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Can Fin Homes — House loan Canfin

Address:560062
Website:Canfin home

I have taken loan from Canfin lalbagh branch and I asked them to pay reduce interest rates and they are asking me to pay 0.5% service charges to avail new interest rates.
I am getting confused why should I have to pay this amount to adjust interest rate is it government rules or it is canfincompany rule.Every time I am end up with paying extra money to adjust my loan interest rate.
Can you please suggest me is there any way to adjust the loan interest rates without paying this extra money
Regards
Venkat
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    Can Fin Homes Phone
    +91 98 4415 5881
    +91 80 2226 6430
    +91 80 2656 7631
    Can Fin Homes Address
    No. 29/1, Sir M N Krishna Rao Road, Basavanagudi, Bangalore, Karnataka, India - 560004
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