Compare Loan Rates, Benchmark Spreads & Lifetime Costs
Loan rates, terms aur estimated costs compare karein. Shared example ko customize karke har lender ki current conditions check karein.
Estimated interest ka difference
Is 20 saal ke scenario mein SBI Regular Home Loan ka estimated interest Axis Bank Super Saver Home Loan se ₹2,66,640 kam hai.
Is scenario mein har selected loan ke liye same amount aur term hai. Har lender ki amount aur tenure limits uske review mein check karein.
In catalogue records mein verification dates nahi hain. Current terms lender se confirm karein.
tuneCompare karne ke liye products chunein (Up to 3)
3 mein se 3 slots| Parameter / Feature | State Bank of IndiaSBI Regular Home Loan | HDFC BankHDFC Bank Home Loan | Axis BankAxis Bank Super Saver Home Loan |
|---|---|---|---|
| Starting Interest Rate | 8.40% – 9.65% p.a. | 8.50% – 9.40% p.a. | 8.75% – 9.80% p.a. |
| Benchmark & Spread | EBLR + 1.90% spread | REPO + 2.00% spread | REPO + 2.25% spread |
| Reset Frequency | Quarterly reset on 1st of the month following RBI Repo changes | Monthly/Quarterly reset linked to RBI Repo rate | Reset linked to Axis Bank RLLR quarterly |
| CIBIL 750+ (Prime Rate) | 8.40% – 8.75% | 8.50% – 8.75% | 8.75% – 9.10% |
| CIBIL 700 – 749 (Standard) | 8.75% – 9.15% | 8.75% – 9.10% | 9.10% – 9.45% |
| CIBIL < 700 (Sub-Prime) | 9.15% – 9.65% | 9.10% – 9.40% | 9.45% – 9.80% |
| Self-Employed Markup | +20 bps (+0.20%) | +15 bps (+0.15%) | +25 bps (+0.25%) |
| Processing Fee Cap | 0.35% (Min ₹2,000, Max ₹10,000) | 0.5% (Min ₹3,000, Max ₹15,000) | 0.5% (Min ₹10,000, Max ₹25,000) |
| Estimated Upfront Cash | ₹20,300 Fee: ₹10,000 + 18% GST (₹1,800) + Legal/Val: ₹8,500 | ₹27,700 Fee: ₹15,000 + 18% GST (₹2,700) + Legal/Val: ₹10,000 | ₹41,000 Fee: ₹25,000 + 18% GST (₹4,500) + Legal/Val: ₹11,500 |
| Max Tenure & LTV Limits | 360 Months (30 Years) Up to 90% LTV | 360 Months (30 Years) Up to 90% LTV | 360 Months (30 Years) Up to 85% LTV |
| Prepayment & Foreclosure | verified0% Floating Individual (RBI Mandate) Nil foreclosure charges for individual borrowers on floating rates per RBI mandate. | verified0% Floating Individual (RBI Mandate) Nil prepayment and foreclosure charges for individual floating rate home loans per RBI guidelines. | verified0% Floating Individual (RBI Mandate) Nil foreclosure charges on floating rate home loans for individual retail borrowers. |
| Overdraft / Smart Saver | check_circle Available | Not Available | check_circle Available |
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