Home Loans

Floating Rate of Intrest
Period	SBI	ICICI	IDBI	HDFC
5 years	8.00%	7.50%	7.50%	7.50%
5 - 15 years	8.50%	7.50%	7.50%	7.50%
15 - 20 years	8.75%	7.50%	7.50%	7.50%
Fixed Rate of Intrest
Period	SBI	ICICI	IDBI	HDFC
5 years	8.50%	8.25%	8.25%	8.25%
5 - 15 years	9.00%	8.25%	8.25%	8.25%
15 - 20 years	9.25%	8.25%	8.25%	8.25%

* Processing fee 0.5% of the loan amount.
** Mortgage fee 1.00% of the loan amount. (Applicable Only in nationalised & Co-operative banks)

Income criteria for Salaried:
1. Minimum income should be Rs. 8,000/- pm (Net income)

Income criteria for Professionals:
1. 3 years Income-Tax Returns (Minimum Rs.1,00,000/-)

Income criteria for Non-Professionals:
1. 3 years Income-Tax Returns (Minimum Rs. 1,00,000/-)
2. Nature of business

Income criteria for NRI:
1. Minimum income Rs. 40,000/- or 1,000 USD
2. Minimum service in abroad should be more than 2 years

Banks

HDFC:
http://www.hdfc.com/Loans/homeloans_main.asp?tn=2&N=0