Often called a “streamline” refinance, an IRRRL may help you to: Lower your monthly mortgage payment by getting you a lower interest rate, or Make your monthly payments more stable by moving from a loan with an adjustable or variable interest rate (an interest rate that changes over time) to one that’s fixed (the same interest rate over the life of the loan)
Home Loan Interest Rate : Reduced home loan interest rates by ICICI. The Bank lowered the MCLR(marginal cost based lending rate) by 0.10% to 8.95%. ICICI's Home loans are quick and easy and the available at an attractive interest rate. Visit our website and apply for home loan now.
The EMI on Rs 20 Lakh home loan would depend on the tenure you are comfortable with and the interest applicable thereof. The prevailing interest rate on home loan is in the range of 7.25% to 8.25% pa depending on loan amount, tenure and credit score of the applicant.
P = Principal loan amount R = Monthly rate of interest i.e., the percentage rate of interest divided by 12 T = Total home loan tenure in months E = Home loan EMI Let’s take an example. If you opt for a housing loan of INR 20 lakh at an interest rate of 6.99% p.a., and your tenure is 20 years i.e., 240 months, then your EMI can be calculated as:
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