source of home loan

u got the lowest rate. cause all the others have high interest rate. at present u must go for floating and after 3-5 years just review the interest rate of floating and fixed at that time it will be good decission to switch over. as the inflation is coming down hence i think the interest rate will also come down.

The Government banks ay offer you lessor rate at present also. SBI, UTI and Bank of Punjab may offer you less. PLoating rate is good option.

You can try LIC HOUSING FINANCE.