u/Accomplished_Yam_447

Hi, this is your home loan advisor from Credwise, back again with another important update for under-construction property buyers.

For Bangalore location

If you're stuck paying high interest on an under-construction property loan with an NBFC or private bank at 8% or more — and possession is still 3-4 years away — there's now a way out.

Balance transfer on under-construction property is now possible

Certain government banks are accepting home loan balance transfers even while the property is still under construction, subject to the current market value of the property meeting their criteria.

How it works:

• If the project is pre-approved by the bank → the balance transfer process is much simpler and faster.

• If the project is not pre-approved → the bank will need to do a separate legal and technical evaluation of the property before approving the transfer.

Why this matters:

• Home loan interest rates have dropped to around 7% with some banks (mostly government banks).

• If you're currently paying a much higher rate with an NBFC or private lender, moving your loan could save you ₹6-7 lakhs a year, depending on your loan amount and rate difference.

If you're in this situation — high interest, possession still years away — it's worth checking if your project qualifies for a balance transfer with a government bank.

Home Loan rate starts at 7% at public sector banks.

Project list approved by Central Bank of India:

✅ Prestige Park Grove

✅ Prestige Serenity Shores

✅ Prestige Meridian Phase

✅ Godrej woods

✅ Godrej MSR city

✅ Sobha neopolis

✅ Birla Ojasvi

✅ Purva Blubelle

✅ DS Max Sthavam

✅ DS Max Sky Shobham

✅ Lakeside-24

✅ Cloud Forest(Alembic city)

✅ District 25 Phase 1 & Phase 2 etc

---

This is indeed a great step by banks to takeover the underconstruction property home loan as it will give great relief to major home buyers who are stuck paying high rate of interest.

https://preview.redd.it/p1z0ch8c0pjh1.png?width=941&format=png&auto=webp&s=d5b8f8432d841ddc2461da0751d1602cb02c68e5

Hello

Buying your first home? Choosing the right bank matters just as much as choosing the right property.

We at Credwise help you pick the bank that fits **your profile** — so you get the loan amount you actually need, a better rate of interest, and more flexible terms. Whether it's a ₹60 lakh property or a ₹5 Cr property, every purchase is different, and so are the terms that work best for you.

**Here's what we help with:**

- Home loans for first-time buyers — ready to move or under construction

- Balance transfer cases (move to a lower interest rate)

- Commercial property purchase loans

- Loan against property (LAP)

- Refinance — already bought the property from your own pocket? We can help you get a loan against it now.

No question is too small. Drop your queries below — happy to help. 🙌

+91 9667992644

Www.credwisefinserv.com

Hi, this is your home loan advisor from Credwise, back again with another important update for under-construction property buyers.

For Bangalore location

If you're stuck paying high interest on an under-construction property loan with an NBFC or private bank at 8% or more — and possession is still 3-4 years away — there's now a way out.

Balance transfer on under-construction property is now possible

Certain government banks are accepting home loan balance transfers even while the property is still under construction, subject to the *current market value* of the property meeting their criteria.

How it works:

• **If the project is pre-approved** by the bank → the balance transfer process is much simpler and faster.

- **If the project is not pre-approved** → the bank will need to do a separate legal and technical evaluation of the property before approving the transfer.

Why this matters:

- Home loan interest rates have dropped to around 7% with some banks (mostly government banks).

- If you're currently paying a much higher rate with an NBFC or private lender, moving your loan could save you **₹6-7 lakhs a year**, depending on your loan amount and rate difference.

If you're in this situation — high interest, possession still years away — it's worth checking if your project qualifies for a balance transfer with a government bank.

Home Loan rate starts at 7% at public sector banks.

