Yes, SBI loads a minimum of 0.20% on the EBR when sanctioning Home Loans. The premium depends on various factors. The occupation of the borrower - Salaried customers, have an advantage, as self-employed persons have to contend with a higher premium. The credit rating of the borrower - SBI evaluates every borrower according to its laid down procedure. Customers who fall in the Risk Grade 4 to 6 have to pay 0.10% more than the applicable card rate. The loan amount - SBI has three different slabs for the loan amount. The loans up to  30 Lakhs attract the least premium whereas those over  75 Lakhs have the highest premium. Women borrowers get the benefit of 0.05% on the interest rate structure at each level