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The
country's largest home loan provider, State Bank of India (SBI) is
planning to rejig its loan portfolio with a smaller proportion of home
loans and higher contributions from small and medium enterprises (SME)
loans.
"Housing,
currently accounting for 18 percent of our loan portfolio. It need not
be so high. We look at rebalancing our loan portfolio with a higher
contribution from the SME sector. Sector has suffered because of
unfavorable prices and high interest rates. While home loan company will continue to grow, we would like to see a higher proportion of the SME sector loans, "said bank President, Pratip Chaudhuri.
The Bank recently reduced interest rates on car loans, SME loans and educational loans, leaving the home loan rate untouched. SME loans account for 12-14 percent of the bank's portfolio.
In
the home loan company also, there is no chance of rate cut unless there
is a reduction in cash reserve ratio (CRR) by the Reserve Bank of India
(RBI), Chaudhuri said. SBI recently surpassed HDFC, the largest home loan provider with over Rs 1.00000 crore outstanding loans.
"Our
home loan interest rate of 10.50 percent is already very low. A cut in
interest rates on housing loans is only possible with a CRR cut. If
there is a need for moderation of interest rates as CRR cut is the only
painless way to do it," Chaudhuri said .
The
Bank intends to approach credit rating agency Moody's Investors Service
to revise its ratings, which were downgraded to "D +" from "C-',
recently.
"Unlike
at the time of the review of Moody's, we now have a higher cash and
capital. When our financial results are audited by this week, we will
approach them to take a relook at the ratings," he said.
Commenting
on the capital requirement to meet Basel III standards, he said, "We
hope to generate Rs 11000-15000 crore of profit in 2012-13. Government
has allocated Rs 12,000 crore for capital in nationalized banks this
year, and We
hope to get a good share of this. That should be sufficient. In
addition, if we need capital, we can look at opportunities as qualified
institutional placement, follow-on public offering or a rights issue, "
The
bank hopes to close the year 2012-13 with a surplus of Rs 11000-15000
crore against Rs 11,700 crore last year, and net non-performing assets
(NPA) of 1.6 percent versus 1.8 percent.
Bank,
which intends to come out with a $ 1 billion Medium Term Notes (MTN)
issue soon, will use the proceeds to disbursal of its overseas branches.
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When
opened Delhi-based Mahendra Gupta a letter from the housing finance
companies recently, there was both good and bad news for him. The dark bit of information was that the 20-year home loans since 2008, he had to repay to go still 22 years. Despite
four years of regular repayments, the loan term due to the increase in
home loan rate of 10.25% in 2008 to up to 13% was added. The
good news was that Gupta lenders willing to convert the loan at a lower
interest rate if he was to pay a one time conversion fee. He got paid and the interest rate lowered 7300 to 10.5%. "My loan term was 272 months to 166 months," says the 35-year-old. Gupta is lucky. Not every lender offers its customers this option. Worse, very few keep their customers on interest rate changes or updates as they are on their repayment schedules. Most
banks only by the terms of the loan agreement, the lender may increase
the rate and accordingly extend the repayment term of office says to go.
If the concept can not be extended, the bank raises the EMI or ask the borrower to pay a lump sum.You need to be proactive about your repayment of the loan and check the interest rate. If the base rate was introduced, many thought would be more transparent home loan customers to get deals from their lenders. However,
many banks in order to discriminate between old and new customers,
provided the existing charge a higher rate than the new borrowers. If you will be charged against a higher rate, ask your bank to convert it to the rate for new borrowers.Do not assume your bank will not listen to your request. Home loan growth slowed from 15% in 2010-11 to 12.1% in 2011-12. More importantly, the RBI has given notice of early termination of banks and housing finance companies abolished. So, moving to another bank is not as expensive as it once was.The banks are willing to negotiate, especially if the borrower has a good repayment history. If a bank refuses to budge may seem a mild threat of moving the loan to another lender miracle.Balance term is of crucial importanceKeep the remaining term of your loan in mind if you sit at the negotiating table. When
Gupta turned his interest to 10.5% was from the earlier 13%, his tenure
of 22 years and 8 months to 8 years and 10 months was reduced. Remember that if your credit is less than 10 years to go, the benefits may not be as spectacular. As the table shows, the benefit is gradually reduced if your balance is less tenure. A
1.5 percentage point in interest rates will shave off nearly five years
of a 20-year loan, but it will reduce the term of one month if the loan
has only five years to go. Since you are paying a fee upfront conversion, the change can not be achieved at a significant profit. Go for it only if the reduction is at least 2 percentage points and your loan has to go more than 10 years.Cut the term of office is not the EMIIf the interest rate on your loan will be reduced, not make the mistake of reducing the EMI. It is a tempting idea, because it eases the pressure on your monthly budget. However, mean lower EMI's longer terms and higher interest costs. Instead, bring the tenure of the loan. Only if you really find it difficult to pay the EMI, you should opt for a lower rate. This
is especially true for people who have taken a great home loan, based
on a projected income, but do not have the kind of pay hikes expected of
them. Also, double-income families where one spouse has lost a job or not working, you will find this option useful.You should also check whether the new rate, which is offered to you, to the base rate of the bank is connected. Make sure there is not a promotional rate that is offered to new customers. The banks offer low prices to attract customers, but the rate hike after 2-3 years. Since home loan terms are usually offered to go 10-15 years, not only by the short-term benefits for the loan. The loan agreement should clearly indicate the interest spread between that rate and the bank base rate.For a new interest rate and to a lesser charge banks from 0.5 to 1 0.5% of the outstanding amount. However, switching to a new bank is much more expensive and takes longer to write. Even
if your previous lender to the collection of a prepayment penalty will
require the new lender from 0.5 to 1 0.5% as processing fees. There is also the convenience aspect. You
have to through the entire process from submission document evidence of
income and identity, and PAN card, etc. So make a cost-benefit analysis
before deciding to convert or go move to another lender.
