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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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