1. Take the lon after SBI givs its result. speshal skemes vil cum. 2. no hope of reduksan in rate. 3. take maksimam lon and spare ur savings to buy a plot in remote sabarban area of hyderabad or chennai at thro avay price. In 4 year time U can sel the plot and clos the home lon. I did it. 4. East or west, SBI is best. They dont peenalise for preklosar. 5. The rate may go to 16% maksimam. Be redy for it in 2 years.
