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User reviews
  • I have not yet finalized the property that is why I have dropped the idea of taking a housing loan. After confirming that I might contact Axis Bank for the same housing loan. The rate of interest offered by other Banks are close to around 9.75% , I guess Axis Bank is offering 10% which is on the higher side and as I hold a salary account with Axis Bank its quite convenient for me.
    10:36 AM - Oct 21, 2014

    SATYA PRASAD, new delhi
    3.0/5 "Satisfactory"
  • When I applied for Axis bank housing loan, it was so unfortunate my mother expired, that is why I was unable to proceed with the concerned Bank. I also hold a salary account with Axis Bank that is why I have approached Axis bank. I would certainly approach Axis Bank for the housing loan as I was banking with them and love to bank with them forever.
    05:27 PM - Oct 20, 2014

    VIJAY SINGH GUSAIN, new delhi
    5.0/5 "Blown Away!"
  • Axis bank executive was good and explained all necessary details to me when I approached them for Home loan. Actually I am having several loan with different banks thus I was informed that I am not eligible for home loan. Customer service of Axis bank is really good. The owner of property could not provide required documents that Axis bank asked for and that too a reason for closing of home loan application. However, I am happy about Axis bank. I felt the rate of interest to be high in Axis bank while comparing to other banks.
    04:39 PM - Oct 20, 2014

    ANURAG RANJAN DAS, patna
    4.0/5 "Great!"
  • I have not taken a housing loan with Axis Bank Housing loan, as they told that we have exceeded the time frame that is why they were unable to process the loan. It could have been , if they could kept me posted about the documentation, or what went wrong they could have processed that on time. More than all there was no single point of contact, as there was a communication gap it ended up in failure.
    06:35 PM - Oct 20, 2014

    RAJESH KUMAR, new delhi
    1.0/5 "Really Bad"
  • As not finalized with property, I haven't got the home loan from HDFC limited. My experience with them is not much good. There are lot of hidden charges which is not intimated. I felt inconvenient to go with HDFC limited. Regarding the interest rate, its almost the same offered by others. Mostly, customer delight is more important.
    05:21 PM - Oct 20, 2014

    PRAVEEN KUMAR SRIVASTAAV, delhi
    3.0/5 "Satisfactory"
  • No issues from tata capital for my home loan application. Whenever I put any query these customer service people responded very properly. Rate of interest was quite competitive for me . Within a day they resolved for any query. They need to focus on the documentation part to be and make it simple
    04:36 PM - Oct 20, 2014

    ALI ASGER, indore
    4.0/5 "Great!"
  • I have even approached HDFC LTD for the housing loan, the best part about them was a single point of contact, where I can check about the information on line with one person. A single window is necessary or required to check all the details. Even if something goes wrong they were able to communicate to me immediately and overall its been great.
    06:32 PM - Oct 20, 2014

    RAJESH KUMAR, new delhi
    4.5/5 "Excellent!"
  • Axis bank executive has called me and they guided properly. Even I got call from local branch of Axis bank where response was good. Actually I have planned to buy house which belongs to my relatives but they dropped the plan of selling thus the home loan application with Axis bank got closed. I am much satisfied with the customer service. Initially there was some communication gap but the follow ups were good. I am not very sure about the offered rate but I am satisfied with the offered rate.
    05:16 PM - Oct 20, 2014

    SRIDATTA N D, mysore
    3.0/5 "Satisfactory"
  • AS of now, I don't have any plan of availing home loan, hence not availed the home loan from ICICI. Inspite of me not availing home loan, customer service team did approach me well. Interest rate was quite higher which could be reduced. Overall satisfactory.
    04:22 PM - Oct 20, 2014

    SUNIL A, bangalore
    3.0/5 "Satisfactory"
  • I have approached Axis Bank housing loan , their services were good, they gave me enough support and they tried their level best to help me. It was all because of my builder, as my builder has a tie up with LIC. I took a housing loan from LIC and that is why I have dropped Axis.
    06:28 PM - Oct 20, 2014

