Where can I find a sample of SBI Home Loan Agreement?

I have a home loan with SBI,outstanding 3.9 lakhs at 8.75%. How to re-finance the loan?What are the advantages?

I have 120 more months to repay the loan with EMI Rs. 7540. I have already paid 60 EMI.
when you said 120 month more i believe that this is your first month and have just start paying EMI. i believe 8.75 % is a great percentage to get at this point of time. all other FC have atleast 9 %. why you want to re-finance this long. refinance a home loan should be done only and only if the 2nd banker gives you at 2 % less then the exist %. i believe no body will give you at 6.75 % at these market conditions. also if you working the section 24 and sec 80 will bring the home loan to around 5 %. also plz note that from 2011, the direct tax regime will start and these advantages of sec 24 and 80 will be lost.

Which is best SBI Home Loan or ICICI Home loan but why?compare all hidden cost and servicec harge?

SBI will be better , ICICI just not good , they are keep on increasing the rates for existing customer since last 5 years , but once that too now only thet reduced it by .5 points , but they are offering the new loans at much cheaper rates then what there existing customer are having.So they don’t care once you take the loan. SBI is having good repo as it is government bank and it has good practices.

SBI realty home loan?
Hi I have availed SBI realty home loan last year for purchase of plot on a condition that I must start the construction in 2 years. Last year I have estimated the construction cost. It was low when compared to the current rate. I think I could not afford that much for construction now. What actions can the bank take against me in case if I am not starting within the stipulated time of 2 years? I have availed loan from SBI (india).