Benefits of Applying Online
When Banks Compete, you win.
Apply for a Home Loan at ApnaPaisa and we will match your requirements with the best offers from our network of over 400 service providers. We will get a maximum of five providers to compete for your business. WHEN BANKS COMPETE YOU WIN. You can then decide which home loan is best for you based on:
- Lowest Interest Rate
- Lowest EMI
- No Pre-payment charges
- Lowest Processing Fees
- Maximum Eligible Loan Amount
- Mandatory Documents Required
- Lowest Processing Fees
Or any other factor that is important to you.
Negotiating Tips
1) If you have a good credit record and your income is sufficient to justify the loan you can negotiate on interest rates. You can also try and get Processing fees or legal or valuation fees reduced or completely waived.
2) If you go for a floating rate loan then pre-payment charges are not payable.
3) When interest rates are high and are expected to go down you should go in for a floating rate loan as it makes no sense to lock into high fixed rates or the so called Dual rate loans where rates remain fixed for a couple of years before shifting to regular floating rate loans. Please review this decision at least once every 6 months
4) Take term insurance and critical illness and accidental disability policy for the full loan amount to make sure you or your loved ones don't have to worry about loan repayment should you die or are disabled due to a critical illness or accident. You cannot be forced to buy this policy from the insurance company chosen by the lender - you should choose your own insurer.
IDBI Bank - Fixed
Interest Rate Min: 13.5
Interest Rate Max: 13.75
EMI: 24147 - 24508
Processing Fee: 1% of loan amount
Comparison Of IDBI Bank plans with similar plans
| Plan | Interest Rate Min | Interest Rate Max | EMI | Processing Fee |
|---|
Plans shortlisted by you
IDBI Bank - Fixed sss
13.5
13.75
24147 - 24508
1% of loan amount
| IDBI Bank - Fixed sss | 13.5 | 13.75 | 24147 - 24508 | 1% of loan amount |
Similar plans from Other Companies
ICICI Bank - 2 year fixed
10.75
10.75
20305
0.50% of loan amount
| ICICI Bank - 2 year fixed | 10.75 | 10.75 | 20305 | 0.50% of loan amount |
Corporation Bank - Fixed
13.35
13.35
23932
upto Rs 5 lakh- 0.50% of loan or min Rs 1000 & max Rs 2500, above Rs 5 lakh & upto Rs 15 lakh- 0.50% of loan or min Rs 2500 & max Rs 7500, above Rs 15 lakh & upto Rs 20 lakh- 0.50% of loan or min Rs 7500 & max Rs 10000, above
| Corporation Bank - Fixed | 13.35 | 13.35 | 23932 | upto Rs 5 lakh- 0.50% of loan or min Rs 1000 & max Rs 2500, above Rs 5 lakh & upto Rs 15 lakh- 0.50% of loan or min Rs 2500 & max Rs 7500, above Rs 15 lakh & upto Rs 20 lakh- 0.50% of loan or min Rs 7500 & max Rs 10000, above |
Dena Bank - Fixed
11.75
11.75
21674
For loans Upto Rs 50 Lakh - 0.25% of loan amount or max Rs 12,500, Above Rs 50 Lakh and upto 1 crore - 0.20% of the loan amount, maximum Rs 20,000, for loans above Rs.1 crore to Rs.5 crore - 0.15% of loan amount, maximum Rs 75,000/-, for loans above Rs 5 crore - 0.10% of loan amount, maximum Rs 1,00,000.
| Dena Bank - Fixed | 11.75 | 11.75 | 21674 | For loans Upto Rs 50 Lakh - 0.25% of loan amount or max Rs 12,500, Above Rs 50 Lakh and upto 1 crore - 0.20% of the loan amount, maximum Rs 20,000, for loans above Rs.1 crore to Rs.5 crore - 0.15% of loan amount, maximum Rs 75,000/-, for loans above Rs 5 crore - 0.10% of loan amount, maximum Rs 1,00,000. |
ICICI Bank - 3 years fixed
10.75
10.75
20305
0.50% of loan amount
| ICICI Bank - 3 years fixed | 10.75 | 10.75 | 20305 | 0.50% of loan amount |
South Indian Bank - Floating
14.15
14.15
25089
0.6% of loan amount, Max Rs 10000.
