addition to the standard Advantage Package discounts. If you apply after the end of this offer the standard Advantage Package discounts which will apply are available at http://www.bankofmelbourne.com.au/personal/home-loans/our-home-loans/popular/advantage-package .

^ Basic Home Loan Promotional Rate: Special limited time discounted Basic Home Loan offer may be withdrawn at any time. This offer is only available for new Basic Home Loan applications received from 1 September 2015. Offer current as at 1 September 2015. Refer to info.bankofmelbourne.com.au/homeloanhub or call us for more information on current offers available. This is a current offer which may be varied or withdrawn at any time. If you apply after this offer has been withdrawn the interest rate which will apply is the standard Basic Variable Rate without any discount. Applicable to new loan applications only (excluding internal refinances) and is not available in conjunction with, or in addition to any other special offers, negotiated rates or discounts.

## This is a current offer as at 1 September 2015 and may be withdrawn at any time. Excludes Investment loan applications where the principal property securing the loan will be used to derive rental income or where the loan application purpose is to invest in real estate or to construct or make property improvements to an investment property. Refer to info.bankofmelbourne.com.au/homeloanhub or call us for more information on current offers available.

There may be tax consequences arising from this promotion for our business customers and rental property investors. This is not taxation advice. Customers should seek independent taxation advice on any taxation matters.

Bank of Melbourne – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. (03/12).


Home Loan Repayment #cheap #loan


#home loan repayment calculator
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Home Loan Repayment Options

Apply Online

ICICI Bank offers convenient repayment options to its customers. Following repayment options are being offered currently

For a fully disbursed loan

EMI: An EMI refers to an equated monthly instalment. It is a fixed amount which you pay every month towards your loan. It comprises of both, principal repayment and interest payment.

Flexible Loan Instalment Plan (FLIP): FLIP is a repayment facility, given when incomes are going to reduce after a certain time period during the loan tenure due to one of the borrowers retiring before the loan maturity.

For a partly disbursed home loan

Pre-EMI: Where you have availed only a part of the loan, you would be required to pay us only the interest on the amount disbursed till the full loan is availed. This interest is called pre-EMI interest (PEMI) and is payable monthly till the final disbursement is made, after which the EMIs would commence.

EMI Under Construction: EMI Under Construction is offered for structuring a home loan to enable individuals to commence their EMI in a partly disbursed under construction project. Commencement of EMI ensures re-payment towards principal amount leading to savings in interest and faster repayment of the loan. EMI under construction can be paid either on part disbursed amount or on sanctioned loan amount.

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  • Home Loans by Schwab Bank – Quicken Loans #car #loan #amortization


    #quick loan
    #

    Ready to start the mortgage process?

    Call 877-535-4021

    Mon.–Fri. 8 a.m.–9 p.m. ET; Sat. 8 a.m.–4 p.m. ET

    1. Source: National Mortgage News. second quarter 2013 report, based on total originations.

    This offer is subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an obligation to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. Program terms and conditions are subject to change.

    Quicken Loans is an Equal Housing Lender. Quicken Loans Inc. is a licensed mortgage lender. Arizona: Quicken Loans Inc. 16425 North Pima, Suite 200, Scottsdale, AZ 85260, Mortgage Banker License #BK-0902939; Arkansas: Quicken Loans Inc. 1050 Woodward Avenue, Detroit, MI 48226-1906, 888-474-0404; California: Licensed by the Department of Corporations, CA Residential Mortgage Lending Act; Colorado: Quicken Loans Inc. NMLS #3030, 888-474-0404, Regulated by the Division of Real Estate; Georgia: Residential Mortgage Licensee #11704 1050 Woodward Avenue, Detroit, MI 48226-1906; Illinois: Residential Mortgage Licensee #4127 Department of Financial and Professional Regulation, 1050 Woodward Avenue, Detroit, MI 48226-1906; Maine: Quicken Loans Inc. Supervised Lender License NMLS #3030; Massachusetts: Quicken Loans Inc. Mortgage Lender License #ML-3030; Minnesota: Not an offer for a rate lock agreement; Mississippi: Licensed by the Mississippi Department of Banking and Consumer Finance; New Hampshire: Licensed by the NH Banking Department, #6743MB; New Jersey: Licensed Mortgage Banker—NJ Department of Banking, first (and/or second) mortgages only; New York: Licensed Mortgage Banker—NYS Banking Department; Oregon: Quicken Loans Inc. License #ML-1387; Pennsylvania: Licensed as a first Mortgage Banker by the Department of Banking and licensed pursuant to the Pennsylvania Secondary Mortgage Loan Act; Rhode Island: Licensed Lender; Texas: Quicken Loans Inc. 1050 Woodward Avenue, Detroit, MI 48226-1906; Virginia: Quicken Loans Inc. NMLS ID #3030, (www.nmlsconsumeraccess.org ); Washington: Licensed by Consumer Loan Company License CL-3030. Quicken Loans Nationwide Mortgage Licensing System #3030. Rates subject to change. Restrictions may apply.


