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I have taken a Home Loan from SBI through bank directly. The loan amount was 12L and the rate interest was 8.25% normal. 11K is EMI and the 400 rupees is for insurance with the tenure period of 20 years and I received the amount within 30 days.
SBI Balance Transfer Home Loan
Just enter the proposed loan amount, the tenure of the loan, the interest rate the bank is offering you, and the processing fee. Not entering the processing fee will not affect your results, but the other three inputs are mandatory to get precise results. All in all, if you want a Home Loan against unapproved property, you must have a very good credit score, and you must be ready to accept lesser loan amount at higher interest rates. It is recommended to use professional advice so that you can avail of the maximum amount at the best possible rate.
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FAQs on SBI Plot Loan
The amount given for 23 lakhs not sufficient as per my requirement for the tenure of 15 years. SBI is the first choice of every home loan seekers in India. State Bank of India home loan offered by SBI is the ideal choice because of lowest home loan interest rate, Lower Processing fees, special offers every month for women, Govt. On this page you can check all the necessary or important points about the SBI home loan which helps you in taking a decision which is beneficial for you in long term of home loan.
They are not going to lend at 80% LTV, which they do for an approved property but anywhere between 70% to 75%. So, you can expect Home Loan on such property anywhere between 6.5 to 7 lakhs only. Getting a Home Loan against unapproved property is possible, but the process will involve certain considerations which may not have been applicable in approved properties. Its due to the low rate of interest, i have selected the home loan from SBI. They have offered me a interest rate of 8.24%.
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For SBI balance transfer loans, is the pre-payment penalty also included? Yes, the prepayment penalty will be funded in the SBI balance transfer loans but the total loan amount will be subject to the eligibility as per the relevant SBI home loan scheme. Pradhan Mantri Awas Yojana can help you save money on your first house.
The concept of urban planning has been relatively new in India. If you look at any major city in the country, only Chandigarh has the distinction of being a planned city. Almost all other cities have grown in a relatively unplanned manner.
Nearly 11 years before I had taken a home loan with STATE BANK OF INDIA which was processed directly to them.The loan amount was sufficient for the tenure period of 15 years. The rate of interest and processing fee are nominal. They have sanctioned a loan within few days and the process was good. In SBI interest rate and external charges are less when compared to other bank, so that I have selected the home loan from this bank.
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Not only does no other Home Loan provider offer such a low percentage of the processing fee, no other lender has a higher ceiling on the processing fee they charge. The loans are easily available to both salaried and business income borrowers. SBI also offers interest concession to women borrowers and a Home Loan overdraft facility. The bank is providing lower interest rates during the festive season.
State Bank of India offers attractive interest rates on home loans starting at 8.55% p.a.The loan tenure can be extended up to 30 years, ensuring a comfortable repayment period. The processing fee on these loans is 0.35% of the loan amount (Min. Rs.2,000; Max. Rs.10,000) plus applicable taxes. Women borrowers are also offered an interest concession of 0.05% on SBI Home Loans. No hidden charges and a full waiver of prepayment charges make them one of the most preferred housing loan products in the country. Another great factor about SBI Home Loan is the very low processing fee charged by the bank. They levy a market lowest of just 0.4% of the loan amount as processing fee, subject to a minimum of Rs. 10,000 and a maximum of just Rs 30,000.
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