Comments
I too got cheated by HDFC back exactly the same way. Even after the BASE RATE implementation by RBI, these banks are cheating customers by saying that they are not part of banking sector. Even I I do not understand why RBI excluded housing finance companies from BASE Rate system.
If we want to get the lower interest rate that is been offering to new customers, we need to pay the 0.5%-1.5% of the out standing amount. I really blame RBI and the government as well for allowing the bank such kind o[censored]nmoral practices to cheat the old customers. I'm getting so much angry to kill all these who are cheating the people if given a chance.
Please do not encourage your self to take any loan in HDFC and getting cheated by these and so called customer oriented business CEOs.
If we want to get the lower interest rate that is been offering to new customers, we need to pay the 0.5%-1.5% of the out standing amount. I really blame RBI and the government as well for allowing the bank such kind o[censored]nmoral practices to cheat the old customers. I'm getting so much angry to kill all these who are cheating the people if given a chance.
Please do not encourage your self to take any loan in HDFC and getting cheated by these and so called customer oriented business CEOs.
i too have the same story took an for 13 lacs april 2006 @8.75% now they are charging 12.5% i will just insert their comments after raising this problem
Answer :
Thank you for your revert on interest rate fluctuation. As we exam your account. Your loan is availed under floating rate. The initial rate of the loan is 8.75%. Floating rate is pegged our
Retail Prime Lending rate -RPLR. Any changes in RPLR whether upward /downward will be reflected in the interest rate of the customer periodically. Currently your rate of interest is
12.50%.This rate is arrived as follows RPLR - Spread = Rate of Interest i, e 15.50% - 3% = 12.50%. Please refer our telecon on the same
Please do not change the subject line. Kindly mention your loan account number on all your correspondance with HDFC Ltd. for prompt response.
and now iam being asked to pay 18, 000 to increase my spread to 5% and thereby reduces my interest rate what should i do pl help
Answer :
Thank you for your revert on interest rate fluctuation. As we exam your account. Your loan is availed under floating rate. The initial rate of the loan is 8.75%. Floating rate is pegged our
Retail Prime Lending rate -RPLR. Any changes in RPLR whether upward /downward will be reflected in the interest rate of the customer periodically. Currently your rate of interest is
12.50%.This rate is arrived as follows RPLR - Spread = Rate of Interest i, e 15.50% - 3% = 12.50%. Please refer our telecon on the same
Please do not change the subject line. Kindly mention your loan account number on all your correspondance with HDFC Ltd. for prompt response.
and now iam being asked to pay 18, 000 to increase my spread to 5% and thereby reduces my interest rate what should i do pl help
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I had taken the loan from them since they offered 10.25%, but within 3 months they made it 11.75%, its like FOOLING customers, give them a small % for some time and immediately increase...
Looks like our home loan banks are also being headed by our POLITICIANS !!!