Project list :

✅ Prestige Park Grove

✅ Prestige Serenity Shores

✅ Prestige Meridian Phase

✅ Godrej woods

✅ Godrej MSR city

✅ Sobha neopolis

✅ Birla Ojasvi

✅ Purva Blubelle

✅ DS Max Sthavam

✅ DS Max Sky Shobham

✅ Lakeside-24

✅ Cloud Forest(Alembic city)

✅ District 25 Phase 1 & Phase 2 etc

DM +919667992644

www.credwisefinserv.com

Most people treat a home loan as "money to buy one house." If you're an NRI or HNI who transacts in property regularly, an OD-linked home loan is a tool you should know about.

How it works

An OD home loan gives you a sanctioned limit (₹3-4 Cr+, based on income/asset profile) linked to your loan — functioning like a current account with a loan attached.

✅ Flexibility of an overdraft, not just a fixed EMI schedule

✅ Parked surplus reduces interest instantly

✅ Withdraw anytime, for any purpose — not just the property it's sanctioned against

✅ You only pay interest on what you actually use, not the full sanctioned amount

Why NRIs specifically benefit

Cross-border documentation, gpa checks, repeated KYC — NRIs know how painful repeated loan applications can be.

Once an OD limit is sanctioned, you're not restarting that entire process every time you want to deploy capital into a new opportunity in India.

Also, you save on modt charges if it is applicable in your state.

Why HNIs and repeat investors benefit

If you buy property periodically — for portfolio building, family, or investment — you don't need fresh underwriting every single time.

One sanctioned OD limit becomes standing, ready capital you can use for:

✅ Down payment on your next purchase

✅ Bridge finance while an existing sale is in process

✅ Business or investment deployment

✅ Any large opportunity that needs quick capital, without a fresh mortgage cycle

Essentially, it converts your existing high-value asset into a standing credit line at home-loan interest rates — cheaper than personal loans, business loans, or unsecured credit.

Who this is actually built for

✅ HNIs and high-income individuals with strong repayment capacity

✅ NRIs managing multiple assets/investments in India

✅ Regular property investors who transact often

✅ Anyone who values liquidity over a rigid "set it and forget it" EMI

The trade-off

OD home loans typically run 0.10–0.25% higher than a standard home loan, and not every bank offers or explains this well.

If you transact in property often and value liquidity, that marginal rate difference is easily outweighed by the flexibility.

Happy to answer specifics in the comments if anyone's evaluating this for their situation.

DM to know more

+91 9667992644

Www.credwisefinserv.com

A lot of people think: "If I park my entire sanctioned OD limit, my EMI becomes zero."

That's not how it works. Here's the clarity, straight from a banker (Bank of India, Hyderabad):

The Question:

If I have a ₹70L OD limit and I park the entire ₹70L in it, will I still be charged EMI?

The Answer:

Yes — your regular EMI still has to be paid as usual.

What changes is this: on the ₹70L parked in your OD account, no interest is charged, since your outstanding loan balance is effectively reduced by that parked amount.

So where does the benefit come in?

Whatever you pay over and above your regular EMI — that surplus becomes part of your OD balance, and interest stops accruing on that portion too.

In simple terms:

OD doesn't cancel your EMI.

OD reduces the interest you pay on the amount parked.

Your EMI still needs to be serviced regularly — parking funds isn't a substitute for it.

The real power of OD shows up when you park extra money beyond your EMI — that's when you save meaningfully on interest, while still keeping liquidity to withdraw anytime.

---

This is exactly the kind of thing that sounds simple on paper but trips people up in practice — which is why we always recommend understanding the actual cash flow mechanics before assuming how a product behaves.

This is exactly why CredWise was built — to help you actually understand how different home loan products work, instead of just signing on the dotted line.

Don't blindly trust a bank just because of its brand name. Think about what's best for you — your requirements, your cash flow, your future plans — and then decide. A home loan isn't a one-month EMI decision. It's a 20-year commitment.

The right bank with the right offer can save you ₹4-5 lakh over your loan tenure — that's practically a discount on your next property purchase.

Team Credwise

+91 9667992644

www.credwisefinserv.com

Hey. Your home loan advisor from CredWise is back with another update on Home Loan across all the banks. Below are the rates available across the banks we work with.

