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CHARGE MORE INTREST TO MY HOME LOAN A/C -Kailash-Mehta- | Loans and Credit Cards | 1 Reply

08
Jun
2013

I HAD GIVEN PROPOSAL FOR HOME LOAN ON NOV -DEC 2010 AND GOT SANCTIONED ON FEB 2011 UNDER THE BANKS TEASURE SCHEME WHICH WAS FIXED INTEREST RATE @ 8.5 % FOR FIRST 24 MONTHS & 1% EXTRA FOR NEXT 12 MONTH & THERE AFTER AS PER THE MARKET RATE BUT BANK HAS CHARGE ME AS PER THE MARKET RATE THE MISTAKE WAS ACCEPTED BY THE BANK AND TOLD ME THE DIFFRENCE WILL BE CREDITED TO MY A/C IN THE PERIOD BETWEEN THE CONCERN OFFICER WAS BEING TRANSFER AND THE NEW OFFICER ALSO ACCEPT THE COMPLAINT TILL 01 FEB THE OFFICER KEPT TELLING ME THAT THE AMOUNT WILL BE CREDITED BUT 02 FEB HE REFUSED ME. SO PLEASE GUDE ME WHAT SHOULD I DO?

By IndianMoney Experts - 2013-Jun-10
Dear Kailash, Kindly contact the State bank of India Customer Care on their Toll free number 18004253800 in order to resolve your complaint. RBI sets interest rates but it is banks who decide how much interest they need to charge.Under fixed rate of interest, interest charged is invariable throughout the loan period. But this will come at a cost. Interest rates on fixed home loans are higher than those on floating home loans. Sure you get the certainty that home loan rates will not rise but you end up paying more for it. The interest rate on a fixed home loan is around 1% - 1.25% higher than that for a flexible home loan.. If you feel that you are being charged interest rates heavily you always have an option to refinance the home loan from some other bank which charges lesser interest rates on your home loan . You can always look up the website IndianMoney.com for your home loan needs.
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