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Globing Essay Preview: Globing Report this essay RETAIL ADVANCES ANNEXURE IV (Rate of Interest w.e.f. 05.02.2011) SCHEME Rate OF INTEREST % Base Rate % Spread % Effective Rate % (a+b)=(c) Processing Charges Direct Housing Finance 0.50 % of loan amount, maximum Rs.20,000/- i) upto Rs.30 lacs a) upto 5 years tenure +0.50 10.00 b) 5.