i have taken a home loan from icici bank on floting intt rate in 2006.that time raete of intt was 8.50% now they have increased it to 12% howvere When RBI have directed tobank cut down the intt rate for loan upto 20 lac they decraesd the rate of intt to 11.50% only for new customer not to the existing custoer.is this fair business ethis. or cheating with the customers