I have taken the home loan from IDBI bank in NOV.2010. The ROI was 9% and now I am paying 11%. There is a annoucement from IDBI bank there will be reduction of 0.25% in ROI for existing customer and from NOV.12 onwards the ROI will be 10.75%. Now I am in dilema, Shall I transfer my home loan to SBI who is offering 10% or shall I continue with IDBI with 10.75%???The transfering the charges will be around 10K and since I have chosen to go for principal amount foreclosing, the interst for the month will paid by me. The amount will be around 19 K. The documentation at SBI is very irritating and it is very lengthy procedure. Also SBI officials are non commital about the time required for sanctioning the amount. The difference of EMI with SBI home loan will be Rs.800/- Is it worth to switch to SBI??? or IDBI is still better option??? please suggest.