Home Loan Interest Rates July 2017 - Compare & Apply Best Interest Rates

Home Loan Interest Rates  July  2017 - BANKSHARERATES   for your convenience we are providing to the best compare of Home Loan Interest Rate...

Home Loan Interest Rates July  2017 - BANKSHARERATES  for your convenience we are providing to the best compare of Home Loan Interest Rates of all banks ✓ ICICI ✓ Rate of Interest ✓ Eligibility ✓ Processing Charges ✓ PNB ✓  Tenure (Repayment Options) from top banks ✓   Bank of India ✓ SBI ✓ HDFC ✓ Axis ✓ Union Bank ✓ Bank of Baroda ✓ Kotak ✓ Allahabad Bank ✓ Canara Bank ✓ Indian Bank ✓ Dena Bank ✓ Syndicate Bank & more.

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Interest Rates are determined by many factors such like eligibility, loan amount, interest rate, tenure & more.

What is Interest Rate ?

In Home Loans there are two types of interest rate are there for the borrowers :

◆  FIXED INTEREST RATE

Fixed Interest Rate is not market linked and there rates is pre-determined as mentioned in the loan agreement. A fixed rate home loan is a home loan where the repayment of home loan interest rate in fixed over the entire period of the loan. The interest rate doesn't change with market fluctuations. A major component of the monthly installment in the earlier period part of the loan tenure is used to service the interest while the principal is served in the later parts of the tenure. The borrower is provided a home loan at a fixed interest rate for a certain period of time, normally anywhere from 1 to 10 years.

◆  FLOATING INTEREST RATE

Floating Interest Rate is market linked. The floating rate is always based on the base rate following which the floating rate is calculated. Floating interest rate by name implies that the rate of interest varies with market conditions. These loans are tied to a marginal cost of funds based lending rate (MCLR) or Base Rate (Banks) or BPLR / RPLR (Housing Finance Companies) and have a floating element. If the lending rate is revised up or down depending on the market conditions, the floating interest rate is also revised accordingly.

In the period of long term, The Floating Rates deliver the cheaper costs if we compare it to the Fixed Interest Rates.

Documents Required for Home Loan in India

List of papers / documents applicable to all applicants:
  • Proof business address, in case of non- salaried borrowers
  • 3 passport size photographs (including those affixed in loan application)
  • Banks/ Auto & Housing Loan Companies /other sources.
  • Proof of identification: Electoral ID Card / Passport / Driving License / PAN card.
  • Completed Home loan application
  • Brief write up of securities charged in respect of other loans availed from our Bank/other
  • Proof of residence: Electoral ID Card / Passport / Electricity Bill / Telephone Bill.
  • Signature identification from present bankers
  • Statement of bank account for the last six months
  • Personal Assets and Liabilities Statements in Bank’s standard format.

HOME LOAN INTEREST RATES JULY 2017

BANK NAME MCLR RATE FLOATING RATE

SBI - State Bank Of India

8.00%

8.60% - 8.65% (For Women), 8.65% - 8.70% (For Others)

ICICI Bank

8.20%

8.65% - 8.80%(For women) - 8.70% - 8.85%(For Others)

LIC Housing

8.50% - 8.70%

HDFC Ltd

8.15

8.65%(For women) - 8.70%(For Others)

AXIS Bank

8.90%

8.85%

DHFL

8.60% - 8.70%

IDBI

9.30%

9.30% - 9.35%

Union Bank of India

9.40%

8.65% - 8.70%

Bank of India

9.35%

9.70%

Tata capital Housing Finance ltd

9.10% - 9.15%

HSBC Bank

9.35% - 9.45%

Indian Bank

9.55% - 9.75%

Deutsche Bank

10.50%

Standard Chartered

9.35%

Federal Bank

9.14% - 9.54%

9.57% - 9.82%

Allahabad Bank

9.30% - 9.60%

9.45% - 9.70%

Central Bank of India

9.35%

9.35%

UCO Bank

9.30% - 9.65%

9.60%

Bank of Baroda

8.35%

8.35% - 8.55%

Canara Bank

9.15%

9.15% - 9.20%

Kotak Bank

8.90% - 9.65%

8.75%

Dena Bank

8.55%

8.55% - 8.80%

Vijaya Bank

9.20% - 9.55%

9.65%

Syndicate Bank

9.45%

9.45%

Citibank

8.05%

8.80%

PNB Housing Finance

8.90% - 9.10%

Indian Overseas Bank

9.50% - 9.90%

8.65% - 8.90%

Punjab National Bank

9.15%

8.45% - 8.50%

Development Credit Bank

9.82% - 10.83%

10.60%

State Bank of Travancore

10.45%

Bank of Maharastra

9.60%

8.95% - 9.05%

Dhanalakshmi Bank

10.35% - 10.60%

Andhra Bank

9.55%

9.50% - 9.70%

Karnataka Bank

9.20%

9.50% - 9.75%

INTEREST RATES ON HOME LOAN - ALL BANKS

BANK NAME - PER LAC EMI - PROCESSING CHARGES

JULY 2017

BANK NAME PER LAC EMI PROCESSING CHARGES

SBI - State Bank Of India

Rs.874 - Rs.877(For Women), Rs.877 - Rs.881(For Others)
Maximum upto Rs.10000+ S.T, 0% processing fee for all Central / State Govt. Employee

