Catalogue loan products dekhein, planning estimates compare karein aur lender-linked reviews padhein. Rates, eligibility aur conditions har lender se check karein.
Is catalogue ki verification date recorded nahi hai. Yeh planning examples hain, current offers confirm nahi hue. Decision se pehle lender sources aur product limits check karein.
8 Catalogue products · Catalogue starting rate ke order mein
| Bank aur product | Interest Rate | Benchmark spread | Maximum tenure | Processing fee | Actions |
|---|---|---|---|---|---|
Canara Bank | 7.15% - 10.00% p.a. on reducing | RLLR + 0.00% | 30 saal (360 months) | 0.5% (cap ₹10,000) + 18% GST | |
Punjab National BankOverdraft | 8.10% - 9.50% p.a. on reducing | RLLR + 0.10% | 30 saal (360 months) | 0.35% (cap ₹15,000) + 18% GST | |
State Bank of IndiaOverdraft | 8.40% - 9.65% p.a. on reducing | EBLR + 1.90% | 30 saal (360 months) | 0.35% (cap ₹10,000) + 18% GST | |
Bank of BarodaOverdraft | 8.40% - 10.60% p.a. on reducing | RLLR + 1.90% | 30 saal (360 months) | 0.25% (cap ₹10,000) + 18% GST | |
Bajaj Housing Finance | 8.45% - 10.30% p.a. on reducing | REPO + 1.95% | 30 saal (360 months) | 0.3% (cap ₹8,500) + 18% GST | |
HDFC Bank | 8.50% - 9.40% p.a. on reducing | REPO + 2.00% | 30 saal (360 months) | 0.5% (cap ₹15,000) + 18% GST | |
ICICI BankOverdraft | 8.75% - 9.65% p.a. on reducing | REPO + 2.25% | 30 saal (360 months) | 0.5% (cap ₹12,500) + 18% GST | |
Axis BankOverdraft | 8.75% - 9.80% p.a. on reducing | REPO + 2.25% | 30 saal (360 months) | 0.5% (cap ₹25,000) + 18% GST |
October 2019 se commercial banks ke sabhi retail floating-rate home loans RBI ke mandatory External Benchmark Lending Rate (EBLR/Repo) se linked hain. Repo rate revise hone par aapka interest rate 90 days ke andar update hota hai, jo purane MCLR system se zyada transparent hai.
RBI Master Directions ke mutabik individual borrowers ke floating-rate housing loans par foreclosure aur part-prepayment penalty bilkul 0% hoti hai. Aap bina kisi additional fee ke anytime principal prepay karke interest burden drastically cut kar sakte hain.
Income Tax Act ke tahat home loans par substantial tax savings milti hain: Section 24(b) me self-occupied house ke interest payment par ₹2,00,000 tak ki annual deduction claim ki ja sakti hai, aur Section 80C ke under principal repayment par ₹1,50,000 tak ki exemption milti hai.
RBI Master Directions ke mutabik individual retail borrowers ko home, auto aur personal credit lines par floating interest rate hone par koi bhi foreclosure ya prepayment penalty nahi deni hoti.
Commercial banks ko retail credit ki pricing RBI Repo Rate (EBLR) jaise external benchmarks se link karni padti hai. Loan tenure ke dauran spread arbitrary change nahi ho sakta.
CredSutra Day-1 upfront cash outgo (processing fees, 18% GST, legal/valuation charges) aur lifetime compounding interest dono ko combine karke transparent cost discovery deta hai.
Is catalogue ki verification date recorded nahi hai. Yeh planning examples hain, current offers confirm nahi hue. Decision se pehle lender sources aur product limits check karein.