What is the best ROI for home loan now?

[Samkhu]

I know at the start of year, ROI were quit attractive like 8.3 or may be less. I want to transfer my home loan which is at 8.5. Please share the bank name who offer loans at better ROI

 

[zacobite]

I know at the start of year, ROI were quit attractive like 8.3 or may be less. I want to transfer my home loan which is at 8.5. Please share the bank name who offer loans at better ROI

wait for festival season.. in 2 month u will get lotsa offer.. negotiate with your own bank.. they will reduce

 

[Capt. Sandeep Mathur]

as of now no one is offering below 8.6 i believe ..this is on a really good CIBIL

 

[zacobite]

as of now no one is offering below 8.6 i believe ..this is on a really good CIBIL

8.35 is also available.. but u may get lower ltv

 

[SukhpalHundal]

Almost all banks are roving around 8.35% to 8.9% at the current, not a great time to make a switch. Just like someone said above either wait for festivities to begin for great offers or reach out your bank for customised negotiation.

 

[sambhav_jain]

Hi All,

I want to construct a house. Canara bank is offering at 8.5%.
Should I wait it or take it as this loan is linked to repo rate. If rbi decrease the repo rate then my loan ROI will also decrease?

Please suggest if any other bank is offering low ROI

I am self employed.