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Message: <blockquote data-quote="kosandpol" data-source="post: 4963983" data-attributes="member: 105851">the cheapest rates is from the National Housing Development Authority but they give only 60%-80% of the value of the land as a loan.State Mortgage Bank, NTB, NSB also has low rates but again only 60%-80% of land value. All other banks has higher rates than this.AFAIK only HSBC give 100% value of the land as loan but their rates are damn high. Check with those places to see if they would give a housing loan for your salary and how much they give as the loan amount.</blockquote>

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