Why BankBazaar Home Loan?
  • Compare multiple bank offers
  • Apply Online for Lowest Rates
  • Get e-approval instantly
 Home Loan Ratings
4.0 / 5.0 by 783 users

Fees & Charges

Promised Interest Rate

Customer Service

Responsiveness

 Home Loan Reviews

"HDFC Home Loan is good, the operation process is very good they are constantly in touch with the customer and update customer every now and then and they are doing a very good job and they should continue doing the same job keep up the good work!"

Pramod Savanoor, Bangalore
More Reviews
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Get E-approved on Your Home Loan

Compare & Apply online at BankBazaar.com to get instant e-approval for your home loan from HDFC Ltd, Axis Bank & ICICI Bank.

Get Best Home Loan deals

BankBazaar.com has coordinated with Axis Bank, HDFC Ltd and ICICI Bank to get you the best deals on your home loan.

Types of Home Loans

Various types of home loans are available in India like home purchase loans, construction, extension, home improvement loans, conversion loans, bridge loans & land purchase loans.
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Rates & special offers displayed below are accurate & applicable ONLY for applications made on BankBazaar.com

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Home Loan Overview

Home Loan 4.0 / 5.0 by 783 users  
Used this product? Write a review »
Thinking of buying your Dream Home? Compare and apply online at BankBazaar.com to get instant e-approval for Home Loans

Buying your dream home is an important milestone in your life and requires a lot of planning, thinking and money, but with a wide variety of housing loans available in India, financing your dream home project is just a click away. Check your Home Loan eligibility now by filling up the above form and get best housing loan offers instantly. Check your Eligibility Now!

Why Apply for a Home Loan on BankBazaar.com?
  • Lowest interest rates: We have coordinated with HDFC Ltd, Axis Bank, ICICI Bank & others to get you the best home loan interest rates. In fact, HDFC Ltd, Axis Bank & ICICI Bank use BankBazaar.com-powered technology to give their customers the best home loan experience on their websites, www.hdfcinstanthomeloans.com, https://loans.icicibank.com/home-loan.html and https://loans.axisbank.com/home-loan.html
  • Instant e-approval: On BankBazaar.com you can compare home loan offers, apply online and get instant e-approval for your home loans from HDFC Ltd, Axis Bank and ICICI Bank.
  • Simple Online Comparison: Compare home loan offers on the basis of loan eligibility, EMI, interest rate, fees and customer ratings.
  • Transparency: Aimed at helping you make the right choice, we provide objective and transparent information about your loan options.
  • Privacy: Your application is sent only to the lender you choose, and is never shared with anyone else.
How to get home loans on BankBazaar.com
  • Eligibility Calculator: Fill the form above to instantly get customized home loan quotes that you are eligible for.
  • Compare home loan offers: Compare customized home loans offers from HDFC Ltd, Axis Bank & ICICI based on your eligibility criteria and apply online for the one you like.
  • Your application will be sent electronically to the lender you chose. The lender will contact you within one day.
  • BankBazaar.com will update you on your loan application status via email & SMS alerts.

Home Loan FAQs

  1. What are the factors I need to keep in mind while comparing home loans from different financial institutions?
    A loan applicant needs to check on the following parameters when comparing home loans.
    • Purpose of loan i.e. purchase a already built home, purchase a plot & construct on it
    • Eligible loan amount, as this will govern the down payment you will have to make
    • EMI and interest rate
    • Processing fees
    • Pre-payment and pre-closure fees
    • Ratings of the customer experience by previous customers
  2. Can I take a home loan for Home improvement or home extension?
    Yes, Apart from Home purchase you can take home loan for Home Improvement Loan, Home Extension Loan, Home Conversion Loan, Bridge Loan, Home Construction Loan and Land Purchase Loan.

  3. Will there be any additional costs when I purchase a home?
    Registration charges, transfer charges and stamp duty costs are some of the costs in addition to the cost of the home.

