The icici CSR called me and said my rate will be reduced to the new rate. I reached the bank, there i was presented with a whole new set of loan agreements to switch my loan. This is totally unfair, when loan rates go low, they will change the terms and conditions.
There is pure cheating and this is no different india from past when poor people borrowed interest based debt and kept paying for their whole life.
I want a rate cut without the new document signing. The profits can never be made by being over smart and writing one sided agreements.
Shah
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