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
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
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
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
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
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
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
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
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
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
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
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
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|