Home Loans Interest Rates (Current) - Interest Rates

Home Loans Interest Rates (Current)

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Home Loans Interest Rates (Current)

Home Loans Interest Rates (Current)

HOME LOANS: FLOATING INTEREST CARD RATES W.E.F.01.01.2020

(A)- HOME LOAN INTEREST CARD RATE STRUCTURE (FLOATING) :EBR 7.80%

LOAN AMOUNT	SALARIED
	TERM LOAN	MAXGAIN
Up to Rs 30 Lacs	EBR + 15 bps ER: 7.95% (ER: Effective Rate)	EBR + 40 bps ER: 8.20%
Above Rs 30 Lacs to Rs 75 Lacs	EBR + 40 bps ER: 8.20%	EBR + 65 bps ER: 8.45%
Above Rs 75 Lacs	EBR + 50 bps ER: 8.30%	EBR + 75bps ER: 8.55%

A premium of 15 bps will be added to the Card Rate for Non-Salaried Customers.
A premium of 10 bps will be added to the Card Rate for Loan up to Rs 30 Lacs if LTV ratio is >80% & <=90%.
A premium of 10 bps will be added to the Card Rate for customers falls under RG (4 to 6)
05 bps concession will be available to women.
Premium of Risk Grade 04 to 06, Loan up to Rs 30 Lacs if LTV ratio is >80% & <=90% and concession for women customers will be clubbed with Card Rate/ other premium for arriving at Final Rate for the customer.

Product	Applicable Interest Rate
Tribal Plus Scheme	An additional 10 bps will be added to the Final Rate
Home loan to Employees of Kerala Government scheme	EBR+25 bps,ER:8.05%
CRE Home Loan	An additional 50 bps premium will be added to the Final Rate

SBI Privilege and Shaurya Schemes EBR 7.80%

SBI Privilege and Shaurya Schemes

(a) Where check-off facility is provided by the Government Department / Defense Establishment under tie-up with our Bank –
Interest rate applicable to women will be applicable to men/others.
(b) Where check-off facility is not available–
Interest rates as applicable to others category will be applicable after taking into consideration the LTV Ratio, Risk Grade, gender and limit.

SBI REALTY LOANS

For First Five Years EBR 7.80%

LOAN AMOUNT	Applicable Interest Rate
Up to Rs 30 Lacs	EBR + 85 bps ER: 8.65%
Above Rs 30 Lacs to Rs 75 Lacs	EBR + 95 bps ER: 8.75%
Above Rs 75 Lac	EBR + 105 bps ER: 8.85%

A premium of 10 bps will be added to the Card Rate for customers falls under Risk Grade 04 to 06.
05 bps concession will be available to women
A premium of 05 bps will be added for the customers who is not having salary account with SBI
An additional premium of 395 bps will be added to the final rate in case the construction of house is not completed and a completion certificate is not submitted by borrowers within the stipulated period of 5 years from the date of first disbursement (New additional premium will be applicable for loans sanctioned w.e.f 01st October 2019)

(B)- HOME TOP UP CARD INTEREST RATE STRUCTURE (FLOATING) :EBR 7.80%

	Applicable Interest rate
	Term Loan	Overdraft
Up to Rs. 20lacs	EBR + 55 bps ER: 8.35%	N. A.
Above Rs.20 lacs and up to Rs.1 crore	EBR + 75 bps ER: 8.55%	EBR + 145 bps ER: 9.25%
Above Rs.1 crore and up to Rs.2crores	EBR + 95 bps ER: 8.75 %	EBR + 170 bps ER: 9.50 %
Above Rs.2 Crores and up to Rs.5 Crores	EBR + 140 bps ER: 9.20%
Above Rs.5 crores	EBR + 260 bps ER: 10.40%

A premium of 15 bps will be added to Card Rate for Non-Salaried Customers.
A premium of 10 bps will be added to the Card Rate for customers falls under Risk Grade 04 to 06.
Premium of Risk Grade 04 to 06 will be clubbed with other premium for arriving at final Rate for the customers.

EBR 7.80%

INSTA HOME TOP UP LOAN (Rs 01 Lacs to Rs 05 Lacs)

125 bps above EBR, irrespective of Risk Grades, Gender and occupation.

EBR 7.80%

SMART HOME TOP UP LOAN	Applicable Interest Rate
	SALARIED	NON-SALARIED
TERM LOAN	EBR + 110bps ER: 8.90%	EBR + 160 bps ER: 9.40%
OVERDRAFT	EBR + 160 bps ER: 9.40%	EBR + 210 bps ER: 9.90%

(C)- PERSONAL LOAN AGAINST PROPERTY (P-LAP) :EBR 7.80%

		Applicable Interest rate
Personal Loan Against Property (P-LAP) i) Salaried (where more than 50% of NMI is coming from salary income) and Non-Salaried (where more than 50% of NMI is coming from Business/ Profession or rental income income), If the residential property is self-Occupied	Up to Rs. 1crs	EBR + 185 bps ER: 9.65%
	Above Rs. 1 cr & up to Rs. 2 crs.	EBR + 235 bps ER: 10.15%
Personal Loan Against Property (P-LAP) ii) Salaried (where more than 50% of NMI is coming from salary income), If the residential property is not self-Occupied/ commercial property	Up to Rs. 1crs	EBR + 195 bps ER: 9.75%
	Above Rs. 1 cr & up to Rs. 2 crs.	EBR + 245 bps ER: 10.25%
Personal Loan Against Property (P-LAP) iii) Non-Salaried (where more than 50% of NMI is coming from Business/ Profession or rental income income), If the residential property is not self-Occupied/ commercial property	Up to Rs. 2 crs	EBR + 250 bps ER: 10.30%
Personal Loan Against Property (P-LAP) iv) Salaried and Non-Salaried (where more than 50% of NMI is coming from Business/ Profession or rental income income), If the residential property is not self-Occupied/ commercial property	Above Rs 2 crs and Up to Rs 7.5 crs	EBR + 270 bps ER: 10.50%

(D)- SBI BRIDGE LOAN :EBR 7.80%

	Applicable Interest rate
FOR FIRST YEAR	EBR + 255 bps ER: 10.35%
FOR SECOND YEAR	EBR + 355 bps ER: 11.35%

(E)- EMD SCHEME :EBR 7.80%

	Applicable Interest rate
EMD SCHEME	EBR + 350 bps ER: 11.30%

(F)- REVERSE MORTGAGE LOANEBR EBR 7.80%

	Applicable Interest rate
For Public	EBR + 210 bps ER: 9.90%
For SBI Pensioners	EBR + 110 bps ER: 8.90%

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Home Loans Interest Rates (Current) - Interest Rates