    Home Loan #sba #loan


    #best home loan rates australia
    #

    Your 1st step is to talk to an Aussie Mortgage expert.

    Home Buyer Guides

    *Interest rates for Aussie Optimizer Variable and Aussie Optimizer Fixed Loans vary between Principal and Interest loans versus Interest Only loans. For a full schedule of applicable rates for both Principal and Interest and Interest Only lending please click here.

    ^This rate is only available to owner occupiers with a loan to valuation ratio of less than or equal to 80%. At the end of the fixed term, rate reverts to the Aussie Select Basic Variable rate; at the margin to the reference rate that applied at the time the loan settled for the loan value and the loan to valuation ratio in accordance with your loan contract. The rate is effective between 04/11/15 and 24/12/15, but subject to change. The interest rate is a promotional rate only and available to eligible existing and new customers throughout the promotional period. Settlements must be between 04/11/15 and 24/12/15, rate lock may be applied.

    1 This rate is only available to owner occupiers with a loan to valuation ratio of less than or equal to 80% and borrowings under $500,000. Rate is effective from 12/08/15 but subject to change.

    2 This rate is only available to owner occupiers with a loan to valuation ratio of less than or equal to 80% and borrowings over $500,000. Rate is effective from 12/08/15 but subject to change.

    3 This rate is only available to owner occupiers with a principal and interest loan that has a loan to valuation ratio of less than or equal to 80% and borrowings under $750,000. Rate is effective 09/10/15 and is a promotional interest rate only applicable for lodgements between 09/10/15 and 30/11/15 but subject to change.

    4 This rate is only available to owner occupiers with a principal and interest loan with a loan to valuation ratio of less than or equal to 80% and borrowings over $750,000. Rate is effective 09/10/15 and is a promotional interest rate only applicable for lodgements between 09/10/15 and 30/11/15 but subject to change.

    All Aussie Select and Aussie Optimizer products have a maximum loan amount of $5,000,000, with a maximum loan to valuation ratio of 95% (including LMI) dependent on the loan purpose, repayment type and loan to valuation ratio.

    †Comparison rate above is based on a home loan of $150,000 for 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

    Applications are subject to approval. Conditions, fees and charges apply.

    Credit services for Aussie Select and Aussie Optimizer products are provided by AHL Investments Pty Ltd ACN 105 265 861 (“Aussie”) and its appointed credit representatives, Australian Credit Licence 246786. Credit for Aussie Select products is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133, Australian Credit Licence 414133. Credit for Aussie Optimizer products is provided by Perpetual Ltd ACN 000 431 827.

    Outstanding Value – Home Loans 2015 (Aussie Select


    Home Loan Rates #loan #eligibility #calculator


    #home loan rate
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    Real Estate Loan Rates

    Competitive Variable Rate. $10,000 minimum, $417,000 maximum.

    The variable Annual Percentage Rate (APR) is set monthly. This is based on the highest prime rate

    on the last business day of the previous month as published in the Wall Street Journal,

    with an 18.00% APR lifetime cap and a 4.00% APR lifetime floor.

    The Prime Rate as of 10/31/2015 was 3.25% as published in the Wall Street Journal.

    *SPECIAL INTRODUCTORY OFFER FOR 80% LTV: Fixed APR as low as 1.99% for thirteen months from the date of disbursement.

