July 21, 2020. Low budget house plans in kerala 2020 Low budget house plans in Kerala : Home for Malayalees is a dream of a lifetime. Interest on loans up to Rs 12 lakh per annum is 4 per cent for loans up to Rs 12 lakh and 3 per cent for loans up to Rs 18 lakh. That is why the average Malayalee is willing to spend the entirety of his life in the household. 3d front elevation 16. 2.30 lakhs as subsidy to the borrower. 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