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Take it to SBI, has better interest rates, Daily interest calculation and you cAn pre pay loan in increments of 1 rupee by transferring via NEFT, unlike others where you have to send in a cheque.
Speculative, but I think you are better off holding on to Indian loans in the long run instead of refinancing in the US.
I took a loan at 12% at the start of MBA and by the time I started paying, $ appreciated by 10% and now it has appreciated around 20% compared to start of my loan. So basically my Indian loan kind of became interest free.
I agree with above 2 comments. SBI allows part payments. meaning, you can pay how much money you want per month as long as that is higher than your EMI and close your loan account sooner than before without fees, charges etc.
And, to be honest 9% interest is a reasonable interest for mortgage loans. Deposit rates itself are 6% in India and I would not expect anything lowerthan 9% for a mortgage. Like BCG1 said, dollar appreciation is a big factor to consider before refinancing indian loan in US.