Often banks charge high fee of curiosity like 12% to 15% but apply for HDFC personal mortgage , you may get charge of curiosity down to only 10%. Lenders wish to see that you simply're able to afford your whole debt obligations, together with your new mortgage if accepted. Only a few lenders actually disclose all mortgage fees and rates of interest brazenly. Loan term: The size of time it's important to repay the loan.