core issue is whether banks should continue with the current system of tinkering with spreads the difference between the bplr and the rate actually charged to the customer each time they come out with a new scheme or should banks fix a spread linked to bplr and each time the bplr moves interest rates for all home loan customers would change accordingly once the issue is sorted out there will be clarity on pricing home loans said a senior banker present in the meeting as for the united india topup plan this can be given to your father but only up to 60 years with the medical tests