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It doesn't make sense to go for fixed rate home loans

Dual rate home loans are back - albeit with some minor difference. ICICI BankBSE 0.43 % set the ball rolling by launching home loans with the option of having a fixed rate for either the first year or the first two years. The fixed rate for one year is between 10.5% and 11.5%, depending on the loan amount, and for two years, it is 10.75% to 11.75%.

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