ICICI Bank

Rs.906(For women) - Rs.909(For Others)
0.50% - 1.00% of the loan amount or Rs. 1500/- (Rs. 2000/- for Mumbai, Delhi & Bangalore), whichever is higher + applicable Service Tax & Surcharge

LIC Housing

Rs.868 - Rs.881
Zero

HDFC Ltd

Rs.906
Up to 1.25% of the loan amount or ₹ 3,000 whichever is higher, plus applicable taxes

AXIS Bank

Rs.890
Up to 1% of the Loan amount subject to min of Rs.10,000/-

DHFL

Rs.874 - Rs.881
Rs.5,000 to Rs.20000 + document charges + Service Tax

IDBI

Rs.919 - Rs.922
NIL

Union Bank of India

Rs.877 - Rs.881
N.A

Bank of India

Rs.945
0.25% of loan amount Min.Rs.1,000 and Max. Rs.20,000/-

Tata capital Housing Finance ltd

Rs.906 - Rs.909
Zero Fee at the time of Login, to be charged at Disbursal only

HSBC Bank

Rs.922 - Rs.929
1% of the loan amount applied for, subject to a minimum of Rs 10000 + tax. This fee is payable on application and is not refundable

Indian Bank

Rs.1297 - Rs.1307
0.25% of loan amount with a max of Rs.20,000

Deutsche Bank

Rs.998
12000 + Service Tax

Standard Chartered

Rs.922
0.5 % - 1.50%

Federal Bank

Rs.937 - Rs.953
0.50% of the limit sanctioned with a minof 3,000+ST, max of 7,500+ST

Allahabad Bank

Rs.929 - Rs.945
NIL

Central Bank of India

Rs.922
Rs.20000/- or .50% of loan amount subject to max

UCO Bank

Rs.939
Nil (till 31.12.2016)

Bank of Baroda

Rs.858 - Rs.871
Upto Rs.50 lacs 0.5 % of loan amount (min Rs.7500 & Rs.12500) + tax
Above Rs.50 lacs 0.25% of loan amount(min Rs.7500 & Rs.20000) + tax

Canara Bank

Rs.909 - Rs.913
Waived till 26.01.2017

Kotak Bank

Rs.999
Zero

Dena Bank

Rs.871 - Rs.886
0.50% of sanctioned limit

Vijaya Bank

Rs.942
N.A

Syndicate Bank

Rs.870
Min. Rs.500/- & Max up to Rs.5000/-

Citibank

Rs.886
Rs. 5000 (Application fee)

PNB Housing Finance

Rs.893 - Rs.906
0.25% - 0.5%

Indian Overseas Bank

Rs.877 - Rs.893
A flat rate of 0.58% of the loan amount- max Rs. 10,190/-

Punjab National Bank

Rs.865 - Rs.868
NIL

Development Credit Bank

Rs.1005
1%

State Bank of Travancore

Rs.995
upto Rs.25,000 - Nil
Rs.25,000 above to Rs.2 lacs - Rs.500/-
Rs.2 lacs above- 0.50% of the loan amount max Rs.10000/-

Bank of Maharastra

Rs.897 - Rs.903
0.25% of the loan amount (subject to max Rs.25000/-)

Dhanalakshmi Bank

Rs.988 - Rs.1005
1.00 % of loan amount + tax (subject to min Rs. 10,000 + tax)

Andhra Bank

Rs.932 - Rs.945
0.50% of the loan amount or max Rs.10,000 + tax

Karnataka Bank

Rs.932 - Rs.949
0.25% with a min Rs.250

COMMENTS

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BANKSHARERATES is purely for informational purposes and is not intended to provide any specific financial, investment, commercial, accounting, tax, or legal advice. All the information provided here on www.banksharerates.com is correct to the best of our knowledge and belief. However we don't take any liability for the correctness of the information. The information provided here is indicative / might be indicative. Visitors need to check the correctness of the information from other sources or official websites.

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Bank Share Rates: Home Loan Interest Rates July 2017 - Compare & Apply Best Interest Rates
Home Loan Interest Rates July 2017 - Compare & Apply Best Interest Rates
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