Docstoc

HOUSING LOANS_BPLR LINKED INTEREST RATES

Document Sample
HOUSING LOANS_BPLR LINKED INTEREST RATES Powered By Docstoc
					     Personal Finance & Home, Car, Education etc.
       REVISED INTEREST RATES w.e.f.18.05.2011(BPLR 14.25%) (BASE RATE 9.50%)
         HOUSING LOANS(BPLR LINKED INTEREST RATES
 Loan Slabs /Tenure         Upto 5 years                 Above 5 to 15 years       Above 15 to 25 years
  Home loan Floating

  Loan upto Rs.30 lacs      3.50% below BPLR             3.25% below BPLR          3.00% below BPLR

  Above Rs.30 lacs &        2.50% below BPLR             2.25% below BPLR          2.00% below BPLR
  upto Rs.50 lacs
  Above Rs.50 lacs.         2.50% below BPLR             2.25% below BPLR          2.00% below BPLR

  Total Home LoanFloating

  Loan upto Rs.30lacs       3.50% below BPLR             3.25% below BPLR          3.00% below BPLR

  Above Rs.30 lacs &        2.50% below BPLR             2.25% below BPLR          2.00% below BPLR
  upto Rs.50 lacs
  Above Rs.50 lacs.         2.50% below BPLR             2.25% below BPLR          2.00% below BPLR


  Maxgain Floating

  Loan upto Rs.30 lacs      3.25% below BPLR             3.00% below BPLR          2.75% below BPLR

  Above Rs.30 lacs &        2.25% below BPLR             2.00% below BPLR          1.75% below BPLR
  upto Rs.50 lacs

  Above Rs.50 lacs.         2.25% below BPLR             2.00% below BPLR          1.75% below BPLR




   GRAH KAYA KALAP
Greh Kaya Kalap          3.50% below BPLR              3.25% below BPLR               3.00% below BPLR




  Fixed interest rates
      Upto ten years only for Home loan fix                                               12.75%* p.a.

      Upto ten years only for Total Home loan fix                                         12.75%* p.a.
      Upto ten years only) for CRE Home loan fix                                            13%* p.a.

 *Fixed rates loans will be subject to ‘force maejure’ clause and interest reset at the end of every two years on
 the basis of fixed interest rates prevailing then.
                 RATE OF INTEREST FOR HOME LOANS(LINKED WITH BASE RATE)
      Name of the Scheme
    HOME LOAN FLOATING        Loan up to and      > Rs. 30 lacs to Rs. >Rs. 75 Lacs
                              including Rs. 30    75 Lacs
                              Lacs
                              0.75% above Base    1.00% above Base     1.50%    above
                              Rate                Rate                 Base Rate
    TOTAL HOME LOANS          0.75% above Base    1.00% above Base     1.50%    above
    FLOATING                  Rate                Rate                 Base Rate
    MAXGAIN FLOATING          0.75% above Base    1.00% above Base     1.50%    above
                              Rate                Rate                 Base Rate
    CRE HOME LOAN             1.00% above Base    1.25% above Base     1.75%    above
                              Rate                Rate                 Base Rate


                                          GRAH KAYA KALAP
                               Greh Kaya Kalap      0.75% above Base Rate




   INTEREST SUBSIDY SCHEME FOR HOUSING URBAN POOR (ISHUP)

    House loan (EWS & LIG) Floating                    0.75% above Base Rate
    Up to Rs. 1.60 Lac




                         CAR LOANS (BPLR LINKED LOANS)
Product /Tenure           Upto 3 years            >3 years to 5 years          >5 years to 7 years
New Vehicles              1.25% below BPLR        1.00% below BPLR             0.75% below BPLR

Used Vehicles             2.00% above BPLR        2.25% above BPLR             2.25% above BPLR

Overdraft New             0.75% below BPLR        0.50% below BPLR             0.25% below BPLR




         CAR LOANS (BASE RATE LINKED LOANS)
         Product /Tenure
         New Vehicles                    2.00% above Base Rate

         Overdraft New                   2.50% above Base Rate

         Used Vehicles
         Up to 3 years                   6.50% above Base Rate
         >3 years to 7 years             6.75% above Base Rate
                   LOANS AGAINST OTHER SECURITIES
TL(PER) RBI RELIEF BONDS
Upto 3 yrs                  1.50% below BPLR   3% above Base Rate


Above 3 yrs & below 6 yrs   1.00% below BPLR   3.50% above Base Rate


DL(PER) AG UNITS OF UTI     1.50% below BPLR   3% above Base Rate
Upto 3 yrs

Above 3 yrs & below 6 yrs   1.00% below BPLR   3.50% above Base Rate


D L NSC PER
Upto 3 yrs                  1.50% below BPLR   3% above Base Rate


Above 3 yrs & below 6 yrs   1.00% below BPLR   3.50% above Base Rate



D L IVP/ KVP PER            1.50% below BPLR   3% above Base Rate
Upto 3 yrs


Above 3 yrs & below 6 yrs   1.00% below BPLR   3.50% above Base Rate


D L RBI RelBondsPER
Upto 3 yrs                  1.50% below BPLR   3% above Base Rate
                            1.00% below BPLR   3.50% above Base Rate
Above 3 yrs & below 6 yrs