Today, we are looking at best offers, available in August-2026 with major Indian banks.

1. Bank of Maharashtra - Upto 90% Funding(Under-Construction & Resale)- Roi 7.0% ownwards. OD facility is available.

2. Central Bank of India: 75% funding (Under-Construction + Resale) + Renovation amount 15% extra: 7.0 % ownwards

3. Canara Bank: 75% funding (Under-Construction + Resale) + 15% more as renovation : 7.15% ownwards

4. Bank Of India: upto 90% funding (Under-Construction + Resale) : 7.10% ownwards. OD available but active after handover

5. Bank Of Baroda: Upto 80% funding : 7.20% ownwards. Good roi discount for homebuyers. OD facility available from Day 1.

6. HDFC Bank: 85%-88%% loan on property value (Under-Construction +Resale) :7.15% onwards subject to insurance and approval.

7. ICICI Bank : 80% funding (Under-Construction +, Resale) : 7.30% ownwards. Rate is subject to approval with insurance. OD facility available for underconstruction

8. HSBC bank: 75% funding (Select listed Underconstruction +Resale). Good offers available for transactions above 3CR. Very good for NRIs and HNIs. Other borrower benefits. Dedicated team to Handle transactions above 15cr.

9. Federal Bank: 7.35% ownwards for both underconstruction and resale cases. Good for applicants with lower cibil

Note: We have currently ongoing processing fees offers waived on multiple banks. However, legal+valuation charges may apply if project is unapproved by bank. Apart from this, other discount for igbc, woman co borrower may apply to above your normal home loan rates. For Loan amount above 2cr, we can help you with lower roi irrespective of your cibil/settlement in past.

These are some of the leading top government and private banks with their current offerings. Each bank has its own unique offers and conditions.

With right guidance, you can qualify for lowest offers as per your profile and find a home loan product that suits you.

Share With A Friend Who Is Home Hunting In Bangalore!!

Hey. Your home loan advisor from CredWise is back with another update on Home Loan across all the banks. Below are the rates available across the banks we work with.

Today, we are looking at best offers, available in August-2026 with major Indian banks.

1. Bank of Maharashtra - Upto 90% Funding(Under-Construction & Resale)- Roi 7.0% ownwards. OD facility is available.

2. Central Bank of India: 75% funding (Under-Construction + Resale) + Renovation amount 15% extra: 7.0 % ownwards

3. Canara Bank: 75% funding (Under-Construction + Resale) + 15% more as renovation : 7.15% ownwards

4. Bank Of India : upto 90% funding (Under-Construction + Resale) : 7.10% ownwards. OD available but active after handover

5. Bank Of Baroda: Upto 80% funding : 7.20% ownwards. Good roi discount for homebuyers. OD facility available from Day 1.

6. HDFC Bank: 85%-88%% loan on property value (Under-Construction +Resale) :7.15% onwards subject to insurance and approval.

7. ICICI Bank : 80% funding (Under-Construction +, Resale) : 7.30% ownwards. Rate is subject to approval with insurance. OD facility available for underconstruction

8. HSBC bank: 75% funding (Select listed Underconstruction +Resale). Good offers available for transactions above 3CR. Very good for NRIs and HNIs. Other borrower benefits. Dedicated team to Handle transactions above 15cr.

9. Federal Bank: 7.35% ownwards for both underconstruction and resale cases. Good for applicants with lower cibil

Note: We have currently ongoing processing fees offers waived on multiple banks. However, legal+valuation charges may apply if project is unapproved by bank. Apart from this, other discount for igbc, woman co borrower may apply to above your normal home loan rates. For Loan amount above 2cr, we can help you with lower roi irrespective of your cibil/settlement in past.

These are some of the leading top government and private banks with their current offerings. Each bank has its own unique offers and conditions.

With right guidance, you can qualify for lowest offers as per your profile and find a home loan product that suits you.

Share With A Friend Who Is Home Hunting In Bangalore!!

