MCLR Vs EBLR| KNOW EVERYTHING BEFORE SWITCH OVER| WHAT EXACTLY ARE THESE RATE?
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- Опубликовано: 9 сен 2024
- Namaskar Friends!
This video is all about rate of interest applied to your home loan. Before availing home loan or before switch over to new rate of interest watch this video completely.
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#EBLR #MCLR #RRLR
Good insights bro. Super helpful!
Unknown fact,,,
Thank u very much. It is very useful.
Thank you.
SBI Spread rate will change or it will be same throughout, home loan- EBLR
Nicely explained, thanks.
I changed my SBI home loan from MCLR to EBLR on 1st March 2021 at 6.95% ROI, presently ROI is 6.7%. When will the new ROI be effected in my loan account? Please comment.
Normally every quarter changes as per the new repo rate. For this quarter the rate is unchanged.
very nice sir. appriciated for your help
You have not mentioned, is RLLR and EBLR are same?? The video title shows the difference btw MCLR and EBLR and in between your comparison in the chart is between MCLR and RLLR.
I tried to explain the concept. Whereas concept of RLLR and EBLR remains same. Right now, SBI is following Repo rate only in EBLR structure which is equivalent to RLLR.
Lastly thank you for pointing out this. It was unintentional, you may think of this as EBLR.
@@BankingHelp alright thanks
Thankyou for this video.
Does bank charge any fees for conversion of ROI in existing MCLR?
I have home loan in MCLR and bank is asking me to pay additional fees to reduce the ROI in same existing MCLR.
Please let me know if bank can charge any cost?
Yes one time fee is there
Very helpful 👍👍
Mere ko Bob walo ne MCLR me switch karne ke 2500 + GST CHARGE KIE HAI sabhi banks lete hai kya
Aur mere bank statement me interest rate 7.6 % hai fir bhi me purani process soch ke gya bank me aur unhone MCLR ka forn chika diya
Sir kya karu jaldi bataye
Switch over fee lete hai sir .
@@BankingHelp sir mera rate of interest already 8.35 se automatic 7.6 ho gaya hai statment me bhi reflect ho gya to MCLR me nhi karvvu ki karva du
Please guide
Bank wale dhang se ans bhi nhi dete
7.6 agar Apka MCLR me Hain,Toh bank me ekbar Puch lijiye EBLR me convert Karne pe Kitna interest hoga?
Agar 7.6 se Kam hoga toh convert Kar lijiye. Agar 7.6 se jyada Hain toh mat kijiye
@@BankingHelp bank wale bolte hai pahele cheque do 2500 + Gst ka uske baad pata chalega ki kitna rate of interest hoga
Lut ne ke bahane chahiye unko
Fir mene pucha ki mere ko konsi wali loan sasti padegi to fir wahi baat cheque do to kuch pata chalega upar se ek baar MCLR me switch karne ke baad kabhi bhi us se bahar nhi nikal sakte
Pehle aap puchiye ki Mera rate of interest Kitna kaam hoga Uske baad hi aap decide karoge ki convert Karna hai ki Nahi.
Uske baad cheque.
Agar main EMI chorke kuch extra money pay karna chahati hoon yo SBI main kaise karu? Online keya payment kar sakta hoon? Aur yo payment keya mera HBL ka Principal loan amt. Se deduct hoga? Please make a video over this.
Jo bhi Extra payment karenge wo apki principal ko ghatayega. Aap online payment Kar sakte Hain.
How bank spread work in mclr nd eblr?
Thanks. It’s clear that EBLR is linked to Repo rate. What about MCLR - Is it not linked or any stipulation by RBI on MCLR rate wrt to Repo ? Is there any chance that EBLR will be more than MCLR any time within an year ??
If Repo rate increases rate will increase.
MCLR rate is now gone, new interest rate structure will be based on EBLR only in case Home loan.
Ideally MCLR rate can never be less than EBLR rate
Sir mere credit score km tha to muje sbi me 8.8 ka interest rate mila ab mera cibil score thik ho gya h to kya automatic mera interest km ho jayega ...jabki mera mclr me h
Automatic nahi hoga...
Hello sir MCLR after one year to one year kam Aur Jada or Jada Aur kam hota hai kya
Please relpy
Yes
Sir, help me to take a decision.
I need an education loan of 17L under premier insti. scheme
SBI - 7.15% (linked with repo rate)
Canara - 6.9% (linked with one year MCLR)
Which one would you suggest?
I feel REPO rate is better than MCLR. but in your case, Canara Bank option is cheaper. We don't know about future. If at all sbi interest comes down you can shift the loan from Canara Bank to sbi.
I will suggest you to check alll other terms and conditions with both banks
Sir SBI apne loan holders ko automatically EBLR pe shift nahi ksrta? Without paying fees?
No, there is no provision like this.
How to know that mera home loan MCLR main hai ya EBLR main hai?
Contact branch
Hi Sir, Any charges need to pay for migration from mclr to eblr?
Yes, the one-time fee is to be paid.
क्या एसा कभी हो सकता हे की mclr, eblr से कम हो जाए???
Most probably nahi ho sakta
Sir, I have taken home loan from Union Bank for 20 years. As per MCLR 7.8% Interest now if I change to EBLR Interest 6.8% some thing. And to pay bank charge for changing to EBLR need to pay 6000/-. Is it benefit for me. Balance loan amount 1109000/- 17 year.
Definately it will be helpful. How many months are pending for repayment?
Balance around 17 years . around 204 months
You must go for switch over then
Change interest rate to Eblr
@@BankingHelp thanks sir..
Toh sir aaj bhi MCLR continued hai kya?
Nahi hain
@@BankingHelp oh accha, thank you sir
Ap samja nhi pa rhe ho..