What are the key benefits of SBI Credit Cards?

SBI Credit Cards offer a wide range of benefits, including rewards, cashback, lounge access, discounts, and insurance coverage.

How can I apply for an SBI Credit Card?

You can apply for an SBI Credit Card online through the Paisabazaar platform, where you can compare card options and check for pre-approved offers.

What factors should I consider when choosing an SBI Credit Card?

Consider your spending habits, lifestyle, and financial goals to select a card that best suits your needs, such as travel, shopping, or rewards.

How can I manage my SBI Credit Card efficiently?

SBI Card offers a user-friendly mobile app and online banking services to help you manage your card, check statements, make payments, and access additional features.

What precautions should I take to avoid accumulating credit card debt?

Responsible credit card usage includes paying bills on time, managing credit limits wisely, and avoiding unnecessary spending to prevent debt accumulation.

Top Kerala Home Loans – Best Interest Rates & Lenders

Home Loan Options in Kerala: Get the Best Deals from Top Banks and Financial Institutions

If you're looking to buy your dream home in Kerala, you'll be glad to know that there are numerous options for home loans available from top banks and financial institutions. Some of the popular lenders include HDFC, SBI, PNB Housing Finance, IIFL, Aadhar Housing Finance, and Indiabulls Housing Finance. The interest rates for these home loans start from 8.50%, while the processing fees are relatively low, starting from 0.25% + GST.

Interested in getting a home loan? Here's a comparison of the interest rates offered by various banks and housing finance companies in Kerala:

- SBI: 10% - 11.55%

- HDFC: 9.50% - 11.00%

- LIC Housing Finance: 9.70% - 11.55%

- ICICI Bank: 10.85% - 12.50%

- Kotak Mahindra Bank: 9.15% - 10.50%

- Punjab National Bank: 9.25% - 12.45%

- Bank of Baroda: 10.85% - 16.50%

- Union Bank of India: 10.55% - 12.85%

- IDFC First Bank: 9.00% - 20.00%

- L&T Housing Finance: 9.60%

- Bajaj Housing Finance: 9% - 14%

- Godrej Housing Finance: 8.39% -10.99%

- Tata Capital: 10.10%

- Federal Bank: 12.60%

Additionally, you can also find the best loan against property interest rates online.

To help you make an informed decision, we have also compiled a list of the best home loan options in Kerala provided by different lenders:

1. PNB Housing Finance Limited: PNB HFL offers home loans starting from Rs 8 lakh onwards with a processing time of around 10 days. The minimum interest rate for salaried and self-employed professionals with a CIBIL score of more than 800 is 8.50%.

2. HDFC: HDFC offers home loans under different slabs based on the required loan amount. They also provide special interest rates for women applicants, providing great benefits if one co-applicant of the home loan is a woman.

3. LIC Housing Finance Limited: LIC Housing Finance offers seven different types of home loans in Kerala. The interest rates start from 8.35% - 10.50% for individuals with a CIBIL score of more than 800 who are salaried.

4. Bajaj Housing Finance: Bajaj Housing Finance offers attractive home loan interest rates starting from 8.50% - 15.00% for salaried and professional individuals. They provide quick processing and approval with minimal documentation.

5. Aadhar Housing Finance: Aadhar Housing Finance offers 13 types of home-related loans in Kerala with competitive interest rates.

These are just a few options among the numerous lenders available in Kerala. It is advisable to compare the interest rates, processing fees, and other terms and conditions before finalizing your home loan.

In addition to home loans, various types of mortgage loans are also available in Kerala. These include loan against property, home improvement loans, home extension loans, land purchase loans, house construction loans, and more.

To be eligible for a home loan in Kerala, you need to fulfill certain criteria such as Indian nationality, age between 21 and 70 years, at least 3 years of work experience for salaried and self-employed individuals, and a CIBIL score of 750 and above.

The documents required for a home loan in Kerala include proof of identity, proof of address, proof of income, bank statements, and property-related documents.

Whether you're a government employee or a non-government employee, various banks and NBFCs provide home loan options tailored to your specific needs.

With the help of these home loan options, you can make your dream of owning a home in Kerala a reality.