Hi all

Your Home Loan Advisor at Credwise is back with another update on the latest Home loan rate offer currently.

After Bank of Maharashtra now, Central Bank of India has dropped their home loan rate to 7%. This home loan offer comes with following advantages:

✅ Interest rates starting from 7.00% ownwards

✅ Exclusive interest rate benefits for women borrowers

✅ Flexible repayment options built around your financial comfort

✅ Quick processing with minimal documentation

✅ NIL processing charges till 31/12/2026

This comes with following added advantage :

✅ Zero Prepayment charges | No capping on minimum amount and unlimited time

✅ Zero Foreclosure charges

✅ Online Prepayment facility

Drop your comments if you need any help

Regards

Team Credwise

+91 9667992644

Www.credwisefinserv.com

Hi all

Your Home Loan Advisor at Credwise is back with another update on the latest Home loan rate offer currently.

After Bank of Maharashtra now, Central Bank of India has dropped their home loan rate to 7%. This home loan offer comes with following advantages:

✅ Interest rates starting from 7.00% ownwards

✅ Exclusive interest rate benefits for women borrowers

✅ Flexible repayment options built around your financial comfort

✅ Quick processing with minimal documentation

✅ NIL processing charges till 31/12/2026

This comes with following added advantage :

✅ Zero Prepayment charges | No capping on minimum amount and unlimited time

✅ Zero Foreclosure charges

✅ Online Prepayment facility

Drop your comments if you need any help

Regards Team Credwise

https://preview.redd.it/2b59z0h464ih1.jpg?width=1080&format=pjpg&auto=webp&s=3e40b9f1cb62ff3b2d1d0f0d4180b833149740cf

Hi all!

CredWise is back with our Q&A series on home loans—your free advisory to decode if your current offer is best beyond just ROI.

You can ask anything related to (rate, bank/NBFC, CIBIL, loan amount, tenure, fees, prepayment terms), and we will assess honestly. You can dm us too for 1:1 consultation.

Each home buyer requirement is different and we understand it. This is why we provide a very cusomized advisory depending on your requirements.

Some pointers to note:

✅ NBFCs often lure with quick approvals but watch for hidden charges.

✅ From Jan 2026, RBI bans prepayment penalties on floating-rate home loans from all banks/NBFCs—no more traps!

✅ Had LOTS of interactions with people here. I see the same mistakes repeatedly. People accepting the builder suggested bank offer they get.

✅ Paying LAKHS in unnecessary interest without knowing that they could have got better offer. Getting locked into prepayment penalties they don't understand.

✅ CRE rate or home loan rates for higher ticket purchase

✅ **NRI/HNI: Bulk purchase : Home Loan for Multiple units or commercial purchase**

✅ Home Loan rates start at 7.10%

This thread is about giving you the tools to make better decisions.

SHARE WITH A FRIEND WHO IS HOME HUNTING!!

**Check our new website : www.credwisefinserv.com\*\*

+91 9667992644

Exciting News! We're now empanelled with HSBC Bank for Home Loans & Loan Against Property!

We're thrilled to announce our expanded partnership with HSBC Bank, now offering Home Loan and Loan Against Property (LAP) solutions across:

📍 Bangalore

📍 Delhi NCR

📍 Hyderabad

📍 Pune–Mumbai

---

🏠 Home Loans — Highlights

Switch to HSBC

Save more on EMIs or reduce your loan tenure by transferring your Home Loan to HSBC.

✅ Interest rates starting at 7.20% (floating rate loans)

✅ Reimbursement of franking fee on loan documentation up to 0.30% of loan amount

✅ Top-up of up to 50% at the same rate

• Smart Home Drop-line Overdraft (Smart Home DLOD): Starting at 7.65%

---

🏢 Loan Against Property — Highlights

✅ Loan amount up to ₹45 Cr

✅ Tenure of up to 15 years

✅ Simple documentation

✅ Applicable for both Home Loan and Commercial Property

Interest Rates:

• Floating rates from 8.20% p.a.

