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User reviews
  • 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.

    VINAY DABAS, delhi
    2.5/5 "Just OK"
  • I am happy with ICICI as they have offered me a home loan their interest rate is excellent I have taken fixed interest rate for 2 years and post which it will move to variable interest rate which none of the other Bank does, the sales executive does not have a sound knowledge as he missed to take my signature once and he came back to get the signature from me its ok still manageable.

    PRAVEEN KUMAR, bangalore
    2.5/5 "Just OK"
  • I am overall satisfied with the housing loan with the Axis Bank the processing and the documentation was very easy and the customer service executive Mr Manish who took the initiative in completing the process in very quick time and the whole process got completed in ten days. The bank bazaar web site i had a great experience and it was very easy access the customer service executive are very quick in respond they are excellent.

    2.5/5 "Just OK"
  • I applied for the housing loan from the Canara Bank the processing and the documentation was very transparent and the customer service executives was guiding me in completing the process and the whole process got completed in one month and the EMI was affordable.

    MANOHARA K P , bangalore
    2.5/5 "Just OK"
  • AXIS bank home loan processing was quite good. It took around 1 week for processing and all the documentation, verification was taken care by the executive who supported and guided, communicated well. He came to my office and collected all documents and i would surely appreciate the bank executive. I would tell them to maintain their consistency and all the on line information was good.

    2.5/5 "Just OK"
  • 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!

    PRAMOD SAVANOOR, bangalore
    4.5/5 "Excellent!"
  • I had a very disappointing service when i applied for the housing loan from HDFC Limited the processing and the documentation was good at the initial period and they ask for some more documents at the end moments and the response was not good and it took one month to get completed but the best part is that as soon the documentation is done the disbursement was done in very quick time , the EMI was affordable.

    4.5/5 "Excellent!"
  • I applied for the housing loan from Axis Bank the processing and the documentation was very good an the customer service executive Mr Karthikeyan who took the initiative and guided me in completing the process and the whole process got completed in twenty days and the EMI was affordable.

    MADASAMY RAJA, chennai
    4.5/5 "Excellent!"
  • Bank of Baroda Home Loan, best thing is initially they told what are documents required, approval process took in just 15 days, loan process is easy, satisfied with interest rate there is no processing and hidden charges, response was really nice i am fully satisfied with service.

    4.5/5 "Excellent!"
  • It was a good experience of availing a home loan from SBI last month. I didn't face any difficulty in availing a loan because of my friend who is an employee of SBI helped me to complete the loan process smoothly. Quite easy documentation and the processing time was just 10 -15 days. Best part is the rate of interest offered to me was very good compared to other banks.

    4.5/5 "Excellent!"
  • Initially I have taken a loan for 15 years and they changed my tenure without any notice the interest rate was changed from fixed to floating rate without any notice and I tried to call them but there is no response from them for quite some time even after 15 days time I have heard from them hoping to get a positive response from them.

    NARAYAN SHETTY, bangalore
    2.0/5 "Expected more"
  • HDFC Home loan is very good they processed the loan very well, they collected the documents and it got delayed it took more than 1 month to process my request its time consuming and if they provide any other alternative number of the executive it will really good, and it will be really easy to contact them and I have no suggestions for them.

    2.0/5 "Expected more"
  • I applied for the housing loan from Axis Bank i would say that the initial process was very good but it took too long time and every week they came up with some issue asking for new documents and the customer service executive are not flexible to the customers need and the whole process got completed in one and half month that was really a disappointing service.

    BOBBY SHOBAN PAIS, bangalore
    2.0/5 "Expected more"
  • I am holding home loan in HDFC where I got immediate response from them after taking the loan. I feel they provide good interest rates for me. Customer service was really working very well, whenever I am call the toll free they provide the correct information. I get reminder call alert for my EMI amount to be paid and also for the balance maintenance in my other current account with other bank. Whatever request I am placing they give clear picture on time. I am really satisfied and so happy to have relationship with HDFC LTD.

    2.0/5 "Expected more"
  • I am quite happy that my home loan has been approved by ICICI bank as of today and I may get the loan amount in couple of days. Documentation & verification process went smooth and the loan was approved within just 4 days. I think the rate of interest is good compared to other banks. Customer service is good & prompt. Website is brilliant and the follow up is pretty good.

    2.0/5 "Expected more"
  • I was very keen to take a home loan from SBI as their interest rates are low, but later I dropped the plan of taking a home loan as their executives are ready to come to my place to collect the documents and I have to go all the way to the Branch to do is and the Branch staff does not have a clear picture about verification also and hence I am was not that interested with SBI

    PRAVEEN KUMAR, bangalore
    2.0/5 "Expected more"
  • I applied for the housing loan with standard chartered bank i had a very disappointing service with this bank on the customer service there was no propers response from them and the customer service executives need to be educated more on the how to handle customers the overall banking service needs to be improved.

    2.0/5 "Expected more"
  • Axis Bank housing loan the processing and the documentation was very easy and it was very transparent and Mr Darshan who helped me in completing the process and the whole process got completed in twenty days and little disappointing thing is that the processing fee was little high and schedule repayment chart is not yet been delivered from the bank.

    2.0/5 "Expected more"
  • I have recently availed a home loan from IDBI bank in the month of Mar'2014. It was really good banking with IDBI and representative who met me for collecting the documents was really helpful in guiding me to complete the loan process. Processing time was just 15 days and the rate of interest offered to me was absolutely lesser than other banks. Best part is there was no processing fees.

    RAMAN TAYAL, delhi
    2.0/5 "Expected more"
  • Had a very nice experience of applying a home loan with HDFC bank and my loan was disbursed in the month of Apr'2014. Everything was clear and very easy documentation. Processing time earlier was very high but now they took around 9 days only. Best part is the branch is very close to my house hence very convenient. Rate of interest is quite similar to other banks and must be reduced a little bit.

    SOHAN BHOGLE, mumbai
    2.0/5 "Expected more"
BankBazaar Home Loan is Rated as "Great!" by 783 Users
 4.0 / 5.0   by 783 users
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You're probably eligible for a Home Loan if you are

Home Loan Minimum Age

At least 21 years old

Home Loan Maximum Age

Less than 65 years old

Home Loan Eligible Employment Type

Salaried / Self - Employed
with regular income

Home Loan Minimum Income

Earn more than the minimum
income required

Your Home Loan amount eligibility is based on these factors

Home Loan Minimum Salary

EMI limited to about 50%
of monthly income

Home Loan Maximum Loan Funded

Loan capped @ 75% - 85% on property value

Home Loan EMI

EMIs of other loans lower
your eligibility

Increase your eligible Bangalore Home Loan amount by these steps

Bangalore Home Loan Add Spouse as Co-applicant

Make your spouse a co-applicant,
and her income will add
to your eligibility

Bangalore Home Loan Maximum Tenure

Choose longer tenure loan up to 20 - 30 years

Bangalore Home Loan Add parents as Co-applicant

Alternatively add your parents

Documentation needed to apply for an Home Loan

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 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 23 Jul 2014

Home Loan Details
Interest Rate (Monthly reducing balance) 13.49% - 34%
Processing Fees 0.5-2.5%
Loan Tenure 1 year to 5 years
Pre-closure Charges 2% - 5%
Guarantor Requirement No guarantor required

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Why Apply Online
Preferred over builder

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