| South Indian Bank - Floating | 14.15 | 14.15 | 25089 | 0.6% of loan amount, Max Rs 10000. |
ICICI Bank - Fixed
14.5
14.5
25600
0.5% of loan amount plus applicable taxes and surcharge
| ICICI Bank - Fixed | 14.5 | 14.5 | 25600 | 0.5% of loan amount plus applicable taxes and surcharge |
Bank of India - Floating
10.5
10.5
19968
upto Rs 25 lakh- 0.5% of loan amount or min Rs 4000 and max Rs 10000, above Rs 25 lakh upto Rs 75 lakh- Rs 20000, above Rs 75 lacs - Rs 25000 and above Rs 3 cr- Rs 50000.
| Bank of India - Floating | 10.5 | 10.5 | 19968 | upto Rs 25 lakh- 0.5% of loan amount or min Rs 4000 and max Rs 10000, above Rs 25 lakh upto Rs 75 lakh- Rs 20000, above Rs 75 lacs - Rs 25000 and above Rs 3 cr- Rs 50000. |
State Bank of Bikaner& Jaipur - Floating
10.5
10.5
19968
0.6% of loan amount.
| State Bank of Bikaner& Jaipur - Floating | 10.5 | 10.5 | 19968 | 0.6% of loan amount. |
United Bank of India - Floating
11.7
11.7
21605
0.50% of the loan amount minimum. Minimum: Rs.1000/- and Maximum: Rs.10,000/-
| United Bank of India - Floating | 11.7 | 11.7 | 21605 | 0.50% of the loan amount minimum. Minimum: Rs.1000/- and Maximum: Rs.10,000/- |
Tamilnad Mercantile Bank Ltd - Floating
13.0
13.0
23432
0.50% of loan amount.
| Tamilnad Mercantile Bank Ltd - Floating | 13.0 | 13.0 | 23432 | 0.50% of loan amount. |
Axis Bank - Fixed - Nischint
11.75
11.75
21674
1% of loan amount
| Axis Bank - Fixed - Nischint | 11.75 | 11.75 | 21674 | 1% of loan amount |
Vijaya Bank - Floating
11.3
11.3
21054
upto Rs 25000- Nil, above Rs 25000 upto Rs 2 lakh- Rs 500, above Rs 2 lakh upto Rs 30 lakh- 0.5% of loan amount or max Rs 1000, above Rs 30 lakh- 0.5% of loan amount or min Rs 15000 and max Rs 20000
| Vijaya Bank - Floating | 11.3 | 11.3 | 21054 | upto Rs 25000- Nil, above Rs 25000 upto Rs 2 lakh- Rs 500, above Rs 2 lakh upto Rs 30 lakh- 0.5% of loan amount or max Rs 1000, above Rs 30 lakh- 0.5% of loan amount or min Rs 15000 and max Rs 20000 |
HDFC - Floating
10.75
10.75
20305
0.5% of loan amount
| HDFC - Floating | 10.75 | 10.75 | 20305 | 0.5% of loan amount |
Federal Bank - Floating
10.73
10.73
20278
0.50% of loan amount
| Federal Bank - Floating | 10.73 | 10.73 | 20278 | 0.50% of loan amount |
HDFC - Fixed
12.25
12.25
22371
0.50% of loan amount
| HDFC - Fixed | 12.25 | 12.25 | 22371 | 0.50% of loan amount |
Dena Bank - Floating
11.0
11.0
20644
For loans Upto Rs 50 Lakh - 0.25% of loan amount or max Rs 12,500, Above Rs 50 Lakh and upto 1 crore - 0.20% of the loan amount, maximum Rs 20,000, for loans above Rs.1 crore to Rs.5 crore - 0.15% of loan amount, maximum Rs 75,000/-, for loans above Rs 5 crore - 0.10% of loan amount, maximum Rs 1,00,000.
