I, have borrowed laon of Rs. 9,96,000/- on 31.03.2006 that time assured the Fix type of Home Loan for the period of Fix and also assured that, u may decide after 3 yrs to go for floating or Fix as per choice. But now they are deny and forcing me to take only option of fix rate of interest which 11.90% as 9.5% charging for floating rate of interest. so, if I am going to change a bank they are charging me 2% penalty on outstanding and 10.3% service tax on that. I am requested, whether to change my option of floating type else not charge penalty for forclosure.