    Variable APR thereafter will be as low as prime plus 0.00%. As of 10/31/2015, the rate was as low as 4.00% APR.

    **SPECIAL INTRODUCTORY OFFER FOR 81-90% LTV: Fixed APR as low as 2.99% for thirteen months from the date of disbursement.

    Variable APR thereafter will be as low as prime plus 1.00%. As of 10/31/2015, the rate was as low as 4.00% APR.

    This offer may change without prior notice. APR and index are subject to change. APR is based on individual credit history and loan to home value.

    No closing costs except NYS mortgage tax.

    fixed home equity line of credit


    Home Loan Interest Rates Australia. Mortgage, personal, home loan interest rates. #low #cost #loans


    #best home loan rates australia
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    Interest rates for Home Loans and Personal Lending

    At HSBC, we lend money for all sorts of reasons – a dream home or holiday, more stylish furniture for your home, the car you’ve set your heart on. you decide.

    You’ll also discover that our loans offer you competitive interest rates, designed to suit your budget. Interest rates that can give you the freedom and flexibility to enjoy life in Australia, while you get ahead.

    If you’re shopping around for a home loan, HSBC has a wide range of flexible mortgage options available. And if it’s time to review your credit card account and change to more affordable interest rates, take a look at the choices at HSBC.

    What type of HSBC Bank Loan interests you? Simply click on the link.

    Download Home Loan Owner Occupied Comparison Rate Schedule.

    Download Home Loan Investment Comparison Rate Schedule.

    Download Home Rewards Owner Occupied Comparison Rate Schedule.

    Download Home Rewards Investment Comparison Rate Schedule.

    Download Home Value Owner Occupied Comparison Rates Schedule.

    Download Home Value Investment Comparison Rates Schedule.

    Premier

    Download Premier Owner Occupied Comparison Rate Schedule.

    Download Premier Investment Comparison Rate Schedule.

    Power Vantage

    Download Power Vantage Owner Occupied Comparison Rate Schedule.

    Download Power Vantage Investment Comparison Rate Schedule.


    Home Loan Interest Rates In Malaysia – Find The Best Housing Loan #emergency #cash #loans


    #home loan interest rate
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    Choosing The Best Home Loan Interest Rates In Malaysia How?

    Share this!

    Written by Ching

    Interest is a fee charged by banks for lending you money. Essentially, interest is like “rent on money”.

    In Malaysia, housing loan interest rates are usually quoted as a percentage above or below the Base Lending Rate (BLR). For example, if the current lending rate is 6.6%, the interest rate on a “BLR 2.1%” loan would be 4.5%.

    What is Base Lending Rate?

    The BLR is the rate that banks refer to internally, before they decide how much to charge for the various products or loans they offer. The rate takes into account banks’ cost of operations, and is typically similar among the major banks. The rate is heavily influenced by the Overnight Policy Rate (OPR) set by Bank Negara.

    Find out more about the Base Lending Rate (BLR) and the new Base Rate  to take effect from January 2, 2015 onwards.

    Different types of rate: Fixed versus variable rate

    A housing loan with variable (or floating) rate is a type of loan where the interest rate could change at some point in the future.

    In contrast, a housing loan with fixed rate will not experience any changes to its rate throughout the entire loan period.

    Most housing loans in Malaysia today have variable rates (all banks that quote their housing loan rates as “BLR XX%” are variable rate loans).

    How is interest on a housing loan calculated?

    Banks charge interest on the unpaid loan amount of your home loan (also known as the loan principal or outstanding loan balance). Typically, home loan rates are calculated and charged on a monthly basis.

    As an example, let’s assume you borrow a RM500,000 home loan from a bank at BLR – 2.1%. Let’s further assume that the BLR is 6.6%.

    In your first month:

    Depending on how much your monthly instalment is, your interest charges may be less in subsequent months.

    Assuming your monthly repayment is RM3,000.

