"Havn't we all got Cheated by Finence Minister and Housing Finence Companies?

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Dear all housing loan takers ,don't u think we have been cheated by indian Finence minister and Housing Finence Companies,specially ICICI and HDFC.In june 2005 Housing loan int.rate was 7%for floating and 7.5% for fixed.Finence policies were rapidly changed for benefits of these H.F.Cs. Housing loan rates were rapidly slashed earlier to influence peaple to fullfill their dream of their own home.When all the groups has gone out of their limits and took heavy loan,lured by cheap int.rates.When these HFCs have enough customers in markets and demand was more than their funds ,they 've started increasing int rates on housing loans rapidly and within 20 moths it has shot up by 3.5% on floating resulting in 10.5%ROI.Today i feel like cheated as the over all value addition to the property is very less than hike in ROI.My EMIs are not decreasing even after paying 20 EMIs.Now I can't even sell my house as whatever i 've spent in 20 months, on this house ,I will not get it back.Pls give your opinion about this.