text: That is another better way of doing things. But you should negotiate the rate with bank. काही लोकं एक टक्का ICICI Bank वगैरे एक दोन टक्के charge करतात. वेड्यासारखं charge करतात. Some other banks charge only 0.5%. So that you must negotiation is forever in the life. Whether you are buying anything or selling anything.