Home Loan Interest rates in all Banks

Bank Name	Floating Interest rate	Per lac EMI	Processing Fee	Prepayment Charges	% Change in last 6 mths
State Bank Of India	10.05%	Rs.968	Up to 25 lacs : 0.125% of loan amount minimum Rs.1000/- 25-75 lacs : Rs.3,250/- 75 & above : 5,000/-	Nil	No Change
ICICI Bank	10.40%	Rs.992	0.50% of loan amount upto 1 crore	N.A	2.46%
HDFC Ltd	10.40%	Rs.992	0.5% or maximum 10,000+service tax (12.36%)	No prepayment charges shall be payable for partial or full prepayments irrespective of the source	2.46%
HSBC Bank	11% - 11.25%	Rs.1032 - Rs.1049	1% of the loan amount applied for, subject to a minimum of Rs 10000 plus service tax. This fee is payable on application and is not refundable	Nil	N.A
LIC Housing	10.35% (for female applicants) or 10.60% (for male applicants)	Rs.988 (for female applicants) or Rs.1005 (for male applicants)	Up to 50 lacs : 10,000 +(Service tax) 50 lacs & above : 15,000 +(service tax)	Nil	No Change
AXIS Bank	10.25% (Upto 25 Lacs), then 10.75%	Rs.982 (Upto 25 Lacs), then Rs.1015	0.5% of the loan amount (Max. 10000/- + service tax for Salaried)	Nil	No Change (Upto 25 Lacs), then 1.42%
IDBI	10.25%	Rs.982	Up to .50%of loan amount (Rs 2500 to be collected at login and balance at the time of sanction )	If Balance Transfer then 2% Otherwise Nil	No Change
PNB Housing Finance	10.50% (For Salaried/SEP), 11% (SENP)	Rs.998 (For Salaried/SEP), Rs.1032 (SENP)	0.5%	NIL	No Change
ING Vysya	10.75%	Rs.1015	0.5% of the loan amount	NIL	N.A
Standard Chartered	10% (Upto 25Lacs), then 10.25% - 10.50%	Rs.965 (Upto 25Lacs), then Rs.982 - Rs.998	Rs.5500/- + Service tax	NIL	0.10% (Upto 25Lacs), then 0.98% - 2.43%
Citibank	10.75%	Rs.1015	0.25% or 5,000 + 12.36%( service tax)	NIL	4.87% (Upto 25 Lacs), then 2.38%
Deutsche Bank	10.50%	Rs.998	12000 + Service Tax	Nil	N.A
DHFL	11%	Rs.1032	1% for Salaried & 1.5% for SENP	NIL	2.32%
India Bulls	10.40% (Upto 25Lacs), then 11%	Rs.992 (Upto 25Lacs), then Rs.1032	Up to 30 lacs 5,000+12.36%(Service tax) 30 lacs & above : 15,000+12.36%(Service tax)	NIL	2.42% (Upto 25Lacs), the 2.32%
Federal Bank	10.50%	Rs.998	7,000 + Service Tax	N.A	No Change
Allahabad Bank	10.20% (Upto 25Lacs), then 10.45%	Rs.978 (Upto 25Lacs), then Rs.995	0.50% of loan amount, Maximum Rs. 10,000/-	NIL	N.A
Bank of Maharastra	10.55% (Upto 25lacs), then 10.75%	Rs.985 (Upto 25lacs), then Rs.1015	0.50% (Max. Rs. 50,000/-)	Nil	2.42% (Upto 25lacs), then 2.38%
Central Bank of India	10.25%	Rs.982	0.50% of the loan amount subject to maximum of Rs.20,000/-	Nil	2.38%
Corporation Bank	10.25%	Rs.982	0.50% of Loan amount (Max.Rs.50,000/-)	NIL	2.38%
Bank of India	10.25%	Rs.982	0.25% of loan amount. Min.Rs.1,000 and Max. Rs.20,000	Nil	2.5%
Union Bank of India	10%	Rs,965	Processing charges are 0.50% of the loan amount subject to maximum of Rs. 15,000	NIL	2.44%
United Bank of India	10.25%	Rs.982	0.50% of the loan amount	N.A	2.38%
UCO Bank	10.20%	Rs.978	0.5% of the loan amount, minimum Rs.1500/- & maximum Rs. 15000/-	NIL	N.A
Bank of Baroda	10.25%	Rs.982	Loan upto Rs.30 Lacs - 0.50% (Minimum Rs.5,000/-) Above 30 Lacs - 0.40% (Min. Rs.15,000/- & Max. Rs.50,000/-)	N.A.	N.A
Canara Bank	9.95%	Rs.962			4.78%
Oriental Bank of Commerce	10.25%	Rs.982	0.50% of the loan amount, subject to maximum of Rs. 20000/- plus service tax	NIL	No Change
Kotak Bank	10.75%	Rs.1015	0.25% - 0.5%	2% on Balance transfer else NIL	N.A
Dena Bank	10.25%	Rs.982	0.50% of sanctioned limit	N.A	0.48%
Punjab National Bank	10.25%	Rs.982			N.A
First Blue Home Finance	10.25% (for Salaried / SEP), 10.75% (For Self Employed) (Upto 25Lacs), Then 10.75% (for Salaried / SEP), 11.25% (For Self Employed)	Rs.982 (for Salaried / SEP), Rs.1015 (For Self Employed)	Salaried: Up to 30 lacs :7300 30 - 75 lacs : 11800 75 lacs & above : 15,000 + service tax(12.36%)	Nil	N.A
Vijaya Bank	10.50%	Rs.998	0.25% of loan amount. Maximum Rs.10000. Exclusive of Service Tax	N.A	N.A
Syndicate Bank	10.25%	Rs.982	upto Rs.25 lacs - 0.25% (Min Rs 1000 - Max Rs 5000) 26 lacs to 75 lacs - 0.55% (Max.Rs.500/-) above Rs.75 lacs - 0.55% (Max Rs.10000/-)	N.A	2.38%
Indian Overseas Bank	10.25%	Rs.982	A flat rate of 0.58% of the loan amount- maximum of Rs. 10,190/- There is no hidden charge. This is subject to change from time to time without prior intimation.	N.A	N.A
Development Credit Bank	11.50%	Rs.1066	1%	Nil	N.A
State Bank of Travancore	10.25%-10.50%	Rs.982 - Rs.998	Processing fees stands reduced by50% of normal charges during the campaign period	NIL	N.A
Tata capital Housing Finance ltd	10.75%	Rs.1015	0.5 to 1% off the loan amount.	N.A	N.A
Dhanalakshmi Bank	Scheme I: 11.50% (Fixed for 1 yr), Then 12% Scheme II: 12%	Scheme I: Rs.1066 (Fixed for 1 yr), Then Rs.1101 Scheme II: Rs.1101	1% + service tax	N.A	N.A
Indian Bank	10.20%	Rs.978	Nil	Nil	No Change

