how can we ask for a decrease in interest rate of homeloan from Pvt bank, when RBI reduce the interest rate?

we have taken a home loan( not fixed) from HDFC bank, as few days ago when RBI reduced interest rate they dont relief us and not answering our question properly, so how we can approach them to reduce our interest rate , now as the interest rates can be going down, i want to ask how we can facilate us and go from a higher interest rate to lower one? kindly suggest?

Is it legal to sell property to brother?

I have a homeloan against a property since last three years.
I want to buy a property near by to my office and hence want to sell my current property so that i can apply for fresh loan.
Instead of selling it third party, i want to sell it to my brother who is salaried person. He will have to apply loan to purchase property from me and we will formally make an sale agreement as per regualar procedure.
As its a transaction between blood relation, will there be any legal matter during agreement or home loan? Please advice