It is good and somewhat better. What i felt was initially, they do charge a lot for processing and at later they cancel the loan if not eligible and the amount is not refunded. The processing and documentation was too long and the verification part was tedious. Interest rate was good and the executive was good.
Last month I have received my home loan amount from SBI. It was overall a great experience of availing the home loan. Everything was smooth like documentation was much faster however the processing was little delayed upto 2 months due to some clarification in the documents. Rate of interest was fine.
Had a smooth experience of applying a home loan with HDFC LTD via bank bazaar. Documentation was pretty easy and totally hassle free. Processing time was much faster than other banks. Bank Bazaar made the process easy & simple without visit the bank. Rate of interest is the best and reasonable.
It was little disappointing that my home loan with ICICI is still not disbursed because of some confusion with the builder and the bank. Otherwise, the documentation went smooth and the processing was little delayed upto 25 days as there was lack of response from the bank for about 15 days. I think the rate of interest is quite similar to other banks in the market.
It was a nice experience of applying a home loan with AXIS bank through bank bazaar website. I feel comfortable banking with AXIS bank and the services are prompt. Documentation was common among all the banks and the processing time was around 7 - 10 days. Rate of interest was little higher than other banks.
Interest rate offered was all the same with other banks in terms of home loan and even the processing charges. Processing was all too good and the executive was too cooperative in providing all the information. Documentation, verification was all good and am quite happy with their overall services. I get intimated about my loan information through SMS alerts.
HDFC LTD is very good in following their time lines. It was a great experience of applying a home loan with HDFC LTD via bank bazaar. Processing would have been much faster if I have submitted the documents on time but it was little delayed upto 10 days. Rate of interest & fees are quite competitive.
I have currently post ponded my plan of availing a home loan because the building is under construction. Things were good with HDFC LTD and the documentation was fine not that difficult. Processing time was little bit extended about a month. I think the rate of interest & processing fees are quite higher than other banks and I never experience customer service.
I had to post pond my plan of availing a home loan from AXIS bank as there was some confusion in the documentation of buying a new property. Documentation with AXIS bank is fine and the processing time was average. Rate of interest & processing fee are quite higher than nationalized banks. Best part is the last one year is interest free. Overall experience was good.
I have approached AXIS Bank for a home loan they have not given me a proper reason for the decline , they initially contacted me for the home loan and they sent their executives to collect the documents from me and post which there was no reply from and their tracking number too is incorrect and as there was no reply for them for quite some time I presumed that its been declined.
I got my Home loan disbursed two months ago and still now I haven't faced any discrepancies and the processing was pretty fine as I had account with this bank. Initially based on my salary slip, i was intimated that the whole loan amount would be given but later on it was quite less which was not satisfactory. EMI date is flexible and their on line banking needs to get updated to know about my monthly payments information, due date etc.
I have experienced good service so far by having home loan with ICICI bank. Their services are really good and they really proactive , good follow-ups. Excellent delivery to whatever they committed and promised. They are providing good interest rates as per the market rate . Overall service was excellent
Had a good experience of applying a home loan with HDFC LTD via bank bazaar website. Documentation was very clear and quite similar to other banks. Everything was smooth until approval and the follow up was perfect. I would suggest the bank to be more customer focus and customer centric. Rate of interest & processing fees are quite common among all the banks.
I have currently dropped my plan of availing a home loan from HDFC LTD because the registration of the property was not complete yet. Process of documentation was good and the time taken for processing was much faster than other banks. Everything was clear and neat. Rate of interest is average.
I have recently availed a home loan from HDFC LTD. I am fine with documentation & processing time however I am little disappointed about the response from the bank & customer care executives. Few things were not communicated to me before disbursing the loan and the demand letter was received after the first due date. Rate of interest is standard and the customer service needs improvement.
Initially, i was not interested to go with State bank of India as the process all would be slower but later then based on people's advice, i approached this bank for my home loan. The experience was totally different and i would say its fantastic. I was given a form, then submitted the documents and by 24th day i got my loan. The cost of taking the loan from this bank is also slower.
I had a very disappointing service with the Tata Capital Limited when i applied for the housing loan the processing and the documentation was a time taking and it was a very lengthy process and there was too much complication in the internal process and there are no SLA for any process they work on and it too four months for me to complete the whole process, i would say that they need to improve on the SLA and the customer service flexibility.
I really had a nice experience of availing a home loan from AXIS bank last month. Very simple & easy documentation and the process was completed within 2 weeks. Rate of interest is good however the processing fee was quite higher than other banks.
I am having AXIS bank housing loan . I can say it was just an average in service . It would be nice if they can talk nice and pleasant to customers in customer care. And they haven't provided the interest rates which has promised. Floating rates also should be more and more transparent. When I enquired about the charges they are not able to justify it. I have offered 9.25% initially and finally when it was 9.75% in initial month. And it drastically increased to 11.25% finally I closed that loan. Now I am taking 4 months to transfer this loan and took long time to get my documents. They should really work on their service towards charges and proper communications.
HDFC Home Loan is good, the operation process is very good they are constantly in touch with the customer and update customer every now and then and they are doing a very good job and they should continue doing the same job keep up the good work!
At least 21 years old
Less than 65 years old
Salaried / Self - Employed
with regular income
Earn more than the minimum
EMI limited to about 50%
of monthly income
Loan capped @ 75% - 85% on property value
EMIs of other loans lower
Make your spouse a co-applicant,
and her income will add
to your eligibility
Choose longer tenure loan up to 20 - 30 years
Alternatively add your parents
|Interest Rate (Monthly reducing balance)||13.49% - 34%|
|Loan Tenure||1 year to 5 years|
|Pre-closure Charges||2% - 5%|
|Guarantor Requirement||No guarantor required|