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Rate of Interest of Home loan for current SBI customers.

What is the ROI for the current customers who have a house loan with SBI. For the new customers they are offering 10.1% floating but I just wanted to know what is paid by the current customers. 

I have heard from some people that initially they will offer a lesser ROI and will compensate by more ROI from the current customers and so my ROi will also increase eventually. I don’t know how true is this. Can somebody help me with this.

Also is LIC home finance good enough to get a house loan OR I should strictly stcik to SBI.

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