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Date : Aug 13, 2009

Question

I Got loan from SBI ,but now i need more money for my personal expenses and i constructing the house also, i need money to continue the construction at meantime i need extra money i want to switch the bank from SBI to HDFC BANK which one is better what can i do for this time I Got loan Amount of 13 L,but right now i need 18 L.Please advice me to get the good solution

Answer

Since you have taken a home loan at a floating rate of interest, it is anyways subject to change. You should explore the option of changing your home loan lender if you have maintained a good track record of repayment on the loan. Tax calculation can change the view on pre-payment. You can also check the 'Should I switch my loan' calculator on Apnaloan to check whether it makes sense to change the lender.

You may want to consider the prepayment charges payable to the exisitng lender and the processing fee to the new lender. You can check the home loan comparator to compare offers

 

 

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