| Applicable Rates of Interest for Housing Loans | |||||
|---|---|---|---|---|---|
| Borrower Category | Income Based (IB) | Income Estimation (IE) |
Low LTV | Post Pension Programme |
Low Income Group Programme |
| Salaried | Base Rate 9.65% + Spread 0.30% Effective RoI- 9.95% |
NA | Base Rate 9.65% + Spread 0.50% Effective RoI- 10.15% |
Base Rate 9.65% + Spread 1% Effective RoI- 10.65% |
Base Rate 9.65% + Spread 1.50% Effective RoI- 11.15% |
| Self-employed (SEP/SENP) |
Base Rate 9.65% + Spread 0.45% Effective RoI- 10.10% |
Base Rate 9.65% + Spread 0.50% Effective RoI- 10.15% |
Base Rate 9.65% + Spread 0.70% Effective RoI- 10.35% |
NA | Base Rate 9.65% + Spread 1.50% Effective RoI- 11.15% |
| Non-Individual Loan Upto Rs.30 Lakh |
Base Rate 9.65% + Spread 1.50% Effective Rol- 11.15% |
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| Non-Individual Loan above Rs.30 Lakh |
Base Rate 9.65% + Spread 2% Effective Rol- 11.65% |
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