Any contract between a bank and its retail customer, as RBI itself has earlier noted, is heavily loaded in favour of the former. As a result, individuals have little scope to negotiate, particularly on home loan interest rates, despite a clutch of banks competing for a common customer base. Whatever the repayment track record of a loan applicant, a uniform home loan interest rate is offered to all. State-run lender Bank of Baroda has, however, made a departure from this established convention by offering a 100-basis-points concession to borrowers with favourable credit scores.