    In your second month:

    Previous month’s interest charges = RM1,875 (see above)

    Amount allocated to reducing outstanding loan = RM3,000 (previous month’s repayment) – RM1,875 (first month’s interest) = RM1,125

    Outstanding balance in Month 2:

    RM500,000 (initial loan amount) – RM1,125 (amount used to reduce outstanding loan in month 1) = RM498,875

    The total amount of interest charged by the bank in Month 2:

    RM498,875 x (6.6% 2.1%) / 12 = RM1,871.

    Daily rest versus monthly rest

    Depending on the loan agreement, interest may be calculated either on a “daily rest” or “monthly rest” basis. The diagram below provides an illustration of the difference between “daily rest” and “monthly rest” interest calculation.

    A home loan with daily rest calculation is almost always better than one with monthly rest calculation. The obvious advantage is that you can save some interest charges if you make a large repayment towards your home loan mid-way through the month (before your loan repayment is due).

    Like this article? Ready to take out a home loan? Check out iMoney s home loan comparison table for the cheapest home loan in Malaysia.


    Home Loan Rates #cash #loan


    #home loan interest rates australia
    #

    Reference rates

    Important information:

    These rates are for new, secured loans only and are subject to change at any time. Minimum loan amount is $50,000 unless stated otherwise. Terms and Conditions apply and are available on request. Fees and charges apply. All applications are subject to Citibank’s credit assessment criteria. For loans with an LVR over 80% LMI will be required, unless the LVR between 80.01%-85% (Without LMI) policy and rate loading applies, subject to additional credit criteria.

    * Rates available for new home loan applications received by 30 November 2015, and settled within 90 days of application. Promotion cannot be used with any other offers.

    1. The Loan to Value Ratio (LVR) is the same as the Loan to Security Ratio (LSR) in the loan documentation. Margin discounts are based on the (LSR) as confirmed by Citibank at the time of loan approval. The LSR may change between the date of loan approval and loan settlement and Citibank reserves the right to vary the margin discount between the date of loan approval and date of the loan settlement based on a change in the LSR. Any increase or decrease in the LSR after loan approval will not change the level of margin discount, although the Citibank reference rate is variable and subject to change.

    2. Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

    3. Standard Fixed Rate loans must be combined with Standard Variable/Offset or Mortgage Power to be eligible for Mortgage plus – Professional Package. Fixed rate quotes are held 60 days from the day the application is submitted. If settlement occurs after 60 days, the prevailing fixed rate will apply.

    4. Comparison Rate for Standard Fixed Rates calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments and reverting to a Mortgage Plus – Standard Variable loan with an LVR less than or equal to 80% on expiry of the fixed term. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

    5. LVR between 80.01%-85% (Without LMI) cannot be combined with any other offer or discounts. The “LVR between 80.01%-85% (Without LMI)” rate loading applies to the “LVR less than or equal to 80%” rate.

    ^ Rates quoted are subject to having Lenders Mortgage Insurance. Lenders Mortgage insurance is insurance that protects the financer in the event of default on home loan payments. It is available up to LVR 90% plus Lenders Mortgage Insurance premium capitalisation. Conditions apply.

    2015 Citigroup Pty Limited ABN 88 004 325 080, Australian credit licence 238098. Citibank, Citigold, Citi, and Arc Design are registered service marks of Citigroup Inc.


    Home Loan Rates in 2015: Heres Your Guide. #loans #for #school


    #housing loan interest rates
    #

    Home Loan Rates in 2015: Here’s Your Guide

    As soon as one starts looking out at properties to buy a house, banks start offering home loans. This can be overwhelming at times. Making a choice then largely depends on comparing what competitor banks have to offer. Here is a list, which compares home loan rates by different banks.

    For a loan amount up to Rs 30 lakh and the tenure being 15-20 years, the following is on offering.

    • SBI ( State Bank of India)
    • ICICI Bank
    • HDFC Bank
    • HSBC Bank
    • Axis Bank
    • PNB Housing Finance
    • DHFL
    • India Bulls ( Up to Rs 25 lakh)
    • Citi Bank
    • Tata Capital Housing Finance Ltd

    EMI per lakh works out to be Rs 975.

