SBI trims housing loan processing fee

The country's largest lender State Bank of India has halved the housing loan processing fee, a move that could be followed by other public sector lenders in the coming days.

The Bank has slashed the fee for processing a home loan above Rs 75 lakh to Rs 10000 PP 20000, although the loans between Rs 30-75 lakh fees have been reduced to Rs 6,500 10,000 PP in the past, a senior SBI official said.

The new fee structure to apply from 11 January the official added.

The official, but added that the processing fee for loans below Rs 30 lakh remains 0.25 per cent of the loan amount.

The reason for lowering the fee is to promote the bank's home loan products, an official said.

Competitors like ICICI Bank and Axis Bank for 0.5 percent of total mortgage lending - both floating and fixed that.

At the same time, Bank of Baroda for the taxes of 0.4 percent of the loan amount or the maximum limit of Rs 50,000, while Bank of India charges a flat fee of Rs 20,000 between Rs 25-75 lakh home loans.

According to another public sector bank official, banks could offer some incentive to promote the product of over Rs 30 lakh home loan because there is a slight decline in this segment.

This could be in the form of a reduction in fees or a discount rate if interest rates did not decline by the end of the current fiscal, the official added.

Other private loans, particularly auto loans, some banks offer discount rates as well as the abandonment of most of the processing fee to collect.

Some bankers also felt that the processing fee may go up in the medium term. However, taxes are likely to persist over the next few months.

"Since most of the banks have done away with the advance of that, I know the fee for processing industry as a whole would tend to go over the medium term if not short term," Axis Bank Head (consumer loans and payments) Jairam Sridharan said.

Last year, the housing finance regulator National Housing Bank was directed to all housing finance companies to refrain from imposing pre-payment penalty on home loan borrowers.

Then many of the banks reported a loss of charge.

SBI, Bank of Baroda, Bank of India, Punjab National Bank are some of the banks, which are dismantled for the advance.

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