  4. What are the other costs that usually accompany a home loan?
    Home loans are usually accompanied by the following extra costs:
    • Processing Charge/Booking fee: It is a fee paid to the lender, when you apply for a loan. It could either be a fixed amount (not linked to the loan quantum), or could be a percentage of the loan amount.
    • Pre-payment Penalty: If a loan is paid back before the end of the agreed duration, a penalty is charged by some banks/financial institutions, which could be up to 2% of the amount pre-paid (Some institutions also consider all partial payments done in the last 12 months, as part of the pre-paid amount). However, most lenders currently do not charge a pre-payment fee for floating rate loans.
    • Miscellaneous Costs: Some lenders may levy a documentation or consultant charge. This is also known as "Application fee", in some institutions.
    • Registration and Stamp Duty charges - These are to be paid at the local Sub-Registrar's Office (SRO), as Charges for transferring the rights of the property from the builder/seller, and registering it in the name of the buyer (the loan applicant).
  5. Can I have a co-applicant for a home loan?
    Yes, it is good to have a co-applicant. This can help you increase the loan amount you are eligible for as the income of the co-applicant is also taken into consideration. Providing additional security like bonds, fixed deposits and LIC policies will also help in enhancing eligibility.

  6. What is EMI? How is it calculated?
    An equated monthly Installment (EMI) is the amount of money that is paid back to the lender on a monthly basis. It is essentially made up of two parts, the principal amount and the interest on the principal amount equally divided across each month in the loan tenure. The EMI is always paid up to the bank or lender on a fixed date each month until the total amount due is paid up during the tenure.
    The EMI facility helps the borrower plan his budget. The EMI is calculated taking into account the loan amount, the time frame for repaying the loan and the interest rate on the borrowed sum.

  7. What is an amortization schedule?
    An amortization schedule is a table giving the reduction of your loan amount by monthly installments. The amortization schedule gives the breakup of every EMI towards repayment interest and outstanding principal of your loan.

  8. Can I avail a tax rebate on my home loan?
    Yes, under Section 80C and Section 24 tax deductions are capped at 1 lakh for the principal repaid and 1.5 lakhs for the interest repaid.

  9. What are the loan tenure options?
    You have the option of selecting a loan tenure you are comfortable with, ranging up to 25 years, provided the term does not extend beyond your reaching 65 years of age or retirement age, whichever is earlier.

  10. What is the repayment period for a NRI Home Loan?
    The housing finance offered to NRIs normally do not exceed 7 years. The repayment for the loan is by way of EMIs. The EMIs begin only after the entire loan is disbursed. In case of a part disbursement, you will pay only the interest amount on the disbursed loan amount every month instead of the EMI. This is known as pre-EMI.

  11. What are the Tax Benefits applicable to Non-Resident Indians?
    No tax benefits are available for NRI customers unless you file returns and hence become eligible to avail the tax rebates available for home loans.

  12. Does BankBazaar.com charge me for its services?
    No, BankBazaar.com’s services come to you free of charge.

  13. How will the security and privacy of my data be ensured?
    BankBazaar.com’s will never share your data with any third party other than the financial institution that you decide to apply to. Our sound technology practices ensure a highly secure environment for all your data.

  14. What happens once I submit my application on BankBazaar.com?
    As soon your application is electronically submitted on BankBazaar.com, we will transmit it securely to the financial institution of your choice. This financial institution will then contact you directly to take the process forward.
    BankBazaar.com’s will also keep you updated on the status of your application via email and SMS alerts. You can also view the status of your application online at BankBazaar.com.

Home Loan Eligibility & Documentation

Home Loan Eligibility:
Anyone with a repayment capability and a dream to buy a home is eligible to get a home loan. Some of the important eligibility criteria are as follows:

  • Salaried individual or Self employed individual or Self employed professional like doctor, lawyer, etc.
  • NRI or resident Indians
  • Aged between 21 years and 65 years
  • Have a good CIBIL credit score
  • Good repayment capacity with fixed & stable income source
  • Employment at a stable company
  • Try our home loan eligibility calculator to check how much loan amount you are eligible for.

How is your home loan eligibility determined?
Based on the following aspects financial institutes will determine your loan eligibility:

  • Your monthly income
  • Property cost (you can get 80% of the property value if the loan amount is less than 20 lakhs and 85% of the property value if the loan amount is more than 20 lakhs. )
  • Other EMI’s which you are paying for any other loan

Fill the form above to check your actual home loan amount eligibility.


