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

ICICI Home Loan Eligibility And Intrest Rates

Current Home Loan Interest Rates of ICICI Bank Home Loan

Loan Schemes	Up to 30 Lacs	From 30 Lacs to 75 Lacs	Above 75 Lacs
ICICI Bank Home Loan	9.50%	9.75%	9.75%

Documentation required for ICICI Bank Home Loan

	Salaried	Self employed
Age	21years to 65years	21years to 65years
Income	Rs.1,44,000 (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	1years	3years
Processing Fee	0.5% of loan amount as Administrative Fee or Rs. 2,000, whichever is higher	0.5% of loan amount as Administrative Fee or Rs. 2,000, whichever is higher
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) Proof of business existence 4) Profile of the Business 5) Last 3years ITR 6) Last 6 months bank statements 7) Processing fee cheque

ICICI Home Loan

ICICI Bank Home Loans, offer unbeatable benefits to ensure that you get the best deal without any hassles.

As one of the leading home loan provider, ICICI Bank understands how special building a new home is for you and our Home Loan help you lay the foundation for your dream home.

ICICI offers you the most convenient home loan plans to suit your needs. With so many attractive features in every type of home loan we offer, creating the home you always wanted is no longer a distant dream. Some of our key benefits are:

• Guidance through out the process
  
• Home loan amounts suited to your needs
  
• Home Loan tenure upto 20 years
  
• Simplified documentation
  
• Doorstep delivery of home loan papers
  
• Sanction approval without having selected a property.
  
• Free Personal Accident Insurance (Terms & Conditions)
  
• Insurance options for your home loan at attractive premium
  

No matter what the requirement, we have an appropriate plan for you.Get the best deals, and finance your perfect home, only from ICICI Bank.

ICICI Bank announces it's Base Rate, valid from January 3, 2011

ICICI Bank has announced a shift in the existing benchmark rate from Floating Reference Rate (FRR)/ I-BAR the Base Rate (I-Base). The same will be effective for all it's mortgage products from July 1, 2010.

The current ICICI Bank Base Rate (I-Base) is at 8.25%. This is the minimum rate that ICICI Bank will charge to its new customers. 

Loan Amount

With ICICI Bank Home Loans, you can get a home loan suited to your needs. The home loan amount depends on your repayment capability and is restricted to a maximum of 80% of the cost of the property or the cost of construction as applicable. A number of factors are taken into account when assessing your repayment capacity. Repayment capacity takes into consideration factors such as income, age, qualifications, number of dependants, spouse's income, assets, liabilities, stability, continuity of occupation and savings history.

However, there are ways by which you can enhance your eligibility.

If your spouse is earning, put him/her as a co-applicant. The additional income shall be included to enhance your loan amount. In case of any co-owners they must necessarily be co-applicants.

The final amount to be sanctioned will depend on your repayment capacity. However, what you ultimately are entitled to will have to conform within the limits fixed for each loan.

Also, when the company looks at the total cost, registration charges, transfer charges and stamp duty costs are included. 

Documents required for the Sanctioning of Home Loan

 

ICICI Bank, offers attractive interest rates and unbeatable benefits to ensure that you get the best deal without any hassles. Keeping your convenience in consideration, we ask you for minimal mandatory documents for the sanctioning of your Loan Against Property. We require the following documents to sanction your Loan Against Property:

• Duly Completed Application Form
• Photograph
• Fee cheque
• Photo Identity Proof
• Signature Verification Proof
• Residence Address Proof
• Property documents as required

Document specific for Salaried

• Last 3 months' salary slips
• Form 16
• Bank Statement for last 6 months from salary account
• Repayment details on any existing loans or loan closure letter

Document specific for Self Employed

• Income Tax Return / Computation of Total Income / Auditors Report / Balance Sheet / Profit & Loss Account certified by Chartered Accountant for last 2 years (3 years for Home Equity) (both for business and personal of partners/directors)
• Bank Statement for last 6 months from operating account
• Repayment details on existing loans or loan closure letter
• Board Resolution in case of a company
• Proof of existence of the business entity
• Proof of Office Address
• Photo Identity Proof, Residence Address Proof, Signature Verification must be provided for all the main partners / directors