{"id":11989,"date":"2019-10-16T15:35:05","date_gmt":"2019-10-16T10:05:05","guid":{"rendered":"https:\/\/www.antworksmoney.com\/blog\/?p=11989"},"modified":"2019-10-18T14:33:15","modified_gmt":"2019-10-18T09:03:15","slug":"banks-linking-credit-score-to-decide-interest-rate-for-retail-loans","status":"publish","type":"post","link":"https:\/\/www.antworksmoney.com\/blog\/banks-linking-credit-score-to-decide-interest-rate-for-retail-loans\/","title":{"rendered":"Banks Linking Credit Score to Decide Interest Rate for Retail Loans"},"content":{"rendered":"\n<p>In a recent announcement, the three public sector banks namely Union Bank of India, Bank of Baroda, and Syndicate Bank have taken their first step in making retail loans more transparent for their potential customers. These banks have started using the third-party credit scores of their potential customers to decide the rate of interest to be offered to a particular borrower. <\/p>\n\n\n\n<p>It will be applicable on home-financing rates. The score received from the Credit Information Bureau (like CIBIL &#8211; Transunion, Experian, CRIF-High Mark, Equifax) will be taken into consideration. On the basis of the shared credit score, these banks will price the fresh home loans. Banks will be using the three different credit scores currently. <strong><a href=\"https:\/\/antworksp2p.com\/\">Borrowers with higher credit score<\/a><\/strong> above 760 out of a maximum 900 will have to pay the lowest rate of interest. Customers with lower credit score will have to bear higher rate of interest on home loans compared to customers with above 760 score.<\/p>\n\n\n\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f11639-o1\" lang=\"en-US\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/11989#wpcf7-f11639-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"11639\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.4\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f11639-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/div>\n<style>\n.g-recaptcha {transform:scale(0.77);-webkit-transform:scale(0.77);transform-origin:0 0;-webkit-transform-origin:0 0; margin-top: 20px;}\n.lead-form {border:1px solid #ccc; padding-top: 20px; margin: 10px 0;}\n<\/style>\n<div class=\"lead-form\">\n\t<div class=\"row\">\n\t\t<div class=\"col-md-12\">\n\t\t\t<div class=\"col-md-3\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name*\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-md-3\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email*\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-md-3\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-number\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-tel form-control\" aria-invalid=\"false\" placeholder=\"Mobile Number\" value=\"\" type=\"tel\" name=\"your-number\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-md-3\">\n\t\t\t\t<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit btn btn-primary\" type=\"submit\" value=\"Send\" \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n\n\n\n<p>Borrowers in the category of the\nscore above 760 will have to pay 8.10% pa. on the fresh loans from Bank of\nBaroda. For the customers falling in the middle category with score between 725\nand 759, the interest rate will be 8.35% pa. For the third category with the\nlowest score of 675 to 724, the applicable rate of interest will be 9.10% pa. It\nis the lowest credit score at which loans will be provided to home buyers.<\/p>\n\n\n\n<p>The credit\nscore of borrowers is expected to become more important in deciding the retail\nloan interest rate because RBI has allowed the high-street banks in the country\nto charge a credit risk premium over external benchmark to calculate effective\nrate of interest. It is from October 1, 2019 banks have introduced external\nbenchmarks to charge the interest on floating rate retail loans. <\/p>\n\n\n\n<p><strong>Interest Rate to Fluctuate<\/strong><\/p>\n\n\n\n<p>Over the\ntime, credit score will be playing a very important role throughout the loan cycle.\n<\/p>\n\n\n\n<p>?If, after\none year, the borrower improves her credit score, the risk premium will go\ndown. Conversely, it could go up if a borrower&#8217;s credit score drops below 760,?\nsaid Virendra Sethi, Head, Mortgages and Other Retail Assets, Bank of Baroda.<\/p>\n\n\n\n<p>Syndicate Bank merging with Canara Bank shortly,\ndecided to increase the credit risk percentage if the borrowers? credit score\nwere to decrease by over 50 points. <\/p>\n\n\n\n<p>?Interest\nrates could also change based on the deterioration in credit profile ? if the\nborrower has delayed EMI payments for more than 30 days three times in the\npreceding one year,? said Mrutyunjay Mahapatra, MD and CEO, Syndicate Bank.<\/p>\n\n\n\n<p>Union Bank\nof India will be charging 10 bps excess to customers with credit score below\n700 falling in the third category. The score shared by other companies like\nExperian, Equifax, CRIF Highmark apart from CIBIL will also be considered. The\nscore rated by these companies are based on the several factors including the borrower?s\npayment track record in the past. In CIBIL, the score 900 being the highest and\n300 being the lowest score, the score ranges 300 to 900. <\/p>\n\n\n\n<p>Some banks\nhave stuck to an internal credit assessment, while others have chosen to use\nexternal credit scores. Lenders have been using the repo rate while Citibank\nhas been using the three-month Treasury bill yield as its benchmark. <\/p>\n\n\n\n<p>According\nto the experts, internal grading system for the retail loan interest pricing\nwill not be considered a transparent way. <\/p>\n\n\n\n<p>Rohit\nRanjan, Head, Secured Lending and Citi Business, Citibank India said, ?In the\npast nine months, 100% of our home loan customers have chosen the Tbill-linked\nloans over MCLR-linked loans. They recognize that an external benchmark is easy\nand simple to understand.?<\/p>\n\n\n\n<p><strong>Conclusion:<\/strong><\/p>\n\n\n\n<p>Every individual is advised to maintain good credit score to save on interest and enjoy varied offers on loans. Customers can take the advantage of <strong><a href=\"https:\/\/www.antworksmoney.com\/credit-doctor\">Antworks Credit Doctor<\/a><\/strong> to keep a close check on your credit health. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>In a recent announcement, the three public sector banks namely Union Bank of India, Bank of Baroda, and Syndicate Bank have taken their first step in making retail loans more transparent for their potential customers. These banks have started using the third-party credit scores of their potential customers to decide the rate of interest to &hellip; <a href=\"https:\/\/www.antworksmoney.com\/blog\/banks-linking-credit-score-to-decide-interest-rate-for-retail-loans\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Banks Linking Credit Score to Decide Interest Rate for Retail Loans&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":12003,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11,1],"tags":[],"class_list":["post-11989","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cibil","category-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Banks Linking Credit Score to Decide Interest Rate for Retail Loans<\/title>\r\n<meta name=\"description\" content=\"The three public sector banks namely Union Bank of India, Bank of Baroda, and Syndicate Bank have commenced linking loans to their potential customer risk profile based on the credit score of an individual obtained from the credit record maintaining companies\/ credit bureaus.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.antworksmoney.com\/blog\/banks-linking-credit-score-to-decide-interest-rate-for-retail-loans\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Banks Linking Credit Score to Decide Interest Rate for Retail Loans\" \/>\r\n<meta property=\"og:description\" content=\"The three public sector banks namely Union Bank of India, Bank of Baroda, and Syndicate Bank have commenced linking loans to their potential customer risk profile based on the credit score of an individual obtained from the credit record maintaining companies\/ credit bureaus.\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.antworksmoney.com\/blog\/banks-linking-credit-score-to-decide-interest-rate-for-retail-loans\/\" \/>\r\n<meta property=\"og:site_name\" content=\"Antworks Money - 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