Home Loan documentation: For a speedy Home Loan approval you will need genuine documents which will help banks to give quick approvals. Here is a standard list of options for each document required.
Identity proof:

  • Driving license
  • Voters ID
  • Passport
  • PAN card
  • Ration card
  • Employee ID
  • Bank passbook
  • Letter from a recognized public authority or public servant verifying your photograph
  • Confirmation letter from your employer or another bank verifying your photograph

Address Proof:

  • Driving license
  • Voters ID
  • Passport
  • Ration card
  • Bank passbook or Bank account statement
  • LIC policy/ receipt
  • Utility Bill – telephone, electricity, water, gas (less than 2 months old)
  • Letter from any recognized public authority verifying residence address of the customer
  • Letter from your employer

Age Proof:

  • Driving license
  • Passport
  • Bank passbook
  • PAN Card
  • Birth certificate
  • 10th standard mark sheet

Income Proof: The following set of documents that detail your credit profile varies according to whether you are a salaried individual or a self-employed individual.
Self Employed/Entrepreneurs:

  • A brief introduction of Business/Profession
  • Balance Sheet, profit and loss account statement of income, proof of income tax returns for the last 3 years certified by a CA
  • Photographs
  • Receipts of advance tax payments if any made
  • A photocopy of Registration Certificate of establishment under Shops and Establishments Act/Factories Act
  • Registration Certificate for deduction of Profession Tax
  • Certificate of Practice
  • Receipts of Bank loans
  • Proof of investments (FD Certificates, Shares, any other fixed asset)

Salaried Individuals:

  • Income Proof ( you just need to provide one of the options listed for income proof)
  • Latest Pay slip
  • Form 16
  • Increment/Promotion letters
  • Appointment letter
  • Pay slip (Last 2 months) with salary account bank statement
  • Certified letter from Employer
  • IT returns ( for three years )
  • Investment proof (FD certificates, shares, any fixed asset etc.)
  • Documents supporting the financial background of the borrower (his liability and assets if any)
  • Photographs

What are the documents required for obtaining NRI Home Loans?
NRIs are required to submit a few documents more than is required for a resident Indian:

  • A copy of the passport
  • A copy of the works contract (also sometimes referred to as the contract card/labor card)
  • The power of attorney (POA). The POA is required because the borrower is not based in India and in such a scenario; the HFC would need a representative ‘in lieu of’ the NRI to deal with as required. Although not compulsory, the POA is usually drawn on the NRI’s parents, wife or children

I am purchasing a flat from the builder, what supporting documents I will need to submit to the bank?

  • Original copy of your agreement with the builder
  • 7/12 extract – This is issued by the concerned land authorities giving details such as the survey numbers, area, date from which current owner is registered as owner etc.
  • Property register card, which is obtained from the City Survey Department
  • N.A. permission for the land from the collector, if its agricultural - If the land is agricultural and is being utilised for residential/ commercial/industrial use, then such agricultural land has to be converted to non-agricultural land and a Non-Agriculture Order has to be obtained from the Collector of the district where the property is located.
  • Search Report and Title Certificate – A search report and title certificate can be obtained from an advocate who will conduct a survey of the title of the property by visiting the office of registrar. A legal opinion can avoid any legal hassles later and is mandatory to be filed with the agreement for sale.
  • Development agreement between the owner of land and the builder
  • Copy of order under the Urban land Ceiling Act
  • Copy of building plans sanctioned by the competent authority
  • Commencement certificate granted by the Corporation
  • Building completion certificate
  • Latest receipts for taxes paid towards the land or property or flat to be purchased
  • Partnership deed or memorandum of association of the builders firm

I am purchasing the house from a Cooperative Society, what documents I will need to submit to get a home loan?

  • Original share certificate of the Society
  • Allotment letter from the Society in your name
  • Copy of the lease deed, if executed
  • Certificate of the registration of the society
  • Copy of the byelaw’s of the Society
  • No objection certificate from the Society
  • 7/12 extract or property register card in the Society’s name
  • Copy of N.A permission for the land from the collector
  • Search Report and Title Certificate
  • Copy of order under the Urban Land Ceiling Act
  • Copy of the building plans sanctioned by a competent authority
  • Commencement certificate granted by Corporation
  • The latest receipts of taxes paid for the property
  • Original Agreement to assign / Deed of assignment

What documents I will need, if I am constructing house on my own land?

  • Original sale deed of land and extract of Index II
  • 7/12 extract or property register card in your name
  • Copy of N.A. permission for land from the collector
  • Search and title report
  • Copy of tax paid under Urban Land Ceiling Act ( obtained from Commissionerate of Urban Land Ceiling and Urban Land Tax )
  • Copy of the building plans sanctioned by a competent authority
  • Building permission granted by the Corporation
  • The latest receipts of taxes paid for your land
  • Estimate of the cost of construction certified by the architect

What are the documents that need to submitted for disbursement of a home improvement loan?