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SEO
Do home sales get a boost after the RBI cut the repo rate by 50 basis points? Should we also expect that house prices will fall? Will the fence sitters now apply for home loans without wasting time?
These are the issues being discussed among the various parties in the realty world after the reduction of the repo rate. "Since
my salary is not very big, I'm glad that there will be some cuts in
home loan interest rates," Rajesh Trivedi, who works for a media house
in Noida, says.
Lalit
Kumar Jain, chairman of the Association of Real Estate Developers
Association of India (Credai), says, "I think fencesitters will enter
the market now." He expects home sales to rise by 10-15% on a month-to-month basis and 20% cumulatively on an annual basis.
About
Ahuja, Chief Executive Officer (Housing Services) of Jones Lang
LaSalle, said: "It is unlikely that housing prices come down because of
this rate cut is in fact very likely that there will be an upward bias
in the property. Rates Because of the expected improvement of emotion with buyers. "
"I
am disappointed with the RBI, as it has failed to bring cheer to the
faces of all those like me who have already taken a home loan and pay
high EMIs every month. For existing borrowers like me is
concerned, RBI has brought something good for them as the old borrowers
have to pay loans to the former prices, "Avtar Singh, a government
employee, said.
Harsh
Roongta, the CEO of Apnapaisa.com, said: "We see banks advertise some
symbolic interest rate cuts on mortgages, but the cuts are expected to
come from declining spreads over the base rate rather than a drop in
base rates themselves." There is also a mindset that interest rates may not apply across the board, but only in specific segments.
RBI surprised everyone by reducing repo rates by a full 50 basis points. But will home loan lenders home loan forcing asylum seekers? Experts
believe that only the new home loan consumers are likely to benefit
from this reduction instead of the existing consumers. The last rate cut was in April 2009. Between March 2010 and October 2011 had RBI raised rates by 3.75% over 13 consecutive rate hikes.
"With
signs of economic recovery and reduction of interest rates, one can
expect better sales in the coming quarters," Sanjay Khanna, director of
Kailash Nath Projects Pvt Ltd, says. "But
it is a well known fact that the property is heavily dependent on
non-banking finance. Till the time when the liquidity situation
improved, and banks start lending, I do not think prices will decrease,"
Khanna says.
With
banks tightening credit to the property sector, developers were forced
to take money from non-banking financial companies at 16-18% and from
private equity funds of 20-24%, property consultants say.
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Los Angeles Homeowners with a Bank of America mortgage has good reason to check their mailbox.
The
lender said Tuesday it has started to mail out letters to customers who
may qualify to have their mortgages reduced as part of a multistate
settlement over alleged foreclosure abuses.
Charlotte,
NC-based company estimates that more than 200,000 of its customers
could potentially be in line for a reduction in the principal balance on
their mortgage.
Some
customers may receive letters from the bank as early as this week
inviting them to provide financial information as part of a review of
the program. The bank plans to have sent most of the letters at the end of the third quarter.
Bank
of America estimates that customers who end up receiving the loan
modifications will save on average 30 percent per month on their
mortgage payments.
Among
the criteria to qualify, borrowers must owe more on their mortgage than
the property is worth, and be at least 60 days behind on payments,
which in January 31
Bank of America will reduce the amount homeowners by as much as $ 100,000 in some cases. And only mortgage, now owned by Bank of America would qualify. Those
owned by governmental entities Fannie Mae and Freddie Mac, or backed by
the Federal Housing Administration will not be eligible.
The lender said it began to reduce the principal balance on the mortgage in March, focuses mainly onAdhomeowners, who already had a loan modification offers under review.
Under
this initiative, said the bank has sent 5,000 test results change deal,
which represents potentially more than $ 700 million of forgiven
principal balances.
Bank
of America Corp., Wells Fargo & Co., agreed JPMorgan Chase &
Co., Citigroup Inc. and Ally Financial Inc. to a 25 billion dollar
settlement with 49 State Attorneys General and federal officials in
February.
Most
of the settlement is earmarked to reduce the loan to about 1 million
American households that owe more on their mortgages than their homes
are worth.
Around 11 million American households are "underwater" on their mortgages, meaning they owe more than their homes are worth. The
broader settlement is expected to reduce the loan only about 1 million
of them Americans and send checks to others who were wrongly foreclosed
on.
Of the big five lenders were Bank of America has the highest penalties: $ 11.8 billion.
The
settlement ended a painful chapter of the financial crisis, where home
values sank and one million square against foreclosure. Lender abuse worsened the crisis. Many companies are treated foreclosures without checking documents. Some
employees have signed papers that they had not read or used forged
signatures to speed foreclosures, a practice known as robo-signing.
In
autumn 2010, temporarily Bank of America along with other major lenders
halted foreclosures after a furor on robo-signed documents.
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