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Tag: marginal cost of funds-based lending rate

Home ยป marginal cost of funds-based lending rate

Home Loans
By Sunita MishraApril 18, 2023

Which Bank is Best for Home Loan In 2023

Amid the Reserve Bank of India increasing the repo rate, home loans in India have become more expensive in 2023. ย While nearly all banks have implemented this rate hike in their home loan interest, … READ FULL STORY

Home Loans
By Sunita MishraMay 6, 2022

What is marginal cost of funds-based lending rate or MCLR?

With an aim to offer borrowers with a higher level of transparency and cost effectiveness, the banking system has from time to time introduced various rate-setting methodologies, based on which loan interest rates are … READ FULL STORY

Home Loans
By Amit SethiMay 6, 2022

Difference between HFC and bank: Which lender should you opt for?

New home buyers are often in a dilemma, over whether they should apply for a loan from a housing finance company (HFC) or a bank. The recent liquidity crisis being faced by non-banking finance … READ FULL STORY

Home Loans
By Balwant JainMay 6, 2022

How are home loan rates charged by banks and housing finance companies

Although the Reserve Bank of India (RBI) has effected several reductions in the repo rate (the rate at which banks borrow from the central bank), lending rates have not witnessed a corresponding change. Home … READ FULL STORY

Current News
By PTISeptember 21, 2022

Following smaller peers, SBI cuts loan rates by a nominal 5 bps

After repeated nudging by the Reserve Bank of India (RBI), the nation’s largest lender State Bank of India (SBI), on April 9, 2019, followed its smaller peers to lower the lending rates by a … READ FULL STORY

Home Loans
By Balwant JainMay 20, 2022

Why the recent reduction in repo rate by the RBI will not result in a reduction in home loan rates

In order to tide over temporary liquidity crunch, banks borrow from the Reserve Bank of India (RBI), against government securities. The rate at which the RBI lends money to banks, is known as the … READ FULL STORY

Home Loans
By Amit SethiFebruary 15, 2019

Home loan interest rates and EMI in top 15 banks, in February 2019

On February 7, 2019, the Reserve Bank of India (RBI) announced a cut in the repo rate by 25 basis points, during its bi-monthly monetary policy meet. With this, the repo rate now stands … READ FULL STORY

Home Loans
By Amit SethiSeptember 26, 2022

Home loan interest rates and EMI in top 15 banks, in December 2018

While economic indicators were signalling an upward trend in the interest rates up to a few weeks ago, the Reserve Bank of India (RBI) chose to maintain a status quo on key policy rates, … READ FULL STORY

Home Loans
By Amit SethiNovember 10, 2018

Home loan interest rates and EMIs in top 15 banks, in November 2018

Home loan interest rates are gradually escalating across banks. In the last monetary policy meet, on October 5, 2018, the RBI had maintained a status quo on key rates but indicated that it might … READ FULL STORY

Current News
By PTISeptember 3, 2018

SBI, ICICI hike benchmark lending rates by up to 0.2 per cent

The country’s largest lender, State Bank of India (SBI), has increased its marginal cost of funds-based lending rate (MCLR), by 20 basis points across all tenors up to three years, effective September 1, 2018. … READ FULL STORY

Home Loans
By Balwant JainJuly 7, 2018

External benchmarking of lending rates: How will it benefit home loan borrowers?

What is Primary Lending Rate regime After the deregulation of interest rates following the liberalisation of the economy, banks used to lend at a rate that was benchmarked against their internal rate, which was … READ FULL STORY

Home Loans
By Balwant JainMay 25, 2018

With banks increasing MCLR rates, what should home loan borrowers do?

Public sector banks, such as the State Bank of India and private sector lender, ICICI Bank, have recently announced an increase in their marginal cost of funds-based lending rate (MCLR). Consequently, the interest rates … READ FULL STORY

Home Loans
By Balwant JainMarch 19, 2018

Oriental Bank of Commerceโ€™s 40-year home loan: An analysis

People at the beginning of their careers, are generally not in a position to spare huge money for servicing a home loan, which they have to invariably take in order to finance the purchase … READ FULL STORY

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