Dear, I am glad today after reading the news item that HDFC bank is planning to charge 3% for pre-paying housing loan - a cowardish move by the brainless execs of this loosing bank. they are rubbing salt on customers' wounds. I would certainly love to view and watch these banks loosing market share heavily to PSU banks like canara, sbi or obc. :)these banks are traveling the same path as other MNCs did - Citibank is an example. do you want to pay for the lip-stick the nice looking girl at these private banks? No. The friendly PSU bank official is 100% better than these gimmick lovers. HATE YOU PRIVATE BANKS!!! YOU'LL NOT ENJOY THE HIGH-HANDEDNESS FOR LONG. YOUR END IS TOO CLOSE, TOO SOON :(