The services of HDFC limited was very good when I applied for a home loan with them. As I am an account holder of HDFC bank since 2005 I got a very good response from HDFC limited as well. There were no issues in terms of their services. I would say that the I have faith in the services of HDFC as I have never faced any hassele in any terms.
06:17 PM - Nov 21, 2014
It was just a single visit I had with the relationship officer of HDFC limited regarding the policies, documentation part discussion. I was not satisfied with their valuation provided for my property which was too lesser than my requirements. However, the rates and charges are quite reasonable.
12:33 PM - Nov 21, 2014
I was asked for DTCA approved property documents which was so different from others and that was the reason I was unable to get home loan from HDFC limited. Other than this issue, I did get proper response, overall communication was pretty good.
11:34 AM - Nov 21, 2014
I thought of getting the home loan from HDFC limited however as the property is not been approved by them, I didnâ??t get it. Even arranged money from other sources, hence not in a idea of availing home loan. The approach by customer relationship officer was too nice and rates and charges was quite ok.
06:09 PM - Nov 21, 2014
When I was in search of home loan, I had applied with LIC housing Finance as well where the response was too slow. The issue was the documentation part where I was asked for IT return and form-16 for 5 years, however I did have IT return for 5 years and form-16 for 3 years alone. This was the main reason I didnâ??t continue further.
12:32 PM - Nov 21, 2014
The home loan disbursal was so easier as the documentation process was simple and I was able to submit all documents whatever State bank of India customer service executive had requested for. The processing was so faster where within 12-15 days, got the loan. Overall happy with them.
11:33 AM - Nov 21, 2014
I was not able to avail home loan from HDFC limited since my property is in village location. One of the negative point is it took long time to evaluate the reason of rejection which I dislike. However, it would be better if they could improvise them, it would be fine.
06:04 PM - Nov 21, 2014
My personal experience form DHFL was good. The local branch executive Mr.Santosh was too helpful and within a short time, entire processing was done and even the disbursement too. The charges are quite the same like others. More over, there was a scheme for rural areas where for the minorities and for women borrowers, the rate of interest is 9.6% fixed for 7 years and later on its floating. Its the best offer at the current market trend. One thing the processing charges can be bit lower as it is 1% of the loan amount.
12:31 PM - Nov 21, 2014
There is no limit for part payment in Bank of Maharashtra. I availed home loan for limit of 24lakhs and there is no installment limit so I can part pay the amount at any time. Bank paid the loan amount directly to builders. Everything was good but it would be great if they improve on customer service. I paid some amount already and yet to pay rest of the amount.
10:50 AM - Nov 21, 2014
I had no issues with LIC housing finance while I was taking a home loan in the year 2013. LIC is very good in processing home loans and the customer service was good. They offered me a fixed interest rate of 10.9% for the next 10 years. This option is not available with other banks & financial institutions. They processed my loan within 15 days of time.
03:55 PM - Nov 21, 2014
When I availed a home loan from HSBC the response was very fantastic. There were no issues in terms of their services and the rate of interest which was 10.15% when I applied. But now it has been reduced to 9.9% which is appreciable. Their processing was also very fast and they disbursed the loan within the stipulated time.
12:21 PM - Nov 21, 2014
One of the person from LIC housing finance had called from Jaipur branch where I was able to get the home loan offer. The particular customer service executive did explained the details in a very well way and the rate of interest was quite affordable. Even pre closure option is quite good.
10:47 AM - Nov 21, 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|