| Dena Bank - Floating | 11.0 | 11.0 | 20644 | For loans Upto Rs 50 Lakh - 0.25% of loan amount or max Rs 12,500, Above Rs 50 Lakh and upto 1 crore - 0.20% of the loan amount, maximum Rs 20,000, for loans above Rs.1 crore to Rs.5 crore - 0.15% of loan amount, maximum Rs 75,000/-, for loans above Rs 5 crore - 0.10% of loan amount, maximum Rs 1,00,000. |
SBI - Floating
10.5
10.5
19968
0.25% of loan amount
| SBI - Floating | 10.5 | 10.5 | 19968 | 0.25% of loan amount |
Corporation Bank - Floating
10.85
10.85
20440
upto Rs 5 lakh- 0.50% of loan or min Rs 1000 & max Rs 2500, above Rs 5 lakh & upto Rs 15 lakh- 0.50% of loan or min Rs 2500 & max Rs 7500, above Rs 15 lakh & upto Rs 20 lakh- 0.50% of loan or min Rs 7500 & max Rs 10000, above
| Corporation Bank - Floating | 10.85 | 10.85 | 20440 | upto Rs 5 lakh- 0.50% of loan or min Rs 1000 & max Rs 2500, above Rs 5 lakh & upto Rs 15 lakh- 0.50% of loan or min Rs 2500 & max Rs 7500, above Rs 15 lakh & upto Rs 20 lakh- 0.50% of loan or min Rs 7500 & max Rs 10000, above |
Deutsche Bank - Floating
11.25
11.25
20985
Nil
| Deutsche Bank - Floating | 11.25 | 11.25 | 20985 | Nil |
UCO Bank - Floating
11.75
12.25
21674 - 22371
0.5% of loan amount or min Rs 1000
| UCO Bank - Floating | 11.75 | 12.25 | 21674 - 22371 | 0.5% of loan amount or min Rs 1000 |
Allahabad Bank - Floating
11.75
11.75
21674
Nil
| Allahabad Bank - Floating | 11.75 | 11.75 | 21674 | Nil |
IDBI Bank - Floating
10.75
10.75
20305
1% of loan amount
| IDBI Bank - Floating | 10.75 | 10.75 | 20305 | 1% of loan amount |
Axis Bank - Floating
10.75
10.75
20305
1% on principal amount prepaid.
| Axis Bank - Floating | 10.75 | 10.75 | 20305 | 1% on principal amount prepaid. |
Bank of Baroda - Floating
11.0
11.0
20644
Nil
| Bank of Baroda - Floating | 11.0 | 11.0 | 20644 | Nil |
Canara Bank - Floating
11.5
11.5
21329
0.5% of loan amount.
| Canara Bank - Floating | 11.5 | 11.5 | 21329 | 0.5% of loan amount. |
Union Bank of India - Floating
10.5
10.5
19968
0.5% of loan amount or max Rs 15000
| Union Bank of India - Floating | 10.5 | 10.5 | 19968 | 0.5% of loan amount or max Rs 15000 |
DCB
11.25
11.5
20985 - 21329
0.5% of the loan amount, min Rs 5000.
| DCB | 11.25 | 11.5 | 20985 - 21329 | 0.5% of the loan amount, min Rs 5000. |
Citibank - Floating
14.0
14.0
24870
upto 1% of loan amount
| Citibank - Floating | 14.0 | 14.0 | 24870 | upto 1% of loan amount |
ICICI Bank - Floating
10.5
10.5
19968
0.5% of loan amount plus applicable taxes and surcharge
| ICICI Bank - Floating | 10.5 | 10.5 | 19968 | 0.5% of loan amount plus applicable taxes and surcharge |
Kotak Bank - Floating
10.5
11.5
19968 - 21329
1.25% of loan amount
| Kotak Bank - Floating | 10.5 | 11.5 | 19968 - 21329 | 1.25% of loan amount |
ICICI Bank - 1 year fixed
10.5
10.5
19968
0.50% of loan amount
| ICICI Bank - 1 year fixed | 10.5 | 10.5 | 19968 | 0.50% of loan amount |