Home Loan

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Based on my personal experience I would strongly suggest Max gain. In my case, I have already pre-paid my loan in the last 2-3 years (the original term was 12 years I think) and to have liquidity I have not closed the loan account. It means that for emergencies I can pull out that money whenever I want. As soon as I have some backup corpus created for emergencies, I can go ahead and close the loan account. As of now, I am not paying a single penny towards my existing home loan. No debt is a great feeling to have in life.
 
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You need to get this letter from your bank where they will certify that the signature is matching with their bank records.
 
Go for PNB Bank Home Loan. They are providing fixed interest rate of 10.5% for 10 yrs.[DOUBLEPOST=1387897789][/DOUBLEPOST]The only drawback of SBI is the amount of time they take for approval and disbursement. They took 52 working days for a friend of mine to get the loan disbursed after having all docs in place. Private banks disburse in 3-15 working days. I would suggest that you first take the loan from a private bank and then spend time for loan take over to SBI.
 
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Takeover would also take a long time when it comes to SBI. It'd be easier to invest that time and efforts initially to have peace of mind for the next 10 years.
 
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