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User reviews
  • The processing of my home loan is almost completed with IDBI bank and I am expecting the sanction letter in a day or two after two weeks of processing. The documentation & verification part are pretty much simple. Best part is there was no processing fee at all and the response was excellent. I think the rate of interest could be reduced from 10.25%.
    05:17 PM - Sep 16, 2014

    5.0/5 "Blown Away!"
  • Last month I had availed a home loan from LIC housing finance. It was overall a good experience. Actually my mother is working with LIC of India who helped me a lot in availing the loan very easily. The documentation was very simple and my loan was disbursed within a month at a rate of interest of just 10.10%.
    04:41 PM - Sep 16, 2014

    RAUNAK DWIVEDI, lucknow
    5.0/5 "Blown Away!"
  • The customer service executive from the Axis Bank called me and they explained me about the loan details. The housing loan application was canceled from my side because the property was not finalized. In future if i am looking for a housing loan i will prefer Axis Bank.
    04:25 PM - Sep 16, 2014

    MASTHAN IBHRAHIM , tirunelveli
    5.0/5 "Blown Away!"
  • My recent home loan application with HDFC LTD has been closed because they are no ready to offer me the required loan amount. I am happy about the service part however the way they charged me the processing fee was very disappointing. They should have informed me about my eligibility before processing my application. I don't recommend HDFC LTD as I don't like the way they deal with the customers.
    05:02 PM - Sep 16, 2014

    4.0/5 "Great!"
  • I had recently availed a home loan from LIC housing finance in the month of Jul'2014. I had directly approached the branch of LIC HOUSING FINANCE and submitted my documents for a home loan. It took around 40 days of processing for disbursing my loan at a rate of interest of just 10.10%. I definitely recommend LIC housing finance.
    04:33 PM - Sep 16, 2014

    RAM YADAV, lucknow
    4.0/5 "Great!"
  • I am feeling very comfortable that my home loan was there with hdfc limited. I got my loan within a weeks time with less documentation with very good interest rate. I have taken so many loans earlier with them may be that could be one of the reason they are so genuine to me. They need to concentrate on their existing customers also by providing benefits rather than new customers. The offers are very limited for existing customers
    04:21 PM - Sep 16, 2014

    RITESH BHATNAGAR, ghaziabad
    3.0/5 "Satisfactory"
  • I had recently applied for a home loan with HDFC LTD. I already have a home loan running with another bank and I had finally decided to go for a top up with the same bank. Therefore I had closed my recent home loan application with HDFC LTD. The customer service & response from HDFC LTD are perfectly fine however the base rate of interest was not that much competitive.
    04:53 PM - Sep 16, 2014

    4.5/5 "Excellent!"
  • It was a great experience with HDFC LTD on applying a home loan. Unfortunately I had dropped my plan due to some other commitments. I would probably go for the loan after an year from now. It was a pretty good service and a prompt response from HDFC LTD. I had no complaints at all.
    04:30 PM - Sep 16, 2014

    NAVYA KANTI SIMHAM, bangalore
    5.0/5 "Blown Away!"
  • My recent home loan application has been closed with HDFC LTD because the property I had finalized was purchased by a different person. I feel the customer service and the response from HDFC LTD are excellent. I am OK with the rate of interest however the processing fee was quite high when compared to other banks.
    04:19 PM - Sep 16, 2014

    ROSHAN PODUVAL, mumbai
    5.0/5 "Blown Away!"
  • I had let my home loan application close with HDFC LTD because I got a better offer from a different bank. HDFC LTD Customer service was quite good and the relationship officers have called me several times & followed up very well. The response was prompt and I am pretty much satisfied with the rate of interest, processing fee & charges.
    04:42 PM - Sep 16, 2014

    RAUNAK DWIVEDI, lucknow
    4.0/5 "Great!"
  • The processing of my home loan application is almost complete with LIC housing finance and I am currently awaiting the loan sanction letter. I had overall experienced a very good customer service and the response was prompt. The rate of interest offered was 10.25%. They have actually committed one week for processing which is still not completed.
    04:26 PM - Sep 16, 2014

    RAGHAVENDRA K, bangalore
    4.0/5 "Great!"
  • It was through the builder I had easily availed the loan from LIC housing finance last month. They took hardly 15 days for processing and disbursing my loan and they offered me a rate of interest of just 10.10%. I think the processing fee & charges are quite similar to other banks.
    04:15 PM - Sep 16, 2014

    MUTHUM BALARAM, coimbatore
    4.0/5 "Great!"
BankBazaar Home Loan is Rated as "Pretty good" by 2433 Users
 3.5 / 5.0   by 2433 users
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Fees & Charges

Promised Interest Rate

Customer Service



You're eligible for a Home Loan if you:

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

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

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 18 Sep 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 2433 users
Over 5,00,000 Happy Customers with loans & cards
Hdfc Bank CITI Bank ICICI Bank AXIS_BANK Bajaj Fin Serv Bank Magma Standard Chartered Bank Indusind Bank American Epress Bank DHFL SBI Card Tata Capital Fullerton Bank Credila HDFC TVS CREDIT SERVICES PNB Housing Finance Limited LIC HFL
Compare multiple options and choose the one that best suits you

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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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