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Home Loans  
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  Home Loans

Bank/Housing
Finance Corporation
Processing
Fee
Pre-Payment Penalty
0-5 Years
6-10 Years
Over 10 Years
      Fixed Floating Fixed Floating Fixed Floating
0.50% No penalty if upto 25% of loan is cleared per year. Else 2% on the amount in excess of 25% 7.75 7.25% 7.75 7.25% 7.75 7.25%
0%   8.25 7.75 8.75 7.75 8.75 7.75
  2% 7.75 7.25 8.5 8.0 8.75 8.25
0% Upto 3% 9.0 7.50 9.5 8.0 10.0 8.25
    8.5 7.5 9.25 7.75 9.25 8.25
    - 7.5 - 8.0 - 8.25
    11.75 8.25 11.75 8.25 11.75 8.75
    8.0 7.5 8.25 7.5 8.5 8.0
    8.00 8.00 8.5 8.5 8.75 8.75
0% 0 8.5 8.0 9.0 8.5 9.5 9.0
0% 0 8.5 7.5 9.00 8.00 - 8.25
    7.75 7.25 8.75 8.0 8.75 8.0
    8.25 8.25 9.0 9.0 9.0 9.5
    8.25 8.25 8.25 8.25 8.25 8.25
0.50% 0% 8.75 7.25 9.25 7.75 9.50 8.0
0 0 8.5 8.0 8.5 8.0 8.5 8.0
    - 7.25 - 7.5 - 8.0
GIC Housing Finance
     9.75 7.5 9.75 8.0 10.0 8.25
1.0% 2% 8.75 8.25 8.5 8.0 8.25 7.5
1.8%
Up to 25% of the loan amount every financial year - NIL, For amount over 25% of loan amount in every financial year- 2% of amount prepaid
 8.0 7.75 8.0 7.75 8.0 7.75
0.75% Nominal fee 9.25 7.5 9.25 8.0 9.25 8.25
0.50% 2% 8.5 8.0 8.5 8.0 8.5 8.0
0 0 8.0 7.5 8.5 8.0 9.0 8.0
0.5%   8.25 7.75 9.25 9.25    
  Nominal fee 8.5 8.5 8.25 7.25 8.0 7.5
1%   8.0 7.5 8.0 7.5 8.0 7.5
    8.0 7.5 8.5 8.0 8.75 8.25
    9.25 7.75 10.25 8.0 10.5 8.25
  No fee for part-prepayment. Else 2.5% 10.5 10.5 10.5 10.5 10.5 10.5
    7.5 7.25 8.25 8.0 8.5 8.25
0% 0 8.0 8.5 8.5 9.0 8.75 9.25
1%   8.0 7.5 8.5 8.0 8.75 8.25
0.5%   7.5 7.0 8.5 8.0 8.75 8.25
    9.00 8.75 9.00 8.75 9.00 8.75
Rs 1000 0 8.0 7.25 8.5 7.75 8.75 8.0
  0 9.75 9.5 10.25 10.0 10.75 10.5
1%   8.5 At PLR Minus 2.00% subject to a minimum of 9.5% 9.0 At PLR Minus 2.00% subject to a minimum of 9.5% 9.25 At PLR Minus 2.00% subject to a minimum of 9.5%
1%   7.5 7.0 8.25 8.0 8.5 8.25
 
 
   Commercial Loans
 
 Bank
 Loan amount
 ROI
 Repayment period
Corporation Bank Rs 25 lakhs 13.50% -
Dewan Housing Bank Rs 1 Crore 10.75  -  11.25%
11.25  -  11.50%		 1 - 5 years
6 - 10 years
HDFC 85% of value of property 11% 10 years
HDFC Bank 85% of value of property 12.25% 10 years
HUDCO Depends on the case 11% 10 years
ICICI Bank Rs 5 lakhs - Rs 50 lakhs subject to a maximum of 60% of the project cost(including the cost of the land) 12% 10 years
LIC Housing Finance Upto Rs 1 Crore 11.25 %  (Floating)
11.50 %   (Fixed)		 10 years
10 years
PNB Housing Finance Upto 10 lakhs 11.50% 10 years
Shelters Upto 50 Lakhs 14% 7 years
Sundram Home Finance 75% of the value of the property or Rs 1 crore, whichever is less 11.50% 10 years
 
 
    Education Loans
 
Scheme Name
Min. Loan (Rs) Max. Loan (Rs) Min. Term (mth) Max. Term(mth) Rate (%)
SBI Educational Loan
0
400,000
0
84
10.50
BOB -Scholar
0
400,000
0
60
11.25
Punjab National Bank Vidya Lakshyapurthi
0
400,000
0
84
11.50
SBI Educational Loan
400,001
1,500,000
0
84
11.50
SBI Educational Loan
400,001
750,000
0
84
11.50
BOB -Scholar
400,001
750,000
0
60
12.25
IDBI Education Loan (For Graduates)
0
400,000
0
96
12.25
BOB -Scholar
400,001
1,500,000
0
60
12.25
Punjab National Bank  Vidya Lakshyapurthi
400,001
750,000
0
84
12.50
Saraswat Bank Global Scholar
0
1,000,000
12
60
12.50
Saraswat Bank Global Scholar
0
1,000,000
61
84
12.50
Saraswati Education Loan
100,001
500,000
12
60
12.50
Saraswati Education Loan
0
100,000
12
60
12.50
Punjab National Bank Vidya Lakshyapurthi
400,001
1,500,000
0
84
12.50
IDBI Education Loan (For Graduates)
400,001
500,000
0
96
13.25
IDBI Education Loan (For Post Graduates)
0
400,000
0
60
14.50
IDBI Education Loan (For Post Graduates)
400,001
500,000
0
60
15.50
 
 
(Source :: apnaloan.com, moneycontrol.com, indiainfo.com, indiainfoline.com)
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