Home Loan Comparison
IDBI Bank Home Loan vs Aditya Birla Housing Finance Ltd Home Loan vs Sammaan Capital Home Loan vs RBL Bank Home Loan
Introduction
Buying a home is a major milestone, and finding the right loan is key. Let's explore what IDBI Bank, Aditya Birla Housing Finance Ltd, Sammaan Capital, and RBL Bank offer in terms of interest rates, loan terms, and special benefits. By comparing their features, you can make an informed decision that fits your financial situation.
Bank Highlights
IDBI Bank Home Loan
- Quick Processing
- Top up facility up to 100%
- Power-Packed customized Features to suit your Home Loan requirements.
- Flexible Loan Repayment Options
- Most experienced personnel for smooth and easy loan processing.
- Already approved projects for convenience of Home Loan buyers
Aditya Birla Housing Finance Ltd Home Loan
- •Doorstep service by dedicated Relationship Manager
- Wide Loan amount range
- Flexible repayment period
- Complimentary Home beautification services
- Wide array of eligibility methods
Sammaan Capital Home Loan
- •Customized repayment solutions
- All round assistance
- No prepayment charges
- Door step services
- Minimal documentation
RBL Bank Home Loan
- Housing Loans of up to INR 15 Crores
- Attractive interest rates
- Tax benefits up to 3.5 lakhs*
- Flexibility Tailored for You.
- Easy top up loans in future.
Disclaimer
The interest rates, maximum tenures, and other charges are subject to change, and it's advisable to check with our experts for the most current information.
Home Loan Calculations
IDBI Bank vs Aditya Birla Housing Finance Ltd vs Sammaan Capital vs RBL Bank Calculations
Calculator
Home Loan EMI Calculator
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Feature Comparison
Rate of Interest
When selecting a home loan among IDBI Bank, Aditya Birla Housing Finance Ltd, Sammaan Capital, and RBL Bank, it's essential to assess the interest rates. IDBI Bank offers rates of 8.00% - 12.50%, making it attractive for lower monthly instalments. Aditya Birla Housing Finance Ltd provides rates of 8.50% - 10.5%, potentially yielding better long-term benefits. Meanwhile, Sammaan Capital has rates of 8.75% - 15.00%, suitable for borrowers seeking flexibility. RBL Bank offers rates of 9.00%-11.00%, ideal for those prioritizing competitive initial rates.
Loan Tenure
IDBI Bank extends loan tenures up to Max 30 Years, ideal for minimising monthly financial strain. Aditya Birla Housing Finance Ltd allows up to Max 30 years, catering to those who prefer a balanced repayment period. Sammaan Capital offers up to Max 30 years, perfect for borrowers aiming for quicker loan settlement. RBL Bank provides loan tenures up to Max 30 years, offering additional flexibility for repayment plans.
Maximum Loan Amount
For maximum loan amounts, IDBI Bank supports up to 5cr - 10cr, ideal for high-value property purchases. Aditya Birla Housing Finance Ltd caps at Upto 5cr, suitable for standard investments. Sammaan Capital provides up to Upto 5cr, fitting for modest real estate ventures. RBL Bank offers loans up to Upto 15 Cr, accommodating a wide range of property values.
Processing Fees
Processing fees vary across banks. IDBI Bank charges 0.50% of loan amount (Plus applicable taxes), Aditya Birla Housing Finance Ltd imposes Up to 1.75% of the loan amount, Sammaan Capital requires 0.50% onwards of loan amount, and RBL Bank sets its fee at Up to 1.5% of the loan amount or up to Rs 15,000. It's crucial to factor these fees into your initial loan costs.
Conclusion
To make an informed decision that aligns with your financial goals, carefully consider these crucial factors—interest rates, eligibility criteria, loan tenure, maximum loan amount, and processing fees—of the home loan products from IDBI Bank, Aditya Birla Housing Finance Ltd, Sammaan Capital, and RBL Bank.
Get detailed answers to the most frequently asked questions, tailored for your peace of mind.