Every six months home loan borrowers should compare the interest rate on their own loan with the best rates available in the market. If the difference is 50 basis points or more, they should consider shifting. Many lenders waive the processing fee for customers who are transferring their loans from another lender.
The most significant cost involved in transferring is the stamp duty, which in a city like Mumbai is 0.2 per cent of loan value. Many customers are still on home loans linked to the base rate, an older benchmark. Such customers would be paying ...
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