BuildingSteps - Loans and Banks

COMPARISION OF VARIOUS BANKS

	ANZ Grindlays	Bank of Baroda	CanFin	CitiBank	Corporation bank	Dewan	GICHF	Global Housing
Loan fees charged
Application	0%	0.4%	1%	1.2%	0.5%	1%	0.8%	1%
Approval	2%	0%	1%	2%	0%	1%	1%	1%
Upfront fees	2%	0.4%	2%	3.2%	0.5%	2%	1.8%	2%
Finance
Maximum % finance	85	80	80	80	80	70	80	80
Maximum finance amount(lakhs)	100	10	25	50	25	15	30	25
Maximum tenure(yrs)	15	20	15	15	15	15	20	15
Minimum amount	2.1 lakhs	Rs. 25000	-	2.1 lakhs	-	Rs. 8000	Rs. 20000	-
Requirements
Guarantors	none	2	2	none	1	1	1	1
Prepayment charges	Nil	Nil	Rs. 250 for part-repayment	Rs. 500 for full repayment	Nil	Nil	Nil	Nil
Interest calculation	Daily reducing balance	Daily reducing balance	Annual reducing balance	Daily reducing balance	Monthly reducing balance	Annual reducing balance	Monthly reducing balance	Monthly reducing balance
Co-applicants income clubbed	Yes (family)	Yes	Yes (spouse, father)	Yes (family)	Yes (spouse)	Yes (spouse)	Yes (spouse)	Yes (spouse)
Age eligibility	-	-	-	-	18 to 50 yrs	-	-	Less than 55 yrs 18 to 55 yrs


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