I have taken a Home loan from ING in 2007 @ 11.25% and believe me it has never come down from there till date though there was significant reduction in the interest rates.
They have been very consistent in increasing the interest rates when ever RBI increases them and have never reduced it consistently.
More over, I have realized that they have granted loan in spite of being aware that the property has invalid documentation. Can anybody please advise me in this regard?
What is hopeless is the have informed me that they do not entertain personal negotiations with regard to the interest rates and all such negotiations should be made over the phone... imagine the customtakeouter centricity they offer....