Negotiate Do a survey on various banks and find out how much they are offering. If you have good income and decent CIBIL score, you can negotiate for home loan rates from various bankers. This also means negotiating for your processing fee and is non refundable. If you are good customer with good income, lower exposure and good CIBIL record you can get a good bargain. This varies between 0.50 percent and 1 percent of the total loan amount. However you should know that paying a processing fee does not mean that the loan will be sanctioned by the bank. Be on the safe side and have a written agreement with your lender.