Hi,
I am really confused with SBI homeloan. Tried reading all the info here but then also doubts are there. Pls help me to get clear in it.
Property is Under-construction. Only 3,84220 has been disbursed. I will be paying for pre emi interst for 1.5 years. How can i maximise my saving with it. If i have monthly surplus (5000 Rs). how can i utilize it.? If yes do i have to put it in OD account?
Pls suggest. How to utilize this SBI maxgain features suitably with an example from the data below. Loan for 20 years
Regards.
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Transaction Accounts
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| Account No. / Nick name | Branch | Available Balance | Transactions |
| OD | SECTOR , NOIDA | INR 4,15,780.00 | Click here for last 10 transactions |
| SAVING | SECTOR , NOIDA | INR 10,719.00 | Click here for last 10 transactions |
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Loan Accounts
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| Account No. / Nick name | Branch | Outstanding Amt | Transactions |
| SECTOR 7, NOIDA | INR 3,175.00 | Click here for last 10 transactions | |
| Description | SBI SURAKSHIT HL MAXGN AUG 12 |
| Book Balance | -3,84,220.00 |
| Available Balance | 4,15,780.00 |
| Limit | 8,00,000.00 |
| Uncleared balance | 0.00 |
| Drawing Power | 8,00,000.00 |
| Currency | INR |
| Rate of Interest (% p.a.) | 10.05% |
| Lien Amount | 0.00 |