• Semi-Fixed from 8.50% p.a. (3-year fixed, followed by prevailing floating rate² for remaining tenure) — Salaried + Self-employed

• Semi-Fixed from 9.50% p.a. (5-year fixed, followed by prevailing floating rate² for remaining tenure) — Salaried + Self-employed

---

Why choose HSBC through us?

✅ Competitive interest rates

✅ Higher loan eligibility

✅ Quick processing & minimal documentation

✅ Doorstep service across all these cities

✅ Expert guidance from application to disbursement

📞 Get in touch today for a free consultation and find out how much you're eligible for!

+91 9667992644

www.credwisefinserv.com

#HomeLoan #LoanAgainstProperty #BalanceTransfer #HSBC #Bangalore #DelhiNCR #Hyderabad #Pune #Mumbai #RealEstate #FinancialServices

Your Home Loan advisor from Credwise is back with another latest update on Home Loans

**Home loan rates in India is revised to 7% from tomorrow (Aug 1) — govt banks revising first**

We're likely heading into a falling rate cycle for home loans in India. Starting tomorrow, August 1st, several government banks are expected to revise their home loan rates — and some could go as low as 7%.

Here's the pattern worth knowing: government/PSU banks are typically the first movers when rates start dropping, ahead of private banks and NBFCs.

**Bank of Maharashtra : 7.0% for 800+ cibil**

If you have a CIBIL score of 800+ and are currently paying a higher home loan rate, this is a good time to check what govt banks are offering.

A strong credit score puts you in the best pricing bracket, and you could end up saving meaningfully on interest over the loan tenure — either by refinancing or negotiating a rate revision with your current bank.

Will update this thread as more banks confirm their revised rates. If you're planning to buy or already have a home loan, keep an eye on this over the next few days.

www.credwisefinserv.com

+91 9667992644

Home Loans | LAP | Balance Transfer

Your Home Loan advisor from Credwise is back with another latest update on Home Loans

Home loan rates in India is revised to 7% from tomorrow (Aug 1) — govt banks revising first

We're likely heading into a falling rate cycle for home loans in India. Starting tomorrow, August 1st, several government banks are expected to revise their home loan rates — and some could go as low as 7%.

Here's the pattern worth knowing: government/PSU banks are typically the first movers when rates start dropping, ahead of private banks and NBFCs.

Our partner bank offer :

Bank of Maharashtra : 7.0% for 800+ cibil

If you have a CIBIL score of 800+ and are currently paying a higher home loan rate, this is a good time to check what govt banks are offering.

A strong credit score puts you in the best pricing bracket, and you could end up saving meaningfully on interest over the loan tenure — either by refinancing or negotiating a rate revision with your current bank.

Will update this thread as more banks confirm their revised rates. If you're planning to buy or already have a home loan, keep an eye on this over the next few days.

Home Loans | LAP | Balance Transfer

Your Home Loan Advisor from Credwise is back with another practical home loan topic.

Can you unlock extra cash from your property if its value has gone up?

Yes, this is definitely possible in India to take cash from your house if it has appreciated — it's just structured a bit differently than the US-style cash-out refinance. Here's how it works:

---

Top-Up Loan (most common route)

If your property's market value has gone up since you took the loan, you can approach your existing bank for a top-up loan — additional funds sanctioned over and above your outstanding home loan balance, secured against the same property.

Banks typically allow you to borrow up to 70-90% of the current market value of the property (minus your outstanding loan), depending on the lender and your credit profile.

Interest rates on top-up loans are usually slightly higher than your regular home loan rate (often 0.25%–0.5% more), but still much cheaper than a personal loan.

No end-use restriction in most cases — funds can be used for renovation, business, other investments, etc. (though for tax deduction purposes, how you use it does matter — see below).

Processing is faster since the bank already has your property and income documents.

