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    Interest Rates - SBI Home Loan

    Uploaded by

    Heera Ramji
    The document outlines interest rates for various home loan products. It provides floating interest rates for term loans up to Rs. 30 lacs, between Rs. 30-75 lacs, and above Rs. 75 lacs. It also provides rates for MaxGain loans between Rs. 20-30 lacs, Rs. 30-75 lacs, and above Rs. 75 lacs up to Rs. 3 crores. The interest rates are specified as the 1 Year MCLR plus a certain basis points for both salaried and non-salaried borrowers, with women and higher risk grades often receiving higher rates.

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    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd

    Interest Rates - SBI Home Loan

    Uploaded by

    Heera Ramji
    58 views2 pages
    The document outlines interest rates for various home loan products. It provides floating interest rates for term loans up to Rs. 30 lacs, between Rs. 30-75 lacs, and above Rs. 75 lacs. It also provides rates for MaxGain loans between Rs. 20-30 lacs, Rs. 30-75 lacs, and above Rs. 75 lacs up to Rs. 3 crores. The interest rates are specified as the 1 Year MCLR plus a certain basis points for both salaried and non-salaried borrowers, with women and higher risk grades often receiving higher rates.

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    Interest rates - SBI home loan 10.12.2018

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    Interest rates - SBI home loan

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    The document outlines interest rates for various home loan products. It provides floating interest rates for term loans up to Rs. 30 lacs, between Rs. 30-75 lacs, and above Rs. 75 lacs. It also provides rates for MaxGain loans between Rs. 20-30 lacs, Rs. 30-75 lacs, and above Rs. 75 lacs up to Rs. 3 crores. The interest rates are specified as the 1 Year MCLR plus a certain basis points for both salaried and non-salaried borrowers, with women and higher risk grades often receiving higher rates.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    58 views2 pages

    Interest Rates - SBI Home Loan

    Uploaded by

    Heera Ramji
    The document outlines interest rates for various home loan products. It provides floating interest rates for term loans up to Rs. 30 lacs, between Rs. 30-75 lacs, and above Rs. 75 lacs. It also provides rates for MaxGain loans between Rs. 20-30 lacs, Rs. 30-75 lacs, and above Rs. 75 lacs up to Rs. 3 crores. The interest rates are specified as the 1 Year MCLR plus a certain basis points for both salaried and non-salaried borrowers, with women and higher risk grades often receiving higher rates.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    of 2

    HOME LOANS: FLOATING INTEREST CARD RATES

    A HOME LOANS (TERM LOAN) including CRE HL:

    I. TERM LOANS UPTO RS 30 LACS

    (1 Year MCLR: 8.55%)


    Salaried Borrowers (%) Non-Salaried Borrowers (%)
    LTV ≤ 80 1 Year MCLR + 20 bps, ER:8.75 1 Year MCLR + 35 bps, ER:8.90
    Women LTV > 80
    1 Year MCLR + 30 bps, ER:8.85 1 Year MCLR + 45 bps, ER:8.95
    and ≥ 90
    LTV ≤ 80 1 Year MCLR + 25 bps, ER:8.80 1 Year MCLR + 40 bps, ER:8.95
    Others LTV > 80
    1 Year MCLR + 35 bps, ER:8.90 1 Year MCLR + 50 bps, ER:9.5
    and ≥ 90

    II. TERM LOANS ABOVE RS 30 LACS AND UPTO RS 75 LACS:

    Salaried Borrowers (%): Non-Salaried Borrowers (%)


    RG-1, 2 ,3 1 Year MCLR + 35 bps, ER:8.90 1 Year MCLR + 50 bps, ER:9.05
    Women
    RG-4, 5, 6 1 Year MCLR + 45 bps, ER:9.0 1 Year MCLR + 60 bps, ER:9.15
    RG-1, 2, 3 1 Year MCLR + 40 bps, ER:8.95 1 Year MCLR + 55 bps, ER:9.10
    Others RG-4, 5, 6
    1 Year MCLR + 65 bps, ER:9.20
    and ≥ 90 1 Year MCLR + 50 bps, ER:9.05

    III. TERM LOANS ABOVE RS 75.00 LACS – FLOATING RATE: (1 Year MCLR: 8.55%)

    Salaried Borrowers (%): Non-Salaried Borrowers (%)


    RG-1, 2 ,3 1 Year MCLR + 45 bps, ER:9.0 1 Year MCLR + 60 bps, ER:9.15
    Women
    RG-4, 5, 6 1 Year MCLR + 55 bps, ER:9.10 1 Year MCLR + 70 bps, ER:9.25
    RG-1, 2, 3 1 Year MCLR + 50 bps, ER:9.00 1 Year MCLR + 65 bps, ER:9.20
    Others
    RG-4, 5, 6 1 Year MCLR + 60 bps, ER:9.15 1 Year MCLR + 80 bps, ER:9.35

    B. MAXGAIN - FLOATING INTEREST CARD RATE (Including CRE HL):


    I. Loans above Rs 20.00 Lacs & Up to Rs 30.00 Lacs

    Salaried Borrowers (%): Non-Salaried Borrowers (%)


    LTV ≤ 80 1 Year MCLR + 25 bps, ER:8.80 1 Year MCLR + 45 bps, ER:9.0
    Women LTV > 80
    1 Year MCLR + 35 bps, ER:8.90 1 Year MCLR + 55 bps, ER:9.10
    and ≥ 90
    LTV ≤ 80 1 Year MCLR + 30 bps, ER:8.85 1 Year MCLR + 50 bps, ER:9.05
    Others LTV > 80
    1 Year MCLR + 40 bps, ER:8.95
    and ≥ 90 1 Year MCLR + 60 bps, ER:9.15
    II. MAXGAIN-LOANS ABOVE RS 30 LACS & Up to RS 75 LACS

    Salaried Borrowers (%): Non-Salaried Borrowers (%)


    RG-1, 2 ,3 1 Year MCLR + 45 bps, ER:9.00 1 Year MCLR + 65 bps, ER:9.20
    Women
    RG-4, 5, 6 1 Year MCLR + 55 bps, ER:9.10 1 Year MCLR + 75 bps, ER:9.30
    RG-1, 2, 3 1 Year MCLR + 50 bps, ER:9.05 1 Year MCLR + 70 bps, ER:9.25
    Others
    RG-4, 5, 6 1 Year MCLR + 60 bps, ER:9.15
    1 Year MCLR + 80 bps, ER: 9.35

    III. MAXGAIN-LOANS ABOVE RS 75 LACS & UPTO RS 3 CRS- FLOATING RATE:

    Salaried Borrowers (%): Non-Salaried Borrowers (%)


    RG-1, 2 ,3 1-year MCLR +60 bps, ER:9.15 1 Year MCLR + 80 bps, ER:9.35
    Women
    RG-4, 5, 6 1 Year MCLR + 70 bps, ER: 9.25 1 Year MCLR + 90 bps, ER:9.45

    RG-1, 2, 3 1 Year MCLR + 65 bps, ER: 9.20 1 Year MCLR + 85 bps, ER:9.40
    Others
    RG-4, 5, 6 1 Year MCLR + 75 bps, ER: 9.30 1 Year MCLR +95 bps, ER:9.50

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