Easy India Loans

India’s second largest bank with about 614 branches and extension counters, ICICI bank offers a wide range of services ranging from investment banking, life and non life insurance, venture capital and asset management .ICICI offers a variety of loans which are suited to match different requirements.
 

Home Loans
These loans are offered at attractive rates of interest with amounts starting from 2 lakhs with a tenure pt 20 years. The other benefits offered are free personal accident insurance, insurance options for one’s home at an attractive premium and special 100% funding for select properties. The bank also gives the option of selecting a loan that would suit one’s needs the most. So one could choose from an adjustable rate home loan, fixed rate home loan, part fixed floating rate home loan, smart fix home loan, money saver home loan as well as balance transfer of one’s existing home loan from other banks.   ICICI also disburses land loans, office premises loans, home improvement loans, and home loans for NRI’s. It is also possible to leverage one’s existing property and get a loan against property, property overdraft or lease rental discounting and all of these are available on an adjustable rate or a fixed rate.

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The public sector State Bank of India is India’s largest commercial bank with a network of 9,000 branches offering range of banking services such as
· Personal Banking
· Gold Banking
· NRI Banking
· International Banking
· Corporate Banking
· Small Scale Industries
· Small Business Finance
· Rural Banking
· Government Business
· Home Loans

SBI Bank India has 52 Foreign Offices in 34 countries.In the  mid-’90s when SBI was facing stiff competition from whole lot of private sector banks, the assistance of McKinsey & Co was sought to help in its restructuring. Today SBI  has again approached Mckinsey for another round of restructuring as aggressive foreign banks who have the advantage of superior technology like ICICI Bank and HDFC Bank are eating into SBI’s market share of interest and fee-based income.

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There are a large number of banks and financial institutions, which provide for easy and effort free loans. However most times people fail to see the exorbitant interest rates that these loan sharks charge you. As a result if you were even a little complacent with your bill payments you would end up falling into a debt trap. There would be many people around like me who would have taken a loan from by seeing the glossy adds that pop up every where you lay your eyes on and than would have easily fallen into debt traps of these loan sharks.

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