SBI has been awarded “The Most Preferred Home Loan Provider” by AWAAZ Consumer Awards. SBI home loans give concession on interest rates on GREEN HOMES under its environment protection program. SBI has different options for loan borrowers such as ‘SBI – Flexi’ home loans provides borrowers a one time irrevocable option to choose one of the three combinations of fixed and floating interest rates and also to choose the order in which the fixed and floating rate will be availed. The other is ‘SBI- Maxgain’ home loans - earn optimal yield on savings and minimize interest burden on home loans, with no extra cost. ‘SBI –Realty’ Home loans - purchase a plot of land for house construction. ‘SBI – Freedom’ Home loans – who want to invest in a property without mortgaging the same. SBI offers ‘SBI – Optima’ additional home loans and ‘SBI – Homeline’ special personal loans for existing home loan borrowers who have a repayment record of 3 years, etc.