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User reviews
  • Home Loan with HDFC Limited they called and informed all the details clear and gave prompt response it was very good part. Since my company is not listed with them they are unable to process the loan. They offered interest rate at 13% it was comparatively high. It would have been great if they provide any optional way for those whose companies are not listed with them and need to improvise on interest rate in order to avail the loan.
    06:06 PM - Sep 29, 2014

    2.0/5 "Expected more"
  • There are not many private financial lenders in India as trust worthy as Indiabulls Housing Finance ltd, I had taken a loan from a certain lender for my first home and had a torrid time repaying the amount. To avoid the hassles again I tried IBHFL and I am glad that I choose the right company. The loan executives have extensive knowledge of the market and give valuable suggest for customers based on their individual needs.
    05:12 PM - Sep 29, 2014

    SachinS, mumbai
    3.5/5 "Pretty good"
  • The housing loan application was canceled from my side due to some personal issue however the response from the Axis Bank customer service executive was very quick and they explained me about the process in a clear manner the overall service was good.
    04:49 PM - Sep 27, 2014

    5.0/5 "Blown Away!"
  • I was planning to get a home loan to buy my property in Himachal Pradesh. I went to one of the branch of HDFC LTD and inquired about my home loan requirement. They told me that they don't offer the home loan where they don't have a branch. The overall communication with HDFC officers was very good and I don't find any difference in the rate of interest since all the banks are offering the same interest rates.
    06:01 PM - Sep 29, 2014

    5.0/5 "Blown Away!"
  • I have not finalized my new property yet therefore my recent home loan application with HDFC LTD has been closed. The documentation part was bit high, interest rate was 10.50% it was quite good when compare to Axis bank. It would be great if they improvise on documentation part.
    04:13 PM - Sep 29, 2014

    4.0/5 "Great!"
  • One of my colleague recommended HDFC LTD to me and gave me the contact number of a relationship officer. After we discussed I met that guy and submitted my documents to him. After 15 days of processing my loan was disbursed at a rate of interest of 10.75%. I feel the rate of interest was quite good when compared to other banks.
    04:37 PM - Sep 27, 2014

    5.0/5 "Blown Away!"
  • As per HDFC LTD the property should be greater than 2 acres to be eligible for a home loan. The property that I had finalized is lesser than the said limit therefore my home loan application has been closed by HDFC LTD. According to me HDFC LTD should re-consider my home loan application since the price of the land is getting increased and the customers couldn't afford more acres. I feel the processing fee shouldn't be applicable at all.
    05:48 PM - Sep 29, 2014

    ARUP DATTA, kolkata
    4.0/5 "Great!"
  • My experience of availing home loan through Axis bank is satisfactory, I got loan approval in 4 days it was very quick process. Interest rate is 10.75% it was bit high when compare to other banks. Best part is documentation is quite easy. Overall i am happy with service.
    04:11 PM - Sep 29, 2014

    3.0/5 "Satisfactory"
  • The housing loan application was canceled from Axis bank because my CIBIL score was less however the response from the customer service executive was good. The executive explained me on the loan process and the documents that required to process the loan.
    03:06 PM - Sep 27, 2014

    5.0/5 "Blown Away!"
  • Home Loan with HDFC Initially they informed all the thing clearly and they asked my required and requested to keep the documents ready, after few days i received the message stating application is closed, Since my property is outside of city it comes under panchayat approved. I would suggest they need to inform initially when they ask about the property. They need to improvise on Customer service and response part.
    05:45 PM - Sep 29, 2014

    NASEEB SINGH DADWAL, chandigarh
    1.0/5 "Really Bad"
  • State Bank of India housing loan: I got the loan approval in three days and i got the loan amount disbursed in 7 days. I would personally appreciate the Zonal manager of GOA State Bank of India Mr Devilal Sharma who took the initiative in getting my loan application processed in quick time.
    12:27 PM - Sep 29, 2014

    FONDEKAR DC, hyderabad
    5.0/5 "Blown Away!"
  • I got the call from the Axis Bank customer service executive initially they said they can process. The executive informed that they said that they will send an executive to collected the documents but there was no response. After a weeks time i got a message stating that my loan application was canceled due to credit limit.I would say that they need to analyze the customer history before calling the customer for the processing of the loan so that it would save the time of the customer.
    01:06 PM - Sep 27, 2014

    3.0/5 "Satisfactory"
BankBazaar Home Loan is Rated as "Pretty good" by 2801 Users
 3.5 / 5.0   by 2801 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 01 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 2801 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
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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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