Compare Loan Against Property - Syndicate Bank vs Jammu And Kashmir Bank

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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 Union Bank of India Lakshmi Vilas Bank Allahabad Bank Andhra Bank Bank of India Canara Bank Central Bank of India Punjab and Sind Bank UCO Bank South Indian Bank United Bank of India DBS Bank Piramal Housing Finance Cholamandalam IndusInd Bank Federal Bank Edelweiss Karnataka Bank Dhan Laxmi Bank DCB Bank Indiabulls HDFC Bank Karur Vysya Bank PNB OBC Indian Overseas Bank Indian Bank Corporation Bank HSBC 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 IDBI Bank Union Bank of India Lakshmi Vilas Bank Allahabad Bank Andhra Bank Bank of India Canara Bank Central Bank of India Punjab and Sind Bank UCO Bank Federal Bank United Bank of India DBS Bank Piramal Housing Finance Cholamandalam IndusInd 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 HSBC Bank Standard Chartered Bank
Parameters
Interest Rate	Interest Rate 11.50% - 11.50%	7.40% - 7.40%
Processing Fees	Processing Fees Upto 0.50% Min ₹ 500;	Upto 0.20%
Maximum Loan Amount	Maximum Loan Amount ₹ 5 Cr	₹ 1 Cr
Loan to Property Value Ratio	Loan to Property Value Ratio Upto 60%	Upto 60%
Maximum Tenure	Maximum Tenure 10 Years	7 Years
Lowest EMI Per Lakh	Lowest EMI Per Lakh ₹ 1,406	₹ 1,529
Benchmark Rate	Benchmark Rate RLLR	RLLR
Minimum Age	Minimum Age 21 Years	21 Years
Maximum Age	Maximum Age 65 Years	60 Years
Overdraft Facility	Overdraft Facility N	N
Customer Ratings (Read Reviews)	Customer Ratings (Read Reviews)

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Compare EMI of Syndicate Bank and Jammu And Kashmir Bank Loan Against Property

Loan Amount	Syndicate Bank	Jammu And Kashmir Bank
₹ 10 Lakh	₹ 14,060	₹ 15,289
₹ 15 Lakh	₹ 21,089	₹ 22,933
₹ 30 Lakh	₹ 42,179	₹ 45,867
₹ 50 Lakh	₹ 70,298	₹ 76,445

Which is a better bank for Loan Against Property – Jammu And Kashmir Bank or Syndicate Bank?

Syndicate Bank offers lower Loan Against Property EMI at ₹ 1,406 on a Loan Against Property for 10 Years as compared to Jammu And Kashmir Bank with a minimum EMI of ₹ 1,529 for 7 Years. Average customer ratings for Syndicate Bank is currently at /5.0 which makes it a good choice for taking a Loan Against Property.

How does Jammu And Kashmir Bank Loan Against Property compare with Syndicate Bank Loan Against Property?

It is important to do a detailed comparison of Jammu And Kashmir Bank and Loan Against Property on all loan terms and conditions to understand their differences and take an informed decision. Keep in mind that each bank’s scheme has its own 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 Jammu And Kashmir Bank Loan Against Property is 7.40%, which is lower than the lowest interest rate of Syndicate Bank at 11.50% and hence, Jammu And Kashmir Bank is offering a cheaper loan option.
When compared on other Loan Against Property charges such as processing fees, Jammu And Kashmir Bank charges a lower processing fees of 0.20% of the loan amount vs Syndicate Bank with a processing fees of 0.50% of loan amount.
Jammu And Kashmir Bank and Syndicate Bank offer mortgage loan upto 60% of the value of the property. Hence, the same loan to property value ratio makes them a comparable option to choose from.
Jammu And Kashmir Bank is a Private Bank with its Loan Against Property rates benchmarked to RLLR. Syndicate Bank is a Public Sector Bank with its home loan rates benchmarked to RLLR. Hence, both banks are benchmarked to same rate which make them a comparable option to choose from.
has an average customer ratings of , while has an average customer rating of , based on which it is clear that has a high customer service focus, an easy Loan Against Property process and a quick turnaround.

Which bank offers lower interest rate on Loan Against Property – Jammu And Kashmir Bank or Syndicate Bank?

As per the current rates, Jammu And Kashmir Bank offers a lower interest rate of 7.40% on Loan Against Property when compared to Syndicate Bank which offers a Loan Against Property at 11.50%.

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Loan Against Property News - Jun 2021

2021-06-10 : Rural Loan Collections to be affected by the Second wave
As the borrowers are continuously facing the issues created by the pandemic, India Ratings - a rating agency reported that the collections of Rural Loan which includes Home Loan, Loan Against Property, Business Loan, Personal Loan, etc. will be vastly affected because of the second wave of Covid-19.
2021-06-10 : Edelweiss to become co-lending partners with Central Bank of India
Edelweiss Retail Finance Ltd. (ERFL) strengthened its co-lending partnership with the Central Bank of India in order to ensure priority sector lending to the MSMEs. MSMEs can now avail collateral free loans of upto 50 lakhs and Loan against property of upto Rs 10 crores.
2021-06-10 : Central Bank of India to become co-lending partners with Edelweiss
Edelweiss Retail Finance Ltd. (ERFL) strengthened its co-lending partnership with the Central Bank of India in order to ensure priority sector lending to the MSMEs. MSMEs can now avail collateral free loans of upto 50 lakhs and Loan against property of upto Rs 10 crores.
2021-06-09 : Growth of upto 18% expected by IIFL Home Finance on loans
IIFL Home Finance expects a growth on its loan book which includes Home loans and Loan against property of upto 18%.
2021-06-09 : IIFL Home Finance signs MOU with Central bank of India
IIFL Home Finance signed a MOU with Central bank of India for co-lending. The Central bank will be providing 80% of the loan amount of IIFL.

*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More

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