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.