SBI Maxgain

PLR, Base Rate, MCLR and now RLLR (Repo rate linked lending rate)

June 17, 2019 by Deepesh Raghaw 13 Comments

Home loan interest rate benchmarks have kept on changing over the last decade. We used to have the Prime Lending Rate (PLR), which was replaced by Base Rate. The base rate, in turn, was replaced by the Marginal Cost of Funds based lending rate (MCLR) a couple of years back. Now, SBI is launching a home loan product where the benchmark is linked to the Repo rate. Internal … [Read more...] about PLR, Base Rate, MCLR and now RLLR (Repo rate linked lending rate)

Axis Bank QuikPay Home Loan: A home loan without EMI: What’s the catch?

April 23, 2019 by Deepesh Raghaw 4 Comments

While a home loan helps you purchase your dream house, an EMI is an unwanted by-product. If I were to tell you that there is a home loan product where you don’t have to pay EMI, what would you think? Don’t get too excited. You still have to make loan payments. Just that your monthly loan payments won’t be the same every month. EMI stands for Equated Monthly Installment. … [Read more...] about Axis Bank QuikPay Home Loan: A home loan without EMI: What’s the catch?

Things to keep in mind if you have SBI MaxGain Loan

April 13, 2019 by Deepesh Raghaw 13 Comments

Most of us have to take home loans to purchase a house. Home loans come in multiple variants. One of the popular home loan variants is a Home Saver Loan. A prominent example is the SBI Maxgain Loan product. In this post, I would briefly touch upon how home saver loan products work and what are the things that you must keep in mind if you have already taken such a loan. How … [Read more...] about Things to keep in mind if you have SBI MaxGain Loan

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