ING Vysya home loan
Preclosure Penalty

I have taken a loan from ING Vysya and first of all they charge 1 to 2 % above market rate. I approached them to close the account and they said I need to pay a penalth of 3%. But the initial documentation we have signed while the loan was taken clearly mentions 2%. When I asked about this change, they have no answer. Be careful while dealing with this bank