A "low interest" loan shouldn't mean you have very little interest in paying it back!
  • Bangalore Home Loan

    Bangalore Home Loan
     4.0 / 5.0   by 681 users
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    Bangalore also known as Bengaluru, is the capital of the Indian state of Karnataka. It is India's third-largest city.In recent years, Bangalore propelled to be the forefront of the high-tech industry boom in India, and it currently ranks as India's most developed city and one of the world's fastest growing urban areas.

    Home loans, also known as mortgages, use the borrower's home for collateral. This home can be a single-family house up to a four-unit property, as well as a cooperative unit. Lenders fund home loans, but both the lenders themselves and brokers who act on behalf of the lenders originate, or process, them.


    You’re probably eligible for an Bangalore Home Loan if you are

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    Bangalore Home Loan Minimum Age

    At least 21 years old

     Bangalore Home Loan Maximum Age

    Less than 65 years old

    Bangalore Home Loan Eligible Employment Type

    Salaried / Self-employed
    with regular income

    Bangalore Home Loan Minimum Income

    Earn more than the minimum
    income required


    Your Bangalore Home Loan amount eligibility is based on these factors

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    Bangalore Home Loan Minimum Salary

    EMI limited to about 50%
    of monthly income

    Bangalore Home Loan Maximum Loan to property value

    Loan capped @ 75% - 85% on property value

    Bangalore Home Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Bangalore Home Loan amount by these steps

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    02
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    Bangalore Home Loan Add Spouse as Co-applicant

    Make your spouse a co-applicant,
    and her income will add
    to your eligibility

    Bangalore Home Loan Maximum Tenure

    Choose longer tenure loan up to 20 - 30 years

    Bangalore Home Loan Add parents as Co-applicant

    Alternatively add your parents


    Documentation needed to apply for an Bangalore Home Loan

    • 1. Photo ID and age proof
    • 2. Signed application form with photograph
    • 3. Processing fee cheque
    • 4. Last 6 months bank statement
    • 5. Documentation for salaried applicants:
      • Last 3 months salary – slips
      • Form 16 or Income Tax Returns
    • 6. Documentation for self-employed applicants:

      • Last 3 years Income Tax Returns with computation of Income
      • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

    Bangalore Home Loan Interest RatesUpdated on 08 Jul 2015

    Bangalore Home Loan Details
    Interest Rate (Monthly reducing balance) 10% - 10.5%
    Processing Fees 0.50% of Loan
    Loan Tenure 1 year to 20 - 30 years
    Partial pre-payment Charges Nil
    Pre-closure Charges Nil

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    Bangalore Home Loan Reviews

    Customer Reviews
    Page 1 of 50 1 2 3 4 5
    • Validated User
      (0)

      I did not take my home loan with IndiaBulls as we dropped the idea of taking it. The services has been good. The rate of interest and processing fees was a bit high.

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      kavya took a Home Loan from INDIABULLS Reviewed on
    • Validated User
      (0)

      The reason of closing the home loan application from Standard Chartered bank as i was not interested to take loan with them.But the customer service was good. No information was given with regards to the charges for the loan as my application was closed in the early stage. There is no issue with the bank this was my personal decision.

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      sudarshan took a Home Loan from STANDARD CHARTERED BANK Reviewed on
    • Validated User
      (0)

      Response was too low with Axis bank for the housing loan and there was no follow up call as well from them. I have post ponded the plan of taking the housing loan and I have planned to take the housing loan after 1.5 years. I did not discuss about the interest rate and processing fee as well.

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      vaishnavi took a Home Loan from AXIS BANK Reviewed on
    • Validated User
      (0)

      By the month of march , I got the call from the Union Bank of India regarding about the home loan.There are some of the mis communications with them after they collected the requirements from my end.I would like to suggest that there should be regular follow up with the customers till the end of the process.

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      madhu took a Home Loan from UNION BANK OF INDIA Reviewed on
    • Validated User
      (0)

      I have my home loan with SBI. The process for this loan did not take much time. The rate of interest offered was of 9.7% and whenever there is a cut from RBI I get a message informing me about the difference of rate. I guess they very much follow RBIâ??s rules. They need improvement in their customer services.

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      abhilash took a Home Loan from STATE BANK OF INDIA Reviewed on
    • Validated User
      (0)

      The project I was looking for was not with Indiabulls and I was sort off not interested. Thatâ??s how I did not go with them for my home loan. The services were and reasonable and they had a good communication. The rate of interest was good.

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      abhilash took a Home Loan from INDIABULLS Reviewed on
    • Validated User
      (0)

      They have not given the enough time for the property to get finalized and they have closed my home loan application with DHFL.They have not discussed about the interest rate and I would suggest it will be better if they provide timely response towards the customer in the loan process.

