Rates and Fees
Rates and Fees on Home Loan depend on the period and amount of Loan. Normally these have ranged between 7-12% in the past, and vary depending on the economic conditions and rates fixed by RBI, which are taken as benchmark by the Banks or Housing Finance Companies to grant Loans.
Insurance
When you take a Home loan, these days certain companies also insure your Home loans. Many banks are willing to provide additional loan to cover up the insurance amount, which is normally one time. The impact is that they increase your EMI on account of insurance premium so paid.