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Fixed Home Loan rates: The rate of interest applicable for the Home Loan is fixed throughout the term of repayment of Loan. Floating Home Loan rates: The rate of interest applicable for the Home Loan changes with change in the Bank's Base Rate/ Repo Rate.
The EMI consists of the principal portion of the loan amount and the interest. Therefore, EMI = principal amount + interest paid on the loan. The EMI, usually, remains fixed for the entire tenure of your loan, and it is to be repaid over the tenure of the loan on a monthly basis.
Tractor Loan. Get a loan to buy a tractor if you own at least 3 acres of agricultural land. Rural Savings Account. ... In few schemes, the rate of interest is specified by the Government, while the other schemes are offered at interest rates in keeping with the Bank’s pricing policy.