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SBI increases MCLR by 5 basis points across loan tenures – This rate is based on four components-marginal cost of funds, negative carry on account. If you have a good credit score, you could negotiate and get a rate as low as MCLR itself, particularly for.
A no-closing cost refinance can also make sense for people who need to do renovations on their home but don’t have the cash to do them. You may get a better deal by taking the slightly higher interest rate (or adding on to your loan balance, which would also mean you have higher interest payments each month) on the refinance loan than you.