OD NSC/KVP PER              1.50% below BPLR   3% above Base Rate
Upto 3 yrs


Above 3 yrs & below 6 yrs   1.00% below BPLR   3.50% above Base Rate



OD IVP PER                  1.50% below BPLR   3% above Base Rate
Upto 3 yrs
                            1.00% below BPLR   3.50% above Base Rate
Above 3 yrs & below 6 yrs


OD M F/UTI Invest PER       1.50% below BPLR   3% above Base Rate
Upto 3 yrs

Above 3 yrs & below 6 yrs   1.00% below BPLR   3.50% above Base Rate
    OD Oth Govt Security PER         1.50% below BPLR    3% above Base Rate
    Upto 3 yrs
                                     1.00% below BPLR    3.50% above Base Rate
    Above 3 yrs & below 6 yrs


                                     1.50% below BPLR    3% above Base Rate
    OD LIC/ULIP PER
    Upto 3 yrs

     Above 3 yrs & below 6 yrs       1.00% below BPLR    3.50% above Base Rate


    Dl (PER) AGAINST LIC POL.        1.50% below BPLR    3% above Base Rate
    Upto 3 yrs

    Above 3 yrs & below 6 yrs        1.00% below BPLR    3.50% above Base Rate




                   Interest Rate on other schemes
OD Pledge Gold Ornaments:                 At BPLR                4.50% above Base Rate

DL Against Gold Ornaments
SBP-Easy Loan i.e. Loan against
Mortgage of Immovable Property:
   Term Loan
Minimum Rs. 5 lacs Max Rs. 1 Crore         0.50% above BPLR       5% above Base Rate
Overdraft:
Minimum Rs. 5 lacs Max Rs. 1 Crore
                                          0.50% above BPLR       5% above Base Rate

Loan to Pensioners                        1.50% above BPLR        4.25% above Base Rate
   Gyan Jyoti
   Up to Rs. 4 lacs                       1.00% below BPLR       3.25% above Base Rate
                                          0.75%above BPLR        4.75% above Base Rate
   Above Rs. 4
   Consumer Durables                      2.50% above BPLR
   Two Wheeler loan
   (Floating)                             1.75% above BPLR       6.25% above Base Rate
                                          1.25%          above    5.75%     above     Base
                                           BPLR (under tie up     Rate (under tie up   with
    (Fix)                                  with RE)               RE)
                                          0.25% above floating    0.25% above floating rate
                                          rate
OD shares/deb./bonds PER
Up to 3 Yr                        1.50% above BPLR              6.00% above Base Rate
3 Yrs.& below 6 Yrs               2.00% above BPLR              6.50% above Base Rate

DL PER against
 shares/debentures/bonds          1.50% above BPLR              6.00% above Base Rate
Up to 3 Yr                        2.00% above BPLR              6.50% above Base Rate
3 Yrs.& below 6 Yrs
DL PER against
 MAG/MUTUAL FUND                  1.50% above BPLR              6.00% above Base Rate
Up to 3 Yr                        2.00% above BPLR              6.50% above Base Rate
3 Yrs.& below 6 Yrs

Loan to employees to purchase
shares of their companies under    3.50% above BPLR             8.00% above Base Rate
employees quota.


Personal Loan Scheme               2.25% above BPLR             6.75% above Base Rate
                                   Where        check     off   Where check off facility is
Personal Loan Scheme               facility      is      not    not available.
                                   available.                   6.25% above Base Rate
                                   1.75% above BPLR             Where check off facility is
                                   Where        check     off   available.
                                  facility is available.

Vayvasai Suvidha                  2.25% above BPLR              6.75% above Base Rate
Rent scheme                        0.50% above BPLR             5.00% above Base Rate
Earnest Money Scheme                   BPLR                     4.50% above Base Rate

OD Clean PER:                3.50% above BPLR                   8.00% above Base Rate
OD Clean NRI - PER
DL/OD (PER) FCNRB 3RD PARTY- 0.25% below BPLR                   4.25% above Base Rate
RUPEE

DL (PER) FCNRB-RUPEE-SELF         2.50% below BPLR              2% above Base Rate

SBP-EASY TRAVEL LOAN              3% above BPLR                 7.50% above Base Rate

Career Loan                        1% below BPLR 1%             3.50% above Base Rate
Upto Rs. 4 lacs                    above BPLR                   5.50% above Base Rate
Above Rs.4 lacs

				
DOCUMENT INFO
Shared By:
Categories:
Stats:
views:9
posted:7/18/2011
language:English
pages:5