|
|
GRUH
Finance
|
HDFC
|
HSBC
|
HUDCO
|
LICHF
|
SBI
Home
|
SBICI
|
Syndicate
bank
|
| Loan
fees charged |
| Application |
0.8%
|
0.8%
|
0%
|
0.5%
|
0.5%
|
0.8%
|
0.8%
|
0.1%
|
| Approval |
1.2%
|
1%
|
1.8%
|
1%
|
1%
|
1%
|
1.2%
|
0%
|
| Upfront
fees |
2%
|
1.8%
|
1.8%
|
1.5%
|
1.5%
|
1.8%
|
2%
|
0.1%
|
| Finance
|
Maximum
% finance |
85
|
85
|
80
|
85
|
80
|
85
|
85
|
75
|
Maximum
finance
amount(lakhs) |
100
|
10
|
25
|
50
|
25
|
15
|
30
|
25
|
Maximum
tenure(yrs) |
25
|
50
|
50
|
15
|
50
|
25
|
25
|
10
|
Minimum
amount |
Rs.
50000
|
-
|
2
lakhs
|
2.1
lakhs
|
-
|
-
|
Rs.
25000
|
-
|
| Requirements
|
| Guarantors |
1
|
2
|
1
|
2
|
1
|
2
|
none
|
1
|
Prepayment
charges |
Nil
|
after
1 year 0.5% upto 25.00% of the loan amt.
|
2%
early redemption charge 2% on amounts above 25% of loan
|
Nil
|
1%
for first 5 years
|
Nil
|
Nil
|
Nil
|
Interest
calculation |
Annual
reducing balance
|
Annual
reducing balance
|
Monthly
reducing balance
|
Monthly
reducing balance
|
Annual
reducing balance
|
Annual
reducing balance
|
Monthly
reducing balance
|
Monthly
reducing balance
|
Co-applicants
income
clubbed |
Yes
(spouse,father-son)
|
Yes
(spouse)
|
Yes
(spouse, father)
|
Yes
|
Yes
(family)
|
Yes
(family)
|
Yes
(spouse, father)
|
Yes
|
| Age
eligibility |
-
|
25
to 58 yrs/retirement
|
-
|
-
|
-
|
-
|
-
|
Not
more than 55 yrs
|
|
