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Date : Feb 28, 2009


sir is there any rate cut of interest those who existing car loan i took from hdfc in the month of apr 2008 but they are cuting same as i signed the terms of loan when i took it where as all the loan interst is cut down but not car loan kindly let me know the fact of same with rgds rk burman


The final decision of passing on the benefit of reduced rates to existing customers remains with the bank. A bank might or might not pass on the benefit of reduced interest rate to existing customers. You can probably close your existing loan and take a new loan from another bank that offers you a lower interest rate. However you might want to consider the prepayment penalty to be paid to close the existing loan and the processing fee of the new loan. You can apply for a car loan on apnaloan where multiple banks compete for your loan.



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