HDFC LTD takes a lot of time to process my request. Otherwise its good, the best part that it took some time for the construction and its because of which the loan was lapsed . However HDFC LTD took renewed it immediately and sanctioned that after 2 or 3 days,
06:22 PM - Dec 17, 2014
Rate of interest offered by ICICI bank for the housing loan is fine , there is no processing fee nor additional charges . Basically, I have not taken any loan from ICICI Bank. Honestly speaking they were extremely helpful and very honest. I ended up taking loan with HDFC LTD mainly because of my husband.
06:12 PM - Dec 17, 2014
I got one home loan from Gruh finance under the subsidiary of hdfc limited . Usually home loan will be provided to A Katha properties which is regularised properties and B type wherein non regularised properties. Generally other banks will be provide loan only for A katha property however in hdfc limited they are the only people who give loans to B type properties. Rate of interest was quite high as 1% when compared with other banks . There was no fixed rates . They offered 11.75% as rate
06:23 PM - Dec 16, 2014
Bajaj Finserve housing loan is good. There is a lot of hidden cost. Where they would be charging some additional cost even when the demand draft is in transit. In other words, interest would be charged right from the date when the demand draft is dispatched. There is no charges for online payment and the payment gets reflected instantly.
06:17 PM - Dec 17, 2014
Rate of interest offered by HDFC LTD Housing loan is 10.15% . Overall its fine. However when it comes to charges there is a lot of hidden cost. I was told that I would be given a cash back and on the agreement copy I saw some other figure being quoted as the cash back and they said the difference was because of the processing fee and when I was told that there is no processing fee in the first place and there were some many other issues with regards to charges. Good if they work on that.
06:11 PM - Dec 17, 2014
AS the builder was registered with LIC housing finance, I went ahead for home loan. The interest rate provided is quite competitive where it is fixed for 5 years and I liked it. I did submit the signed documents to the dealer, everything was smooth.
06:14 PM - Dec 16, 2014
Rate of interest offered by HDFC LTD Is the least in the market that is the first and the best feature about HDFC LTD. I place my trust on them because I have been transacting with them for quite sometime. I have marked a mail asking them to real ease the funds directly to the builderâ??s name . They have that within a reasonable amount of time.
06:16 PM - Dec 17, 2014
The experience was not so good when I availed a home loan from ICICI bank. The services were quite ok. The rate of interest is high which should be reduced. I would suggest that they must consider their old customers and must provide some discounts in the interest rates.
07:07 PM - Dec 16, 2014
Follow up was awesome from Dena bank and everything was proper. Dena bank is new generation bank so they are very good in all the aspects. Employees of Dena bank are very friendly and their service was wonderful. Per lakh I am paying Rs.1098 for EMI and the interest rate for home loan is around 10.25% which is less comparatively. Dena bank deducted around 6,000 to 10,000 for legal and for other formalities.
04:12 PM - Dec 16, 2014
The reason why I have chosen HDFC LTD for the housing loan is because of their brand name. Customer service offered by them was not up to the mark. Staff who dealt with my case was not very supportive. It was a lengthy process and even after disbursement of the loan the service offered by them was not satisfactory.
06:13 PM - Dec 17, 2014
Interest rate is fair enough as they offered 10.5% for home loan. Actually PNB housing finance sanctioned home loan as faster but they have to improve their service level. I am not receiving alerts regarding EMI and current offers so it would be great if the alerts are regular.
06:28 PM - Dec 16, 2014
Service was not upto the mark in state bank of india. Customer service was not good .Response was not upto the mark. Whatever they have promised they are not doing it. They actually provided very lower interest rate for my home loan. Once the loan disbursal done then only they are highlighting the hidden rates. Even online facility is also not good. They say we have to have Online account with SBI savings account compulsory to view online statement.
05:56 PM - Dec 15, 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|