SBI Home Loan: एसबीआई ने होम लोन पर बढ़ाई ब्याज दरें, जानिए आपकी EMI पर क्या होगा असर

देश के सबसे बड़े सरकारी बैंक भारतीय स्टेट बैंक (SBI) ने होम लोन के लिए मिनिमम इंटरेस्ट रेट्स को बढ़ाकर 7.55 प्रतिशत कर दिया है.

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नई दरें आज यानी बुधवार से लागू हो गई हैं. भारतीय रिजर्व बैंक (RBI) ने पिछले सप्ताह रेपो रेट को 0.50 फीसदी बढ़ाकर 4.90 फीसदी कर दिया.

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जिसके बाद कई बैंकों ने लोन पर ब्याज दरों में बढ़ोतरी की है. मई में भी आरबीआई ने रेपो रेट में 40 बेसिस प्वाइंट की बढ़ोतरी की थी.

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एसबीआई की वेबसाइट के अनुसार, बैंक ने अपनी एक्सटर्नल बेंचमार्क बेस्ड लेंडिंग रेट (EBLR) को बढ़ाकर न्यूनतम 7.55 प्रतिशत कर दिया है.

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हले यह दर 7.05 प्रतिशत थी. बैंक EBLR के ऊपर क्रेडिट रिस्क प्रीमियम भी जोड़ते हैं.

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बैंक ने मार्जिनल कॉस्ट ऑफ फंड्स बेस्ड लेंडिंग रेट (MCLR) को 0.20 प्रतिशत बढ़ाया है, जो 15 जून से लागू है.

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इसके पहले, मंगलवार को एसबीआई ने चुनिंदा अवधि के लिए 2 करोड़ रुपये से कम की FD पर अधिक दर से ब्याज देने का ऐलान किया.

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एसबीआई की वेबसाइट पर दी गई जानकारी के मुताबिक 211 दिनों से लेकर 1 वर्ष से कम की जमा राशि के लिए 4.60 फीसदी की दर से ब्याज मिलेगा, जबकि पहले यह 4.40 प्रतिशत था.

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सी तरह, 1 वर्ष से अधिक लेकिन 2 वर्ष से कम की FD पर ग्राहकों को 0.20 फीसदी ज्यादा यानी 5.30 फीसदी की दर से ब्याज मिलेगा.

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2 साल से अधिक लेकिन 3 साल से कम की अवधि पर SBI ने ब्याज दर को 5.20 फीसदी से बढ़ाकर 5.35 फीसदी कर दिया है.

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हले यह दर 7.05 प्रतिशत थी. बैंक EBLR के ऊपर क्रेडिट रिस्क प्रीमियम भी जोड़ते हैं.

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बैंक ने मार्जिनल कॉस्ट ऑफ फंड्स बेस्ड लेंडिंग रेट (MCLR) को 0.20 प्रतिशत बढ़ाया है, जो 15 जून से लागू है.

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इसके पहले, मंगलवार को एसबीआई ने चुनिंदा अवधि के लिए 2 करोड़ रुपये से कम की FD पर अधिक दर से ब्याज देने का ऐलान किया.

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सी तरह, 1 वर्ष से अधिक लेकिन 2 वर्ष से कम की FD पर ग्राहकों को 0.20 फीसदी ज्यादा यानी 5.30 फीसदी की दर से ब्याज मिलेगा.

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2 साल से अधिक लेकिन 3 साल से कम की अवधि पर SBI ने ब्याज दर को 5.20 फीसदी से बढ़ाकर 5.35 फीसदी कर दिया है.

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