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How to Get Home Loan @ 10% in High Interest Rate Regime?

All of us want to lock in with home loan at the cheapest possible rate and here we will tell you that how you can get home loan @ 10% when rate of interest is high.

HSBC Home Loan Rates

We got an invite from HSBC to transfer our home loan to their bank and we will get the rate of interest @10%. The below screenshot shows the correct picture.

The terms and conditions are as enumerated below and be read as per guidelines given in the screenshot.

1. 10% Rates applicable for Salaried persons only. For Self Employed persons, Home Loans are provided at 10.15% and Smart Home at 10.35% p.a.

2. With effect from 1 July 2010, the interest on your floating rate loan is linked to HSBC’s Base Rate. Any revision in the Base Rate would impact your floating interest rate loan. The Base Rate is 9.70% p.a. effective from 1 September 2014. For further details on the Base Rate and its impact on your floating rate loan, please refer to the FAQs on Mortgages on www.hsbc(dot)co(dot)in. All loans are subject to terms and conditions and are at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India.

Loans available for applicants and properties in and around the city limits of Ahmedabad, Bengaluru, Chandigarh, Chennai, Hyderabad, Jaipur, Mumbai, New Delhi (NCR) and Pune are subject to change from time to time.

3. Top-up upto 100% of the transferred loan value will be at 0.25% premium. Top up more than 100% will attract 0.75% premium.

Lastly they are also offering loan against property @ 11.25% PA.


The deal is good if one can get home loan @10% but remember to check the loan charges for shifting from one lender to other or prepayment penalty etc. Bookmark us or subscribe for our free email updates for Indian Share Tips which will help you make or save money in one way or the other.

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