SBI Home Loan (New Loan / Takeover existing loan)
INTEREST RATES W.E.F. 07.09.2017
HOME LOANS: CARD RATES :
1. FLOATING & FIXED INTEREST HOME LOANS (TERM LOAN) including CRE HL:
I. LOANS UPTO RS 30 LACS (Including for Hamara Ghar)
A. For Salaried Borrowers (%):
Women
|
35 bps + 1 year MCLR, ER: 8.35
| |||
Others
|
40 bps above 1 year MCLR, ER: 8.40
| |||
B. For Non-Salaried Borrowers (%):
Women
|
45 bps + 1 year MCLR, ER: 8.45
| |||
Others
|
50 bps + 1 year MCLR, ER: 8.50
| |||
II. LOANS ABOVE RS 30 LACS AND UPTO RS 75 LACS: FLOATING RATE :
A. For Salaried Borrowers (%):
| RG-1, 2 ,3 | RG-4, 5, 6 | |
|---|---|---|
Women
|
1 year MCLR+ 35 bps, ER:8.35
|
1 year MCLR+ 40 bps, ER:8.40
|
Others
|
1 year MCLR+ 40bps, ER:8.40
|
1 year MCLR+45 bps, ER:8.45
|
B. For Non-Salaried Borrowers (%):
| RG-1, 2 ,3 | RG-4, 5, 6 | |
|---|---|---|
Women
|
1 year MCLR+ 50 bps, ER:8.50
|
1 year MCLR+ 55 bps, ER:8.55
|
Others
|
1 year MCLR+ 55 bps, ER:8.55
|
1 year MCLR+ 60 bps, ER:8.60
|
III. LOANS ABOVE RS 75.00 LACS : FLOATING RATE :
A. For Salaried Borrowers (%):
| RG-1, 2 ,3 | RG-4, 5, 6 | |
|---|---|---|
Women
|
1 year MCLR+ 45 bps, ER:8.45
|
1 year MCLR+ 50 bps, ER:8.50
|
Others
|
1 year MCLR+ 50 bps, ER:8.50
|
1 year MCLR+ 55 bps, ER:8.55
|
B. For Non-Salaried Borrowers (%):
| RG-1, 2 ,3 | RG-4, 5, 6 | |
|---|---|---|
Women
|
1 year MCLR+55 bps, ER:8.55
|
1 year MCLR+60 bps, ER:8.60
|
Others
|
1 year MCLR+60 bps, ER:8.60
|
1 year MCLR+ 65 bps, ER:8.65
|
2. MAXGAIN - FLOATING INTEREST CARD RATE (Including CRE HL):
I. Loans Above Rs 20.00 Lacs & Upto Rs 30.00 Lacs :
A. For Salaried Borrowers (%):
| RG-1, 2 ,3 | RG-4, 5, 6 | |
|---|---|---|
Women
|
1 year MCLR+40 bps, ER: 8.40
|
1 year MCLR+40 bps, ER: 8.40
|
Others
|
1 year MCLR+45 bps, ER: 8.45
|
1 year MCLR+45 bps, ER: 8.45
|
B. For Non-Salaried Borrowers (%):
| RG-1, 2 ,3 | RG-4, 5, 6 | |
|---|---|---|
Women
|
1 year MCLR+50 bps, ER: 8.50
|
1 year MCLR+50 bps, ER: 8.50
|
Others
|
1 year MCLR+ 55 bps, ER: 8.55
|
1 year MCLR+ 55 bps, ER: 8.55
|
II. MAXGAIN-LOANS ABOVE RS 30 LACS TO RS 75 LACS :
A. For Salaried Borrowers (%):
| RG-1, 2 ,3 | RG-4, 5, 6 | |
|---|---|---|
Women
|
1 year MCLR+45 bps, ER: 8.45
|
1 year MCLR+50 bps, ER: 8.50
|
Others
|
1 year MCLR+50 bps, ER: 8.50
|
1 year MCLR+55 bps, ER: 8.55
|
B. For Non-Salaried Borrowers (%):
| RG-1, 2 ,3 | RG-4, 5, 6 | |
|---|---|---|
Women
|
1 year MCLR+60 bps, ER: 8.60
|
1 year MCLR+65 bps, ER: 8.65
|
Others
|
1 year MCLR+65 bps, ER: 8.65
|
1 year MCLR+70 bps, ER: 8.70
|
III. MAXGAIN-LOANS ABOBE RS 75 LACS & UPTO RS 3 CRS- FLOATING RATE:
A. For Salaried Borrowers (%):
| RG-1, 2 ,3 | RG-4, 5, 6 | |
|---|---|---|
Women
|
1 year MCLR+50 bps, ER: 8.50
|
1 year MCLR+55 bps, ER: 8.55
|
Others
|
1 year MCLR+60 bps, ER: 8.60
|
1year MCLR+65 bps, ER: 8.65
|
B. For Non-Salaried Borrowers (%):
| RG-1, 2 ,3 | RG-4, 5, 6 | |
|---|---|---|
Women
|
1 year MCLR+ 65 bps, ER: 8.65
|
1 year MCLR+ 70 bps, ER: 8.70
|
Others
