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Compare Loan Against Property - Yes Bank vs SBI

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Interest Rate
Interest Rate
10.50% - 10.50%
8.80% - 9.30%
Processing Fees
Processing Fees
Upto 1.00%
Upto 1.00%
Max ₹ 50,000
Maximum Loan Amount
Maximum Loan Amount
₹ 5 Cr
₹ 7.50 Cr
Loan to Property Value Ratio
Loan to Property Value Ratio
Upto 70%
Upto 65%
Maximum Tenure
Maximum Tenure
15 Years
15 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 1,105
₹ 1,002
Benchmark Rate
Benchmark Rate
1_year MCLR
Minimum Age
Minimum Age
23 Years
18 Years
Maximum Age
Maximum Age
65 Years
70 Years
Overdraft Facility
Overdraft Facility
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
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Compare EMI of Yes Bank and SBI Loan Against Property

Loan Amount Yes Bank SBI
₹ 10 Lakh ₹ 11,054 ₹ 10,024
₹ 15 Lakh ₹ 16,581 ₹ 15,036
₹ 30 Lakh ₹ 33,162 ₹ 30,072
₹ 50 Lakh ₹ 55,270 ₹ 50,120

Which is a better bank for Loan Against Property – SBI or Yes Bank?

SBI offers lower Loan Against Property EMI at ₹ 1,002 on a Loan Against Property for 15 Years as compared to Yes Bank with a minimum EMI of ₹ 1,105 for 15 Years. Average customer ratings for SBI is currently at 3.5/5.0 which makes it a good choice for taking a Loan Against Property.

How does SBI Loan Against Property compare with Yes Bank Loan Against Property?

It is important to do a detailed comparison of SBI 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 SBI Loan Against Property is 8.80%, which is lower than the lowest interest rate of Yes Bank at 10.50% and hence, SBI is offering a cheaper loan option.
  • When compared on other Loan Against Property charges such as processing fees, all banks SBI, Yes Bank and charge the same amount of processing fees as a 1.00% of the loan amount.
  • SBI offers Loan Against Property upto 70% of the property value while Yes Bank offers mortgage loan upto 65% of property value. Hence, SBI can be a better option if you are looking for a high value amount.
  • SBI is a Public Sector Bank with its Loan Against Property rates benchmarked to RLLR. Yes Bank is a Private Bank with its home loan rates benchmarked to MCLR.
  • Yes Bank has an average customer ratings of 4.5, while SBI has an average customer rating of 3.5, based on which it is clear that Yes Bank 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 – SBI or Yes Bank?

As per the current rates, SBI offers a lower interest rate of 8.80% on Loan Against Property when compared to Yes Bank which offers a Loan Against Property at 10.50%.

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Loan Against Property News - Jun 2021
  • 2021-06-16 : Ujjivan Small Finance Bank collaborates with MoEngage
    Ujjivan Small Finance Bank has collaborated with customer engagement platform MoEngage to provide digital banking services in remote areas of the country. The aim is to build a wide presence of the bank with customers in the unserved regions through digital services.
  • 2021-06-15 : Indian Overseas Bank declared a profit of Rs 831 crore
    IOB closed the last fiscal with a net profit of Rs.831 crore as against a net loss of about Rs.8,527 crore. The total income for the year ended 31.03.2021 stands at Rs.22,525 crore as against Rs.20,766 crore for FY20. IOB plans to come up with Prompt Corrective Action to focus on loan recovery, low-cost deposits and less capital consuming advances.
  • 2021-06-14 : IDFC First Bank’s helping hand for the covid-affected families of employees
    To help the families of employees who lost their lives due to covid, IDFC First Bank is offering compensation of upto 4 times of the CTC along with a salary of two years. Along with that, the bank is also wavering the loans of such employees to reduce the burden on the employees’ family.
  • 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.
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