thanks shanvy, as everyone i am worried about two things- 1. what if the rate decreases further - safe bet here is 10% 2 yrs 2. what will be the floating rate that LIC will offer, they say its rake/card rate? will it be like the other banks - confused here if LIC is the better choice. I have axis and lic as choices provided from builder. NOTE: the 10% plan states, the floating interest will be 25 pts less than the card rate after 2 years. How about your plan? After 3 years is it the card rate for you?