If you are planning for home loan and find that taking home loan from any national bank like SBI is very difficult compare to private bank like ING, ICICI then you are on wrong lane. If SBI reject your home loan application then never finalizes this deal because either your property is disputed or your document is incomplete in this case you will find that private bank will offer you loan very easily. Here I am explaining you my experience with ING, when my loan is sanctioned they are offering me floating rate of interest @ 11.5 and when Ioan disbursed within month rate of interest increased to 12% . Before disbursement they are calling me daily and after that I have to call them daily. As All of you know that when RBI declare the cut in lending rate in November 2008 next day SBI decreased their interest to 9.27 % and you know still I am paying EMI @ 12 % to ING. Morel of the story is that hassles for two or three month from SBI is better then hassle from ING for remaining life.