What is your current home loan rate of interest?

[vav009]

Kindly mention the bank name as well. Planning to take a Fresh Loan

SBI, 8.5 %

 

[VivekJn]

I am looking for home loan but i have low cibil score becuase my last credit card expired in 2018 whose last payment was pending by my bank send notification to wrong email id that's why i remain unaware about it. Currently that card got closed and i got NOC.
I am looking for 40L home loan which is almost 60% of property. My Experian score is 781 but my cibil is below 600.

Plaese drop message on my whatsapp 8951697448

 

[Lokesh Raghupathi]

Feel free to reach out if you require assistance with home loans or loans against property, offering a competitive rate of 8.40% from HDFC.

I have HDFC home loan i am presently paying interest of 8.80 can you help. additionally i also wanted to know if there is any way that i can make an online prepayment towards the principal. without sending an email to HDFC customer care or visiting the branch.

 

[cycleby]

What is the current home loan rate for plot + construction

 

[marshal]

I have a home loan with PNB Housing Finance. I was 9.5% till last month and recently i got it reduced to 8.65% based on my CIBIL.

How much your CIBIL now and when applied?

 

[Preeti Singh]

Kindly mention the bank name as well. Planning to take a Fresh Loan

Hi
I am working with Bank of Baroda. I am in home loan processing team with experience of more than 5 years. Bank of Baroda home loan is best in market. Please reach me out for to know more about it

 

[kedarjoshi]

8.35% with HDFC

 

[Sulabh P]

Got two loan sanctioned this week. Will chose one from these.
1. HDFC - 8.55%
2. Canara Bank - 8.4%

 

[marshal]

8.35% with HDFC

Kedarbhai How did you get this best rate?

I mean how long is your relationship with bank? What amount you maintain in account?
My rate is 8.6 , please can you suggest me way to reduce to 8.35

Hope for response.

 

[santoshraut]

8.5 % from Bank of Baroda
9.5% from Federal Bank

 

[kedarjoshi]

Kedarbhai How did you get this best rate?

I mean how long is your relationship with bank? What amount you maintain in account?
My rate is 8.6 , please can you suggest me way to reduce to 8.35

Hope for response.

I had a relationship with HDFC since 2009 (since my first home loan). Current loan balance is about 16 lakhs and I do occasional pre-payments as well.

To get good interest rate, there are two options -

1. Raise a rate adjustment request. This is the easiest method but may not give you best rate as it is an automated system.
2. I would suggest to go their office for pre-payment and ask them if rate adjustment is also possible. Usually if you have good history with regular payments then the staff offers better rate than option #1.

Best of luck.

 

[AlertsByVivek]

Hdfc 8.3

 

[AlertsByVivek]

HDFC My HL now reset to 8.05 from 1st March
as mentioned in the app

 

[Giant]

Aditya birla 10.5% its been more than 6month due to cibil issue got higer rate any suggestion should shift this to bob or any bank offering lower rate as my cibil is improved its 770+ and no dues.

 

[Giant]

Aditya birla 10.5% its been more than 6month due to cibil issue got higer rate any suggestion should shift this to bob or any bank offering lower rate as my cibil is improved its 770+ and no dues.

@ShavirB

 

[Arpit_Sharma]

8.25% for CIBIL Score > 750. PRATHAMA UP GRAMIN BANK (Regional Rural Bank).

 

[Arpit_Sharma]

Seems like 8.35 - 8.40% is lowest Interest Rate in current market. 8.15% being offered by Bank of Baroda is only for Government Employees

8.25% sir.PRATHAMA UP GRAMIN BANK

 

[himanshubansal93]

I have a home loan with PNB Housing Finance. I was 9.5% till last month and recently i got it reduced to 8.65% based on my CIBIL.

Do they do it? I have a small HL and have been trying to get my ROI reduced for a long time, but they want to charge ~3000 Rs for 0.1% reduction. I have made multiple requests and have also visited their office a few times, but they do not listen. They are always above market rate and they do not offer auto ROI reduction even if RBI reduces the repo rate. Yesterday only I spoke to them and they said they are still discussing whether to go for default ROI reduction based on RBI repo-rate.