I feel the experience is not much good with HDFC limited in applying home loan. When applying, the relationship officer did call me on a daily basis whereas at the time of rejection, there was no proper follow ups. It would be better if they could take care of the customer concern.
10:51 AM - Nov 24, 2014
I was looking for balance transfer home loan, however it was not processed by HDFC limited as the property is Gram Panchayat. AS they said its not possible, I started trying with others. Rate of interest is impressive and that is the main reason I did approach HDFC limited.
06:05 PM - Nov 23, 2014
Am in a plan of availing home loan by next year as I haven't got the loan from HDFC limited. Only drawback is the property issues, however the customer relationship officer took initiative and did explain all the queries in detailed manner. I felt good to be with HDFC limited.
05:51 PM - Nov 23, 2014
Personally, I feel HDFC limited customer relationship officer didn't take additional responsibility on resolving my queries and providing status of my application. There should be a initiative taken as the customer's would feel satisfied. Interest rates was quite acceptable however as my property approval was a issue, unable to avail home loan.
10:28 AM - Nov 24, 2014
I did take 11 lakhs home loan amount from Bank of India for constructing first floor of my apartment. Rate of interest is too higher which is around 11460. The customer service relationship with the customers is so cooperative. However, one thing is if charges can be lesser, it would be fine.
06:04 PM - Nov 23, 2014
My personal experience with HDFC limited in applying home loan is extremely good. There was not even a single call from the customer relationship officer which needs to be considered. Interest rate is too lesser than others. It would be better if they contact the customers and could make convenient.
05:47 PM - Nov 23, 2014
From the time of application, there was no response or updates regarding the status of home loan application from HDFC limited. My suggestion would be not to remain silent and provide the status within short span of time rather than dragging for such a long time.
06:11 PM - Nov 23, 2014
It was just a application submitted with HDFC limited, not even a single response received from them. Even email communication was not received from them. As per the market rate, rates and charges are same. Overall quite ok however needs lot of improvisation.
05:59 PM - Nov 23, 2014
Related to the salary norms, I had got intimated its not up to HDFC limited terms and conditions. My net gross salary is lesser however including all my incentives its higher which could be not included in salary norms. Services is good and it was a quicker services.
05:45 PM - Nov 23, 2014
Regarding ICICI, its good experience by availing home loan within a week. After application process, within 2 days documentation and verification process got completed. 10.10% is the interest rate offered with partial payment option done at any time.
06:10 PM - Nov 23, 2014
Its a excellent service given by HDFC limited in terms of home loan. There was lot of suggestions provided to me as well as the requirements was taken faster. Even the response provided was quick and overall feeling good.
05:55 PM - Nov 23, 2014
As my property is not DTCA approved, i was not able to avail home loan from HDFC limited. Am quite disappointed in not availing home loan, however the response provided is quite prompt in manner. Interest rate is quite nominal.
05:39 PM - Nov 23, 2014
Are legally adult enough to handle it
Have still got it
Get a regular pay check
Make more than a basic buck
EMI limited to about 50%
of monthly income
Loan capped @ 75% - 85% on property value
EMIs of other loans lower
Making your spouse a co-applicant
Choose longer tenure loans of up to 20 - 30 years
Alternatively add your parents as co-applicants
|Interest Rate (Monthly reducing balance)||10% - 10.5%|
|Processing Fees||0.5% of Loan|
|Loan Tenure||1 year to 20-30 years|
|Partial pre-payment Charges||Nil|