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      prakash took a Home Loan from DHFL Reviewed on
    • (0)

      I applied for a Home Loan and paid the processing fees , I gave a Home Loan Sanction Letter, that is it. Nothing happened after that, After sometime my Loan Status was Rejected. Axis Bank never provided any reason nor did the bank personal picked up the phone. These are cheats you should stay away from. They will only eat your processing fees. They are very unprofessional. And to your Surprise I am a Axis Bank Priority Banking Customer from last five years. If such things could happen to me then i guess normal customers should not even apply. I made complaints on email and phone and what not way but never a response. Finally i had to close my account as well with them. Stay away from such fraud.

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      gaurav took a Home Loan from AXIS BANK Reviewed on
    • Validated User
      (0)

      I got applied for the home loan with the Union Bank of India.But I just forgot about according to them because it was quite few months before.The rate of interest what I expected on that time was according to the market rate.Am still looking for that.

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      jamuna took a Home Loan from UNION BANK OF INDIA Reviewed on
    • Validated User
      (0)

      The process was really good while I got this Home loan with HDFC Ltd.The customer service provided was really good and the interest rate offered was quite good.The documentation process was taken care by the dealer themselves and the process was wonderful.The processing fee was quite high.

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      santosh took a Home Loan from HDFC LIMITED Reviewed on
    • Validated User
      (0)

      I didnâ??t get a Home loan with DHFL because the property was not listed under the DHFL contract.The loan was sanctioned by other bank and I donâ??t know why DHFL is not offering and I donâ??t want to discuss about that as well because as of now I got this loan with different Bank.The customer service provided was quite responsive.

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      santosh took a Home Loan from DHFL Reviewed on
    • Validated User
      (0)

      It was a very easy process for me to take the home loan from Axis Bank as I was holding my salary account with this bank. It was very convenient process as the agent comes and collects all the documents from my office and it took only 2 weeks for the loan to get disbursed. Overall there was no issues with this bank.

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      abhijeet took a Home Loan from AXIS BANK Reviewed on
    • Validated User
      (0)

      It was a very good experience with Punjab national bank for the home loan. I had not taken the loan from PNB as I only had the discussion with them. The customer service executives were very supportive and so it was a very good service offered by them. They were very responsive and so there was no issues.

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      abhijeet took a Home Loan from PNB HOUSING FINANCE LIMITED Reviewed on
    • Validated User
      (0)

      The services offered by Punjab National bank housing finance was good for the home loan. They were able to resolve all my queries and they also had given me proper information. I had not taken the home loan from PNB as they were not ready to approve loans for the B karta property. It was a very timely response by the executive and also they maintaining a very good relationship with the customers.

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      chakradhar took a Home Loan from PNB HOUSING FINANCE LIMITED Reviewed on
    • Validated User
      (0)

      I got the home loan with the India bulls.The rate of interest is around 9.85% and its floating.The processing charges is zero because I got it through the offer.Within 20 days of time the loan got fully disbursed.The project is new and its the ready to occupy state.As of now I dont have any suggestions with them.The executives helped me a lot and they collected the documents in on time

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      vaishali took a Home Loan from INDIABULLS Reviewed on
    • Validated User
      (0)

      I have applied for the home loan with the Union Bank of India.The rate of interest that I expected was around 10%.The suggestion part from myself to the union bank of india, atleast they need to contact the customers whom are looking from them.

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      vaishali took a Home Loan from UNION BANK OF INDIA Reviewed on
    • Validated User
      (0)

      The services offered by IDBI Bank was good for the home loan. I am happy to say that they had approved me loan for the property which I had finalized but the other banks did not. It hardly took 7 to 10 days for the loan disbursement. The documentation process was very easy, since they needed only few documents.

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      amarendar took a Home Loan from IDBI BANK Reviewed on
    • Validated User
      (0)

      The response offered by Punjab National bank was very quick for the home loan. I could not finalize the property due to personal reasons and so that is the main reason to drop the plan of taking the loan and I had basically postponed the plan of taking the loan. It was also a very good follow up done by the executives of PNB.

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      karthik took a Home Loan from PNB HOUSING FINANCE LIMITED Reviewed on
    • Validated User
      (0)

      I declined my application with Icici bank is because I had very less work experience. Hence postponed the plan to avail the home loan with Icici bank. Apart from that I am happy about the person who called me was good and the service rendered was good.

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      diya took a Home Loan from ICICI BANK Reviewed on
    • Validated User
      (0)

      It was a good experience with Punjab national bank housing finance for the home loan. I got a call from the executive and they had dealt with all my requirements. The processing fee charged was very high for the loan. Apart from this the service offered by PNB was good. The reason for not taking the loan from PNB was I felt Axis Bank had better features when compared to PNB.

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      vivek took a Home Loan from PNB HOUSING FINANCE LIMITED Reviewed on
    Customer Reviews
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    4.0 681 0.0 5.0
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