|
1 year MCLR+ 70 bps, ER: 8.70
|
1 year MCLR+ 75 bps, ER: 8.75
|
HOME TOP UP LOANS: CARD RATES :
I. INSTA HOME TOP UP LOAN :
Insta Home Top Up Loan (Rs.1 lac to Rs.5 lacs)
|
60 bps above 1 year MCLR,ER: 8.60%, irrespective of Risk Grades, gender and occupation
|
II. HOME TOP UP LOANS (other than Insta Home Top Up Loans) :
A. FOR SALRIED BORROWERS: TERM LOANS(%):
Risk Grade
|
TERM LOANS
| |
Upto Rs. 20lacs
|
RG-1, 2 , 3
|
1 year MCLR+ 40 bps, ER: 8.40
|
RG-4, 5, 6
|
1 year MCLR+ 50 bps, ER: 8.50
| |
Above Rs.20lacs and upto Rs.1crore
|
RG-1, 2, 3
|
1 year MCLR+ 60 bps, ER: 8.60
|
RG-4, 5, 6
|
1 year MCLR+ 70 bps, ER: 8.70
| |
Above Rs.1 crore and upto Rs.2crores
|
RG-1, 2, 3
|
1 year MCLR+ 70 bps, ER: 8.70
|
RG-4, 5, 6
|
1 year MCLR+ 80 bps, ER: 8.80
| |
Above Rs.2 crores and upto Rs.5crores
|
RG-1, 2, 3
|
1 year MCLR+110 bps, ER: 9.10
|
RG-4, 5, 6
|
1 year MCLR+120 bps, ER: 9.20
|
B. FOR SALRIED BORROWERS: OVERDRAFT
Risk Grade
|
OVERDRAFT
| |
Overdraft above Rs 20 lacs and uptoRs 1 crore
|
RG-1, 2 , 3
|
1 year MCLR+130 bps,ER: 9.30
|
RG-4, 5, 6
|
1 year MCLR+140 bps, ER: 9.40
| |
Overdraftabove Rs.1 crore and upto Rs.2 crores
|
RG-1, 2, 3
|
1 year MCLR+150 bps,ER: 9.50
|
RG-4, 5, 6
|
1 year MCLR+160 bps,ER: 9.60
|
C. FOR NON-SALRIED BORROWERS: TERM LOAN
Risk Grade
|
TERM LOANS
| |
Upto Rs. 20lacs
|
RG-1, 2 , 3
|
1 year MCLR+ 50 bps, ER: 8.50
|
RG-4, 5, 6
|
1 year MCLR+ 60 bps, ER: 8.60
| |
Above Rs.20lacs and upto Rs.1crore
|
RG-1, 2, 3
|
1 year MCLR+ 70 bps, ER: 8.70
|
RG-4, 5, 6
|
1 year MCLR+ 80 bps, ER: 8.80
| |
Above Rs.1 crore and upto Rs.2crores
|
RG-1, 2, 3
|
1 year MCLR+ 80 bps, ER: 8.80
|
RG-4, 5, 6
|
1 year MCLR+ 90 bps, ER: 8.90
| |
Above Rs.2 crores and upto Rs.5 crores
|
RG-1, 2, 3
|
1 year MCLR+120 bps, ER: 9.20
|
RG-4, 5, 6
|
1 year MCLR+130 bps, ER: 9.30
|
D. FOR NON-SALRIED BORROWERS: OVERDRAFT
Risk Grade
|
OVERDRAFT
| |
Overdraft aboveRs 20 lacs and uptoRs 1 crore
|
RG-1, 2 , 3
|
1 year MCLR+140 bps,ER: 9.40
|
RG-4, 5, 6
|
1 year MCLR+150 bps,ER: 9.50
| |
Overdraft above Rs.1 crores and upto Rs.2 crores
|
RG-1, 2, 3
|
1 year MCLR+160 bps,ER: 9.60
|
RG-4, 5, 6
|
1 year MCLR+170 bps, ER: 9.70
|
Before Sanction
1-Search Report -4000Rs (Not required if project has valid APF no) 2- Valuation - 885 Rs
3. For loan above 50 lacs - agreement copy from reg office (1000+ pages*20)Rs
Post Sanction
3- Loan Mortgage charges 0.2 % of loan amount.and Rs 3870 (1500 documentation+2000 Intemation+118 Cersai)
4-Property insurance (approx.- 272 per lakh/10yr) Mandatory 5-Life insurance premium
Does search report still required in case of loan transfer. The property already has APF number at the time loan was taken in Dec 2011. Also builder has provided soft copy of the search report from 2008/2010.
ReplyDeleteIn case of Loan transfer (takeover)search report is mandatory regardless of property had APF from SBI. APF validity is one year and need to be renewed after one year.
ReplyDelete