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Gic Housing Finance — Charging higher interest rate on housing loan

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I have a housing loan with GIC under floating interest. When th interest rate went up they started charging me asper the market interest rate but now when the interest rate has gone down they are still charging me 11% when I spoke to them they said we can reduce it by 1% but for that I need to pay some charges which according to me is unethical.
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    +91 22 2285 3866
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    Royal Insurance Building, 6th floor, 14, Jamshedji Tata Road, Churchgate, Mumbai, Maharashtra, India - 400020
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