Sunday, February 28, 2010

State Bank of India Education Loans

State Bank of India offers education loans for the students who are willing to pursue their higher studies in India and abroad. Being the largest Bank, State Bank of India provides education Loans at very attractive interest rates to the students.

There are plenty of courses considered eligible for State Bank of India education loans and the banks also offers easy repayment options to make the loan scheme more attractive.

Education loan of State Bank of India is sanctioned to those candidates, who are Indian Nationals. Students can apply the student loan if they get admission to a professional or technical program through selection procedure or entrance test. The education laon applicant will also be considered eligible even if he/she gets admission to a foreign institute.

The maximum amount of education loan offered by State Bank of India for studies in India is Rs.10 lacs and for studies abroad it is Rs. 20 lacs. One can go to the nearest State Bank of India branch office to apply the loan or can apply the education loan at State Bank of India's official website.

This is a Guest post from educational--loans.blogspot.com

Monday, February 15, 2010

State Bank of India Home loan

State Bank of India provides home loan to its borrowers for constructing a new home, buying a ready made house or flat, purchasing a plot for constructing a house, refinancing the existing home loans borrowed by the customer from other banks or finance companies. Some of the benefits provided by State Bank of India in home loan have been listed below -
  • The EMI for housing loan is charged on the reducing balance on a daily basis.
  • The home loan application procedure is simple.
  • State Bank of India provides both technical and legal assistance.
  • The interest rate of SBI home loan is quite flexible.
  • State Bank of India also offers customer service at doorstep.
State Bank of India Home loan provides loans up to 90% of the project cost to its borrowers on the basis of the individual's age, income range, residential status, financial stability and collaterals produced against the housing loan.

Residents are liable to pay off the State Bank of India Home loan within 25 years whereas the non-residents are allowed a maximum period of 15 years for repayment of the home loan.

State Bank of India does not facilitate any loan for properties which include legal disputations nor does it accept such property as security mortgage. State Bank of India also considers age, income range, financial stability and the number of dependents of the borrower while sanctioning the loan.

State Bank of India offers home loans at both fixed and floating rates of interest. State Bank of India offering home loans to self-employed individuals or business persons or even individuals who are running a business of at least 5 years.

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