  • Title deeds for the past of 13 years
  • Encumbrance certificate for the past 13 years ‘Khata’ certificate
  • Most recent tax receipts for the property
  • Approved plan
  • License for the extension
  • Cost estimate from a qualified engineer
  • Cost estimate from the architect

Home Loan Interest RatesUpdated on 22 July 2014

Details of Home Loan

Home Loan Interest Rate.(Monthly reducing balance)
10.5% to 14.25% floating. Check Customized Interest Rates Now!
Processing Fees
0.5% to 1% of loan amount
Home Loan Tenure
1 year to 20 years
Home Loan Amount Funded
Up to 85% of property value
Pre-payment Charges
0% to 2% of amount being prepaid
Pre-closure Charges
0% to 2% of amount being preclosed
Guarantor Requirement
No guarantor required

Home Loan Articles

  • How to calculate your loan eligibility!
    Most people who buy a home through a home loan are often left with little cash to carry out any further improvements in the house as per their requirements. Some opt for personal loans in order to make good this requirement.
  • Home loan document checklist for self employed!
    Every financial institution which deals in home loans has a specified set of requirements which are to be met by a borrower. When a borrower is found to be eligible for the loan, only then he is granted the amount applied for.
  • How to select your home loan lender?
    Getting a home loan approval can be a long and tiresome process especially if you are a self-employed professional or business owner. This is because many banks doubt business men for job continuity, as they are free to quit their jobs at any time. 

Home Loan Forum

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   Home Loan Reviews
Customer Reviews
Page 1 of 40 1 2 3 4 5
  • Validated User

    I have recently availed a home loan from HDFC LTD. I am fine with documentation & processing time however I am little disappointed about the response from the bank & customer care executives. Few things were not communicated to me before disbursing the loan and the demand letter was received after the first due date. Rate of interest is standard and the customer service needs improvement.

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    took a Home Loan from HDFC LIMITED on BankBazaar.com Reviewed on
  • Validated User

    HDFC Home Loan is good, the operation process is very good they are constantly in touch with the customer and update customer every now and then and they are doing a very good job and they should continue doing the same job keep up the good work!

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    took a Home Loan from HDFC LIMITED on BankBazaar.com Reviewed on
  • Validated User

    Initially I have taken a loan for 15 years and they changed my tenure without any notice the interest rate was changed from fixed to floating rate without any notice and I tried to call them but there is no response from them for quite some time even after 15 days time I have heard from them hoping to get a positive response from them.

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    took a Home Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User

    I was very keen to take a home loan from SBI as their interest rates are low, but later I dropped the plan of taking a home loan as their executives are ready to come to my place to collect the documents and I have to go all the way to the Branch to do is and the Branch staff does not have a clear picture about verification also and hence I am was not that interested with SBI

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    took a Home Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • Good one
    /images/customer_review/default-unknown-person.png
    PRAVEEN KUMAR, bangalore
    Recommend Recommended by user
    Validated User
    (8)

    I am happy with ICICI as they have offered me a home loan their interest rate is excellent I have taken fixed interest rate for 2 years and post which it will move to variable interest rate which none of the other Bank does, the sales executive does not have a sound knowledge as he missed to take my signature once and he came back to get the signature from me its ok still manageable.

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    took a Home Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (6)

    I had a very disappointing service when i applied for the housing loan from HDFC Limited the processing and the documentation was good at the initial period and they ask for some more documents at the end moments and the response was not good and it took one month to get completed but the best part is that as soon the documentation is done the disbursement was done in very quick time , the EMI was affordable.

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    took a Home Loan from HDFC LIMITED on BankBazaar.com Reviewed on
  • Its very good
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    MALATESH SHIVASHANKRAPPA DAMMALLI, bangalore
    Recommend Recommended by user
    Validated User
    (4)

    HDFC Home loan is very good they processed the loan very well, they collected the documents and it got delayed it took more than 1 month to process my request its time consuming and if they provide any other alternative number of the executive it will really good, and it will be really easy to contact them and I have no suggestions for them.

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    took a Home Loan from HDFC LIMITED on BankBazaar.com Reviewed on
  • Validated User
    (2)

    I applied for the housing loan with standard chartered bank i had a very disappointing service with this bank on the customer service there was no propers response from them and the customer service executives need to be educated more on the how to handle customers the overall banking service needs to be improved.

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    took a Home Loan from STANDARD CHARTERED BANK on BankBazaar.com Reviewed on
  • Very Good
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    SACHINKUMAR NARSINH BHAI DARJI, vadodara
    Recommend Recommended by user
    Validated User
    (2)

    I am overall satisfied with the housing loan with the Axis Bank the processing and the documentation was very easy and the customer service executive Mr Manish who took the initiative in completing the process in very quick time and the whole process got completed in ten days. The bank bazaar web site i had a great experience and it was very easy access the customer service executive are very quick in respond they are excellent.