---

Balance Transfer + Top-Up (the smarter move if your current rate is high)

This is where a lot of people leave money on the table. If your existing bank is charging you a higher rate than the market (which happens often — especially with older loans), you have the option to:

Transfer your outstanding loan to another bank offering a lower rate — currently competitive home loan rates in India are in the ~7.5%–8.5% range (varies by lender, loan size, and your credit score/CIBIL).

Simultaneously avail a top-up on the new, higher property valuation, at the new bank.

This does involve balance transfer charges — processing fees, valuation fees, sometimes legal/documentation charges (typically 0.5%–1% of loan amount, though some banks waive this to win your business). But over a 10-15 year remaining tenure, even a 0.5%-1% rate reduction can save you a substantial amount — often far more than the one-time transfer cost.

---

A few things worth keeping in mind:

Always negotiate — banks have flexibility on processing fees and sometimes even rates, especially if you have a good repayment track record and CIBIL score above 750. Don't accept the first offer; shop around with 2-3 lenders.

Get a fresh property valuation done — this determines how much top-up you're eligible for. Banks usually arrange this themselves.

Fyi: Home Loan Rate starts @7.10%

Drop your comments below.

Assignment cases show up in under-construction or resale properties where the current seller never registered the unit — full payment may be done, or some may still be pending, depending on construction stage.

Here's the part 9 out of 10 buyers miss: there are two prices in play.

Original price — what the first buyer paid the builder

Current price — what you're actually paying now

Major builders (Prestige, Sobha, Brigade, etc.) often register at the original/old price, not the latest transaction value. Because of this, most government/PSU banks won't touch assignment deed cases at all.

Why it matters: Home Loan eligibility is based on the sale deed value.

Old price ₹1 Cr → 85% funding → loan ≈ ₹85 L

Current market value ₹1.5 Cr → but bank still sanctions on ₹1 Cr.

That gap is what makes buyers walk away. It doesn't have to.

---

At CredWise, we deal your Home Loan as per following two scenarios:

Scenario 1 — Sale deed reflects current value

Almost all major banks fund this without issue — up to 90% based on market value.

Scenario 2 — Sale deed at old price

Private banks can fund 80–85% on the MOU/sale agreement price, plus interiors financed separately.

We also structure large-ticket cases with OD-linked home loan accounts for added flexibility.

---

Know your assignment case scenario before you finalize your budget — it changes your loan amount significantly.

DM if any help is needed.

+91 9667992644

Www.credwisefinserv.com

Yes, this is definitely possible in India to take cash from your house if it has appreciated — it's just structured a bit differently than the US-style cash-out refinance. Here's how it works:

---

Top-Up Loan (most common route)

If your property's market value has gone up since you took the loan, you can approach your existing lender for a top-up loan — additional funds sanctioned over and above your outstanding home loan balance, secured against the same property.

Banks typically allow you to borrow up to 70-90% of the current market value of the property (minus your outstanding loan), depending on the lender and your credit profile.

Interest rates on top-up loans are usually slightly higher than your regular home loan rate (often 0.25%–1% more), but still much cheaper than a personal loan.

No end-use restriction in most cases — funds can be used for renovation, business, other investments, etc. (though for tax deduction purposes, how you use it does matter — see below).

Processing is faster since the bank already has your property and income documents.

---

Balance Transfer + Top-Up (the smarter move if your current rate is high)

This is where a lot of people leave money on the table. If your existing lender is charging you a higher rate than the market (which happens often — especially with older loans), you have the option to:

Transfer your outstanding loan to another bank offering a lower rate — currently competitive home loan rates in India are in the ~7.5%–8.5% range (varies by lender, loan size, and your credit score/CIBIL).

Simultaneously avail a top-up on the new, higher property valuation, at the new bank.

This does involve balance transfer charges — processing fees, valuation fees, sometimes legal/documentation charges (typically 0.5%–1% of loan amount, though some banks waive this to win your business). But over a 10-15 year remaining tenure, even a 0.5%-1% rate reduction can save you a substantial amount — often far more than the one-time transfer cost.