http://www.deal4loans.com/home-loans-interest-rates.php

HDFC Home Loan

Current Home Loan Interest Rates of HDFC Ltd Home Loan

Loan Schemes	Upto 20lacs	above 20lacs to 30lacs	above 30lacs to 75lacs	above 75lacs
HDFC Ltd	9.25% (Floating), 11.50% (Fixed)	9.50% (Floating), 11.50% (Fixed)	9.75% (Floating), 11.50% (Fixed)	9.75% (Floating), 11.50% (Fixed)

Eligibility Criteria & Documentation required for HDFC Ltd Home Loan

	Salaried	Self employed
AGE	21years to 58years	21years to 65years
Income	Rs.1,20,000 (p.a)	Rs.1,50,000 (p.a)
Loan Amount Offered	2,00,000 - 1,00,00000	2,00,000 - 2,00,00000
Tenure	5years-20years	5years-20years
Current Experience	3years	2years
Processing Fee	11000/- or 0.5%	11000/- or 0.5%
Documentation	1) Application form with photograph 2) Identity & residence proof 3) Latest salary slip, 4) Form 16 5) Last 6 months bank statements 6) Processing fee cheque	1) Application form with photograph 2) Identity & residence proof 3) Education qualifications certificate & proof of business existence 4) Business profile, Last 3 years profit/loss & balance sheet 5) Last 6 months bank statements 6) Processing fee cheque

HDFC Home Loan

A new home brings with it new hopes, joys and emotions. At HDFC, we have shared new hopes, joys and emotions with over 32 Lakh customers. Every customer has a specific and unique concern. Having earned an experience of 30 years in home loans, Our home loan product is customised to provide you solutions for your unique concern.