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    took a Home Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Good
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    MADASAMY RAJA, chennai
    Recommend Recommended by user
    Validated User
    (3)

    I applied for the housing loan from Axis Bank the processing and the documentation was very good an the customer service executive Mr Karthikeyan who took the initiative and guided me in completing the process and the whole process got completed in twenty days and the EMI was affordable.

    Was this review helpful? Yes

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    took a Home Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User
    (3)

    I applied for the housing loan from Axis Bank i would say that the initial process was very good but it took too long time and every week they came up with some issue asking for new documents and the customer service executive are not flexible to the customers need and the whole process got completed in one and half month that was really a disappointing service.

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    Fees & Charges
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    took a Home Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Good
    /images/customer_review/default-unknown-person.png
    SANKET PRADEEP KUMAR SHAH, surat
    Recommend Recommended by user
    Validated User
    (2)

    Axis Bank housing loan the processing and the documentation was very easy and it was very transparent and Mr Darshan who helped me in completing the process and the whole process got completed in twenty days and little disappointing thing is that the processing fee was little high and schedule repayment chart is not yet been delivered from the bank.

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    took a Home Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Very Good
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    MANOHARA K P , bangalore
    Recommend Recommended by user
    Validated User

    I applied for the housing loan from the Canara Bank the processing and the documentation was very transparent and the customer service executives was guiding me in completing the process and the whole process got completed in one month and the EMI was affordable.

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    took a Home Loan from CANARA BANK on BankBazaar.com Reviewed on
  • Validated User

    Bank of Baroda Home Loan, best thing is initially they told what are documents required, approval process took in just 15 days, loan process is easy, satisfied with interest rate there is no processing and hidden charges, response was really nice i am fully satisfied with service.

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    took a Home Loan from BANK OF BARODA on BankBazaar.com Reviewed on
  • Excellent service
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    SIVA BALAKRISHNAN, chennai
    Recommend Recommended by user
    Validated User
    (8)

    I am holding home loan in HDFC where I got immediate response from them after taking the loan. I feel they provide good interest rates for me. Customer service was really working very well, whenever I am call the toll free they provide the correct information. I get reminder call alert for my EMI amount to be paid and also for the balance maintenance in my other current account with other bank. Whatever request I am placing they give clear picture on time. I am really satisfied and so happy to have relationship with HDFC LTD.

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    Fees & Charges
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    took a Home Loan from HDFC LIMITED on BankBazaar.com Reviewed on
  • Validated User

    I have recently availed a home loan from IDBI bank in the month of Mar'2014. It was really good banking with IDBI and representative who met me for collecting the documents was really helpful in guiding me to complete the loan process. Processing time was just 15 days and the rate of interest offered to me was absolutely lesser than other banks. Best part is there was no processing fees.

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    took a Home Loan from IDBI BANK on BankBazaar.com Reviewed on
  • Validated User

    AXIS bank home loan processing was quite good. It took around 1 week for processing and all the documentation, verification was taken care by the executive who supported and guided, communicated well. He came to my office and collected all documents and i would surely appreciate the bank executive. I would tell them to maintain their consistency and all the on line information was good.

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    Fees & Charges
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    took a Home Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User

    It was a good experience of availing a home loan from SBI last month. I didn't face any difficulty in availing a loan because of my friend who is an employee of SBI helped me to complete the loan process smoothly. Quite easy documentation and the processing time was just 10 -15 days. Best part is the rate of interest offered to me was very good compared to other banks.

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    took a Home Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • Validated User
    (5)

    I am quite happy that my home loan has been approved by ICICI bank as of today and I may get the loan amount in couple of days. Documentation & verification process went smooth and the loan was approved within just 4 days. I think the rate of interest is good compared to other banks. Customer service is good & prompt. Website is brilliant and the follow up is pretty good.

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    took a Home Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Validated User
    (5)

    Had a very nice experience of applying a home loan with HDFC bank and my loan was disbursed in the month of Apr'2014. Everything was clear and very easy documentation. Processing time earlier was very high but now they took around 9 days only. Best part is the branch is very close to my house hence very convenient. Rate of interest is quite similar to other banks and must be reduced a little bit.

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    took a Home Loan from HDFC LIMITED on BankBazaar.com Reviewed on
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