I have taken a housing loan from SBT in the year 2008 with a floating interest rate. The current intereset rate that is charged to me is 11.75%. I believe that this interest rate is very high as per the current market. Is there anything I can do about this. When I checked their website, below is the prevailing interest rate is at "1.25% above Base Rate currently 9.75%" Please see http://www.homeloanshub.com/state-bank-of-travancore/home-loans-rates.html. Please advise on what should I do about this.