---

A few things worth keeping in mind:

Always negotiate — banks have flexibility on processing fees and sometimes even rates, especially if you have a good repayment track record and CIBIL score above 750. Don't accept the first offer; shop around with 2-3 lenders.

Get a fresh property valuation done — this determines how much top-up you're eligible for. Banks usually arrange this themselves.

---

This is exactly why Credwise was built — to help homeowners get better rates and stronger offers on their home loans, without paying unnecessary extra charges.

We work with 50+ banks for Home Loan and LAP offers.

+91 9667992644

Www.credwisefinserv.com

---

Hey everyone,

I am Seeing a lot of questions about assignment deeds, especially when buying under-construction properties. Here's what you need to know.

What is an Assignment Deed?

An assignment deed transfers ownership rights from one party to another. It's most commonly used for under-construction properties where the builder hasn't issued a sale deed yet.

This type of transaction is done on a tri-party assignment deed involving:

• Original buyer (assignor)

• You (assignee)

• The builder

This protects everyone and ensures the builder officially recognizes the transfer. This is a genuine practice followed by all builders like Brigade, Sobha, Prestige etc.

Two Common Scenarios

Scenario 1: Buying Without Home Loan

• Execute tri-party assignment deed with original buyer and builder

• Builder updates records showing you as new buyer

• Pay stamp duty (% depending on state) and register the deed

• Keep all payment receipts

Scenario 2: Buying With Home Loan (When Seller Also Has Loan)

This is more complex but doable:

• Your bank coordinates with seller's bank to close their loan.

• Assignment deed details both loan arrangements.

• Your bank becomes the new mortgagee

• Requires: builder's NOC, seller's loan outstanding certificate, encumbrance certificate, all original documents.

Things to keep in mind

Home Loan on underconstruction property can be bit tricky as mostly banks sanction loan based on old price at which first buyer bought the unit from builder. Your current price is generally not accepted by bank as it is not mentioned on sale Deed.

Builder sold the unit @2cr which will be the sale Deed value

You buy the unit at 3cr which is mentioned on MoU or sale agreement. Home Loan can be calculated in this value.

---

We at Credwise have been working on lot of Underconstruction resale property for Home Loan through both government and private banks. If you are confused or unable to figure out right bank, we can help your from start to finish. We have our own bankers at all major government and private banks that can help you with right information whenever you require.

Bank options: Both government banks and Private banks(Roi starts @7.10%) are available for buyers.

TAG A FRIEND WHO IS HOUSE HUNTING!!

www.credwisefinserv.com

+91 9667992644

We keep hearing the same story from people doing high-value residential or commercial transactions: despite the ticket size, banks quote them the same generic rate as any other borrower — with no room offered at branch level.

---

A few things worth knowing if you're in this position:

Home loan rates are negotiable — especially on high transaction values. What you're quoted at your local branch is very rarely the best the bank can actually offer.

✅ CRE (Commercial Real Estate) rate on a third house purchase is a common pain point — many buyers get pushed onto CRE-linked pricing that shouldn't necessarily apply to them. This is negotiable in the right cases, depending on your profile and the property structure. Currently, we are doing a CRE case for a senior IT professional in a resale case where we were able to get 0.5% waiver for a 2cr+ purchase. in government bank

✅ Overdraft (OD) facility markups— banks often charge a premium over the standard home loan rate for OD-linked loans. This spread can also be brought down with the right approach.

Rate concessions ultimately come down to two things: transaction value and customer profile. Getting them usually means going beyond the branch — to sanction authority who actually have discretion on rate approval.

---

We work with all major banks and have strong connects at the head-office level in Bangalore, which lets us negotiate sharper home loan terms than what's typically offered at branch level — for both residential and commercial high-value transactions.

---

If you're navigating a similar situation — large ticket size, CRE rate, HNI transaction you don't think should apply, or an OD facility with a rate you want to push back on — feel free to DM and we can take a look at your specific case.

www.credwisefinserv.com

+91 9667992644