Compare Karur Vysya Bank vs HSBC Bank Loan Against Property

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Bank	SBI HDFC ICICI Bank Axis Bank Citibank PNB Housing Finance LIC Housing Finance Kotak Bank Yes Bank Bajaj Home Finance IDFC First Bank RBL Bank Syndicate Bank IDBI Bank United Bank of India Allahabad Bank Andhra Bank Bank of India Canara Bank Central Bank of India Punjab and Sind Bank UCO Bank Union Bank of India Federal Bank DBS Bank India Shelters Piramal Housing Finance Cholamandalam IndusInd Bank Lakshmi Vilas Bank Jammu And Kashmir Bank Edelweiss South Indian Bank Karnataka Bank Dhan Laxmi Bank DCB Bank Indiabulls HDFC Bank Karur Vysya Bank PNB OBC Indian Overseas Bank Indian Bank Corporation Bank Standard Chartered Bank	SBI HDFC ICICI Bank Axis Bank Citibank PNB Housing Finance LIC Housing Finance Kotak Bank Yes Bank Bajaj Home Finance IDFC First Bank RBL Bank Syndicate Bank IDBI Bank Allahabad Bank Federal Bank Andhra Bank Bank of India Canara Bank Central Bank of India Punjab and Sind Bank UCO Bank Union Bank of India United Bank of India DBS Bank India Shelters Piramal Housing Finance Cholamandalam IndusInd Bank Lakshmi Vilas Bank Jammu And Kashmir Bank Edelweiss South Indian Bank Karnataka Bank Dhan Laxmi Bank DCB Bank Indiabulls HDFC Bank PNB OBC Indian Overseas Bank Indian Bank Corporation Bank HSBC Bank Standard Chartered Bank
Interest Rate	Interest Rate 9.25% - 12.50%	9.80% - 9.80%
Processing Fees	Processing Fees Upto 0.50%	Upto 1.00% Min ₹ 10,000;
Maximum Loan Amount	Maximum Loan Amount ₹ 5 Cr	₹ 10 Cr
Loan to Property Value Ratio	Loan to Property Value Ratio Upto 40%	Upto 65%
Maximum Tenure	Maximum Tenure 9 Years	15 Years
Lowest EMI Per Lakh	Lowest EMI Per Lakh ₹ 1,368	₹ 1,062
Benchmark Rate	Benchmark Rate RLLR	RLLR
Minimum Age	Minimum Age 21 Years	21 Years
Maximum Age	Maximum Age 65 Years	65 Years
Overdraft Facility	Overdraft Facility Y - OD	N
Customer Ratings (Read Reviews)	Customer Ratings (Read Reviews) 4/5.0	4/5.0

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Compare Loan Against Property EMI of Karur Vysya Bank and HSBC Bank

Loan Amount	Karur Vysya Bank	HSBC Bank
₹ 10 Lakh	₹ 13,676	₹ 10,624
₹ 15 Lakh	₹ 20,514	₹ 15,936
₹ 30 Lakh	₹ 41,027	₹ 31,872
₹ 50 Lakh	₹ 68,379	₹ 53,120

Which is a better bank for Loan Against Property – Karur Vysya Bank or HSBC Bank?

HSBC Bank offers lower Loan Against Property EMI at ₹ 1,062 on a Loan Against Property for 15 Years as compared to Karur Vysya Bank with a minimum EMI of ₹ 1,368 for 9 Years. Average customer ratings for HSBC Bank is currently at 4/5.0 which makes it a good choice for taking a Loan Against Property.

How does Karur Vysya Bank Loan Against Property compare with HSBC Bank Loan Against Property?

It is important to do a detailed comparison of Karur Vysya Bank and HSBC Bank on all loan terms and conditions to understand their differences and make an informed decision. Keep in mind that each bank’s scheme has its pros and cons that have to be evaluated before choosing the best offer. Some of the key results of the comparison between the two banks are:

Lowest Interest rate of Karur Vysya Bank Loan Against Property is 9.25%, which is lower than the lowest interest rate of HSBC Bank at 9.80% and hence, Karur Vysya Bank is offering a cheaper loan option.
When compared on other Loan Against Property charges such as processing fees, Karur Vysya Bank charges a lower processing fees of 0.50% of the loan amount vs HSBC Bank with a processing fees of 1.00% of loan amount.
HSBC Bank offers Loan Against Property upto 65% of the property value while Karur Vysya Bank offers mortgage loan upto 40% of property value. Hence, HSBC Bank can be a better option if you are looking for a high value amount.
HSBC Bank is a with its Loan Against Property rates benchmarked to RLLR. On the other hand, Karur Vysya Bank is a with its home loan rates benchmarked to RLLR. Hence, both banks are benchmarked to the same rate, making them a comparable option to choose from.
HSBC Bank with an average customer ratings of 4 is equally comparable to Karur Vysya Bank with an average customer rating of 4, and hence, the customer can expect the same kind of service levels from these banks.
Karur Vysya Bank offers special discounted rate Loan Against Property schemes for women, while HSBC Bank currently doesn’t have such schemes for women. Hence, women borrowers should consider Karur Vysya Bank.
One unique feature of Karur Vysya Bank is its overdraft facility which allows borrowers to minimize their interest outgo by paying interest only on the loan amount utilized. This scheme makes it an apt choice for self-employed and businessmen with fluctuating fund requirements.

Which bank offers a lower interest rate on Loan Against Property – Karur Vysya Bank or HSBC Bank?

As per the current rates, Karur Vysya Bank offers a lower interest rate of 9.25% on Loan Against Property when compared to HSBC Bank which offers a Loan Against Property at 9.80%.

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Loan Against Property News - Aug 2022

2022-08-18 : HDFC bank opens its first all women branch in Kerela`s kozhikode.
HDFC has opened its first all-women branch in Kozhikode. The branch, located in Cherootty Road, the hub of traders in the district, will have 4 women bankers. HDFC Bank is driving diversity and inclusion within the organization with a special focus on enhancing gender diversity.
2022-08-18 : CCI`s nod to the merger of HDFC Bank, HDFC Ltd.
The Competition Commission of India (CCI) has approved the proposal of merger of HDFC Bank and HDFC Ltd. Commission`s positive response to the combination involving amalgamation of HDFC Limited, HDFc Bank, HDFC Investments and HDFC Holdings.
2022-05-13 : South Indian Bank Posts all-time High Net Profit in Q4
The Bank has posted an all-time high net profit of ₹272 crores for Q4 in FY 22 against ₹6.79 crores during the corresponding period of the previous year.
2022-05-13 : Ujjivan Small Finance Bank Profit Falls by 7% for Q4
The bank has reported a 7 percent fall in its net profit to Rs 126.5 crore. Earlier, the bank had posted a net profit of Rs 136 crore in the same quarter of the preceding fiscal year 2020-21.
2022-05-03 : HDFC Profit Rises by 16% for Q4 of FY 2022
Housing Development Finance Corporation has reported a 16% year-on-year rise in its standalone net profit for the March quarter to Rs 3,700 crore on the back of strong growth in loans and net interest income (NII).

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