Features

Maximum loan 80% of the cost of the property (including the cost of the land) and based on the repayment capacity of the customer. Maximum Term 20 years subject to your retirement age. Applicant and Co- Applicant to the loan Home Loans can be applied for either individually or jointly. Proposed owners of the property, will have to be co-applicants. However, the co-applicants need not be coowners. Adjustable Rate Home Loan Loan under Adjustable Rate is linked to HDFC's Retail Prime Lending Rate (RPLR). The rate on your loan will be revised every three months from the date of first disbursement, if there is a change in RPLR, the interest rate on your loan may change. However, the EMI on the home loan disbursed will not change*. If the interest rate increases, the interest component in an EMI will increase and the principal component will reduce resulting in an extension of term of the loan, and vice versa when the interest rate decreases. * Conditions Apply Fixed Rate Purpose Purchase of Flat, row house, bungalow from developers Existing freehold properties Properties in an existing or proposed co-operative housing society or apartment owner's association First Power of Attorney purchases in Delhi for DDA flats allotted before 1992. Interest Rate Wef : 1st December 2010 RPLR: 15.00 Applicable Rates (Monthly Rest Basis) Fixed rates% Variable rates% Basis% RPLR Upto and including Rs 30 lacs 11.25 9.50 RPLR - 5.50 Rs.30.01 lacs to Rs.75 lacs 11.25 9.75 RPLR - 5.25 Rs.75.01 lacs and above 11.25 10.00 RPLR - 5.00 The above rates are subject to change without notice. Fees 0.5% of the loan amount applied plus applicable service taxes and cess. No Charges for Replacement of cheques Income Tax Certificates Accelerated Repayment Option  PART PREPAYMENT CHARGES: ADJUSTABLE RATE HOME LOAN [ARHL]/ DUAL RATE HOME LOAN [DRHL] For prepayments made within the first 3 years from the date of first disbursements , no prepayment charges will be payable for prepayments of upto 25% of the opening balance in any given financial year. For any amounts prepaid in excess thereof , prepayment charges of upto 2.00 % calculated on the excess amount being so prepaid shall be payable . FIXED RATE HOME LOAN [FRHL] No prepayment charge shall be payable for part prepayment of upto 25% of the opening balance of the loan in any given financial year. For any amounts prepaid in excess thereof shall bear a prepayment charge of upto 2.00 % of the amounts being so prepaid. PRE CLOSURE / FULL PREPAYMENTCHARGES : There shall be no incidence of Prepayment charges in the event a loan is preclosed (prepaid) in full out of own sources of the borrower.Any prepayment from sources other than own sources (*) shall be subject to a prepayment charge of 2.00% of the outstanding amounts being so prepaid (such amounts shall include all amounts prepaid during the given financial year). You shall be required to submit copies of your Bank Statements or any other documents that HDFC deems necessary to ascertain the source of prepayment. (*) The following is an indicative list of sources other than own sources. Sources other than Borrowers' own sources would include: Loans availed from various sources such as from employer, refinance facility, HDFC, other financial institutions for other purposes (whether or not linked to any security, including of mortgage of the property financed), relatives, friends or family members who are not co-borrowers. Payment from Sale of property financed either directly or through internal adjustment of another customer’s loan. Third Party cheques Surrender of property to developer Please note that the list as above is indicative only and not as such exhaustive in nature and for details kindly contact the nearest HDFC branch. Further, all cases of multiple payments during a given financial year leading to preclosure of loan shall be subject to pre closure charges. Documents You can download the Application Form and submit alongwith the following documents for an approval of loan. Salaried Customers Self Employed Professionals Self Employed Businessman Application form with photograph Application form with photograph Application form with photograph Identity and Residence Proof Identity and Residence Proof Identity and Residence Proof Latest Salary-slip Education Qualifications Certificate and Proof of business existence Education Qualifications Certificate and Proof of business existence Form 16 Last 3 years Income Tax returns (self and business) Business profile Last 6 months bank statements Last 3 years Profit /Loss and Balance Sheet Last 3 years Income Tax returns (self and business) Last 3 years Profit /Loss and Balance Sheet Processing fee cheque Last 6 months bank statements Last 6 months bank statements (self and business) Processing fee cheque Processing fee cheque Security Security for the loan is a first mortgage of the property to be financed, normally by way of deposit of title deeds and/or such other collateral security as may be necessary. Interim security may be required, if the property is under construction.

HDFC Home Loan

HDFC bank limited is an Indian commercial that was incorporated in 1994, right after the Reserve Bank of India permitted the establishment of banks for the private sector. This particular bank was promoted by the Housing Development Finance Corporation that is said to be one of the premier housing finance company in India. Today, it has more than a thousand branches and has more than three thousand automated teller machines all around India. An HDFC Home Loan is said to be the best in the market today because of its terms and of course its interest rates. Current assets of the bank are now more than a billion Indian rupees and are projected to grow more in the few years. HDFC bank is considered to be part of the Big Four banks in India. Its main competitors are State bank of India, Axis bank and ICICI bank.

HDFC bank has a lot of services that is offered to its patrons such as Retail banking services, whole sale banking services and even foreign exchange. The HDFC is known for its wholesale banking practices which almost any type of business can take advantage off. For corporations and business, the HDFC bank offers a lot of transactional and commercial services, working capital finance, trade services and cash management.

They are also said to be the leading provider in India for structure solutions that combines cash management with the merchant or vendor and distributor finance which is used to facilitate superior supply chain management for its clients. This bank also specializes in retail banking services which are bale to provide market customers with a lot of financial products and banking services. It functions as a one stop window for anyone’s banking requirements. Their products are backed by excellent service and delivered to customers through an ever growing branch network as well as other means such as automated teller machines, phone banking, mobile banking and also mobile banking.

Also, it is very easy to get an HDFC Home Loan because they have a lot of branches in almost every city in India. There are a lot of people that want to transact with HDFC because they are found almost anywhere in India and they have a name that is synonymous to stability, reliability and also accessibility. Having modern banking equipment gives them the accessibility that they want so that their clients can actually transact from anywhere in India so that they will not have hard time in doing their banking needs. HDFC Home Loan is one of the most sought after services that clients want from them because they are said to be the best in the business and they have the technical know how to give their clients the best deal possible.