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Transfer of Loan from LIC to SBI in future ?

Hello,

I have applied for SBI home loan for 36 lac..They offer @10.5 floating . And LIC 10.10 lac for first two yrs..I guess after 2 yrs they will rise too much.. So which option is good…

Or Is it good choice to take LIC for 2 yrs and then transfer to SBI??

How much charge I have to pay to both LIC and SBI ??

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