    JOSE PUSHPANAYAGAM, coimbatore
    4.0/5 "Great!"
  • I was holding my home loan with HDFC bank for last 5 years , It was totally a good experience with them, Customer care executive was pretty good with their service initially while I approached they given me proper response they guided me very politely. I approached Rs 25 lackh they approved the same amount what I approached with them, I am really happy with their service.
    05:01 PM - Oct 20, 2014

    AKHILESH KANHAYALAL MISHRA, pune
    4.0/5 "Great!"
  • I had good experience with Axis bank while I approached them for Home loan. Actually I postpone the plan of getting property thus I closed the home loan application. They were ready to offer the interest rate of 10.5% and better processing fee. There is no pre closure charges which is satisfactory. The executive has just contacted me once and mentioned the required details apart from that I did not go in depth. However the executive was good. Probably I would start for real estate in future thus I approach for home loan.
    03:54 PM - Oct 20, 2014

    LENIN ANTONY, kochi
    3.0/5 "Satisfactory"
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BankBazaar Home Loan is Rated as "Pretty good" by 3136 Users
 3.5 / 5.0   by 3136 users
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Fees & Charges

Promised Interest Rate

Customer Service

Responsiveness

Home Loan BYTES FROM OUR KITCHEN

You're eligible for a Home Loan if you:

01
02
03
04
That's 21 years old, same time that everything besides milk becomes legal too

Are legally adult enough to handle it

Less than 65 years of age, because sanguine golden years are for playing golf

Have still got it

Salaried or self-employed - whatever puts food on your table

Get a regular pay check

There's a minimum amount for that regular pay check

Make more than a basic buck


Your eligibility depends on

01
02
03
So you'll have enough for life's other goodies

EMI limited to about 50%
of monthly income

So you have something to call your very own from the get go

Loan capped @ 75% - 85% on property value

So you don't bite off more than you can chew. Trust us, it's less painful this way

EMIs of other loans lower
your eligibility


Boost your eligibility by

01
02
03
Her income will bolster your eligibility and make good on your wedding vows of sharing, caring and avoiding doing the dishes.

Making your spouse a co-applicant

We've all learned that haste makes waste

Choose longer tenure loans of up to 20 - 30 years

They will always remain older, wiser and more credible than their offspring.

Alternatively add your parents as co-applicants


Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 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

Home Loan Interest RatesUpdated on 23 Oct 2014

Home Loan Details
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
Pre-closure Chargest Nil

rated 3.5 /5.0
by 3136 users
Over 5,00,000 Happy Customers with loans & cards
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Offers to Compare
Over 25 offers to compare!

This is our forte- helping you compare the finest deals. Additionally, we'll handpick offers that suit your profile and present the best rates from several banks, so you can make a thoroughly-informed decision.

Breaking Down Offers
Breaking down offers

We're obsessed with giving you a 365 degree view of offers. So, we'll break it down for you - EMIs, eligibility, maximum amount that can be borrowed, fees, hidden charges... no more getting fooled by the fine print!

Why Apply Online
Preferred over builder

There's a good reason by thousands of customers choose BankBazaar - we support you in many more ways than a builder would through the process - multiple options & timely handheld support.

Cheaper then Dealer
Why apply online?

You don't have to fight for parking space! Jokes apart, applying online will help you save time and money; plus, you'll be able to use the services of our super-friendly customer service team at anytime and get all your queries answered.

Comparing Best Car Loans
Done comparing! Now what?

We showcase the best loan offers and help you compare them... what next? Well, we'll aid you in applying to the bank of your choice and work with you right up to the delivery of the loan!

Still have a gazillion questions?
Still have a gazillion questions?

Think of BankBazaar as your loan-savvy buddy! Our customer support team is at your service to clear doubts on eligibility, offers, procedures and documentation, and help you apply. They'll even co-ordinate with the bank to get you your loan on time.

Connect to the Bank
We'll connect you to the bank

We know the bank guys really well! So, if you want to talk to a bank representative or get help on your loan application, we won't just connect you to them; we'll also do the follow-up on your behalf.

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