    Show Full Article

    SBI charges a processing fee of 0.25 per cent of the loan amount up to Rs 25 lakh or minimum Rs 1000. For a loan amount above Rs 25 lakh the processing fee is Rs 3,250. Citibank charges 0.25 per cent of the loan amount. ICICI, HDFC and PNB charge 0.5 per cent of the loan amount as processing fees. However, HDFC has capped the maximum amount to Rs. 10,000. Whereas, Axis Bank and HSBC charge a minimum processing fee of Rs 10,000 or 1 per cent of the total loan amount. DHFL charges Rs 5000 plus document charges and taxes and India Bulls charges Rs 7,500 plus taxes.

    2. Floating interest rate of 10.20 per cent

    This rate is being offered by the following banks:

    • Federal Bank
    • Bank of India
    • UCO Bank
    • Canara Bank

    The EMI per lakh works out to be Rs 978.

    Federal Bank and UCO Bank both charge 0.5 per cent of the loan amount. The minimum amount charged is Rs 3000 and Rs 1500 whereas maximum is Rs 7500 and Rs 15,000 respectively by both the banks. Bank of India has decided to waive off processing fees on new loans sanctioned up to March 2015.

    3. Floating interest rate of 10.25 per cent

    This rate is being offered by the following lenders:

    • IDBI
    • Punjab National Bank
    • Allahabad Bank
    • Central Bank of India
    • Corporation Bank
    • Union Bank of India
    • United Bank of India
    • Bank of Baroda
    • Oriental Bank of Commerce
    • Kotak Bank
    • Dena Bank
    • First Blue Home Finance
    • Syndicate Bank
    • Indian Overseas Bank
    • State Bank of Travancore
    • Indian Bank

    The EMI per lakh works out to be Rs 982.

    IDBI, Punjab National Bank and Oriental Bank of Commerce have NIL processing fees. State Bank of Travancore does not charge any processing fee up to a loan amount of Rs 25,000 and United Bank of India has waived off processing fee for a loan amount up to Rs 75 lakh. Processing fee ranges from 0.25 per cent to 0.5 per cent of the loan amount. Allahabad Bank charges 0.6 per cent of the loan amount with a cap of Rs 12,000 while India Overseas Bank charges 0.58 per cent of the loan amount with a cap of Rs 10,190.

    4. Floating interest rate of 10.26-10.30 per cent

    Standard Chartered Bank offers 10.26 per cent on home loans with a processing fee of Rs 5500 plus service tax. The EMI works out to be Rs 982.

    Vijaya Bank charges 10.30 per cent and the EMI works out to be Rs 985. The processing fee is 0.25 per cent of the loan amount with a cap of Rs 10,000.

    5. Floating interest rate of 10.50 per cent and above

    • Deutsche Bank offers an interest rate of 10.5 per cent and a flat processing fee of Rs 12,000 plus taxes. EMI per lakh works out to be Rs 998.
    • Bank of Maharashtra offers 10.55 per cent (up to 25 lakh) and 10.75 per cent above that. Accordingly the EMI works out to be Rs 1001 and Rs 1015 respectively. Processing fee is 0.25 per cent of the loan amount subject to maximum of Rs 25,000.
    • ING Vysya offers 10.75 per cent, the EMI for which works out to Rs 1015. Processing fee is 0.5 per cent of the loan amount.
    • Development Credit Bank and Dhanalakshmi Bank offer 11.50 per cent and charge a processing fee of 1 per cent. EMI per lakh works out to be Rs 1066.

    6. Fixed rates on offer

    • LIC Housing Finance offers 10.10 per cent (fixed for 2 years)
    • HDFC Ltd offers 10.15-10.65 per cent (fixed for 2-3 years) and 10.25- 10.75 per cent (fixed for 10 years).
    • Axis Bank offers 10.40 per cent (fixed for 20 years)

    Look out for festive offers when processing fee is waived off and always negotiate for better rates. Request your bank official to share complete details so that there are no surprises in the form of hidden charges, pre-payment charges etc. Also, find out about special rates applicable for self-employed individuals and women.

    Hope this compilation helps you in analysing what suits you best.

    Data source: deal4loans.com

    Disclaimer: All information in this article has been provided by Creditvidya.com and NDTV Profit is not responsible for the accuracy and completeness of the same.

    Story first published: Feb 14, 2015 13:46 IST