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SBI Home Loan

SBI Home Loan
 3.5 / 5.0   by 196 users
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Fees & Charges

Promised Interest Rate

Customer Service

Responsiveness

State Bank of India (SBI), the world’s largest bank, has many home loan schemes tailored to the needs of customers including SBI Maxgain, SBI Realty, SBI Home Plus & NRI Home Loans. Some of the advantages of an SBI housing loan are low interest rates with interest on daily reducing balance, low processing fees, no hidden cost & no administrative charges, plus zero prepayment penalties. View more details about SBI home loan below.


You’re probably eligible for an SBI Home Loan if you are

01
02
03
04
SBI Home Loan Minimum Age

At least 18 years old

 SBI Home Loan Maximum Age

Less than 70 years old

SBI Home Loan Eligible Employment Type

Salaried / Self-employed
with regular income

SBI Home Loan Minimum Income

Earn more than the minimum
income required


Your SBI Home Loan amount eligibility is based on these factors

01
02
03
SBI Home Loan Minimum Salary

EMI limited to about 50%
of monthly income

SBI Home Loan Maximum Loan to property value

Loan capped @ 75% to 80%
of property value

SBI Home Loan EMI

EMIs of other loans lower
your eligibility


Increase your eligible SBI Home Loan amount by these steps

01
02
03
SBI Home Loan Add Spouse as Co-applicant

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

SBI Home Loan Maximum Tenure

Choose longer tenure loan up to 30 years

SBI Home Loan Add parents as Co-applicant

Alternatively add your parents


Documentation needed to apply for an SBI Home Loan

  • 1. Signed application form with photograph
  • 2. ID and residence proof
  • 3. Processing fee cheque
  • 4. Last 6 months bank statements
  • 5. Documentation for salaried applicants:
    • Last 3 months salary-slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:

    • Education qualification certificate & proof of business existence
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

SBI Home Loan Interest RatesUpdated on 06 Mar 2015

SBI Home Loan Details
Interest Rate (Floating) For women - 10.10%
For others - 10.15%
Processing Fees No processing charges(Limited Period Offer)
Loan Tenure 30 years
Pre-closure Charges Nil

Overview of SBI:

State Bank of India (SBI) is a government owned banking and financial service organization. The bank is headquartered in Mumbai and is the largest banking institution of India in terms of assets. The bank has a massive presence in the country with over 17,000 branches spread across the nation’s length and breadth. Not only this, the bank has a huge international presence too with branches in over 34 countries of the world. SBI caters to a large base of individual and corporate clients and has operations in the fields of personal banking, investment banking, corporate banking, asset management and so on.

SBI Home Loans:

State Bank of India provides a range of home loan products to suit the individual needs and preferences of its customers. Various surveys and consumer awards have conferred the title of ‘The most preferred Home Loan Provider’, to SBI. Low interest rates, flexible payment options and zero hidden charges are some of the features that lend to the popularity of SBI home loans.

With thousands of branches spread across various geographical locations has made SBI one of the most accessible banks to obtain a loan from.

Why apply for a SBI Home Loan through BankBazaar?

Applying for a home loan can sometimes become a great hassle if you do not have all the information required to choose the correct option. Since SBI offers a host of home loan schemes, opting for the best-suited and most applicable scheme can become a massive task. BankBazaar provides you with all the right information required to obtain a loan. Not only this, BankBazaar also helps you in asking the right questions, calculating your EMIs (through online calculators) and in comparing the rates of different home loan schemes.

SBI Home Loan Schemes:

SBI offers a wide range of home loan products to its customers. You can choose the best home loan scheme that suits your budget and requirement. SBI home loans come with exclusive packages and benefits to cater to the home finance needs of all its customers. Following are some of the home loan options available from SBI.

  • SBI MaxGain Home Loan:
  • The SBI MaxGain home loan aims to enable its customers to reduce their interest burden at no extra cost. This home loan acts as an overdraft account too, giving the customer privilege to withdraw and deposit amounts depending upon their cash availability. Bank provides internet banking and cheque book facility with this home loan. Excess funds when parked with this account impact the overall principal and the associated interest. Also, a customer can choose to withdraw amount from the linked account in case of excess parked funds.


    Features:
    • Min. Loan Amount – 5 lacs
    • Max. Loan Amount – No upper limit
    • Interest Rate – 0.25% over and above the existing home loan interest
    • Higher Liquidity, Savings on total interest paid
    • Pre-closure Charges - Nil
    • Interest Rate – Floating 10.15%

  • SBI Yuva Home Loan
  • This SBI home loan is tailored especially for individuals who are young and generally taking loan for their first home. The age eligibility is between 21-45 years. This loan grants an amount which is 20% over and above the regular loan amount. This home loan is ideal for fresh professionals and government employees. Under this scheme the home loan full repayment starts only after 36 month from the date of availing the loan. For the first 36 months only interest needs to be repaid.


    Features:
    • Eligibility – 21-45 years
    • Minimum Income – Rs.30,000 per month
    • Pre-closure Charges - Nil
    • Interest Rate – Floating 10.15%

  • SBI NRI Home Loan
  • As the name itself suggests, the NRI loan is tailored for Non-Resident Indians (NRIs) and for People of Indian Origin (PIOs). This loan is given to an individual who earns a regular income and whose minimum employment period (in India or abroad) is not be less than 2 years.


    Features:
    • Min. Loan Amount – 3 lacs
    • Max. Loan Amount – No upper limit
    • Eligibility – NRI or PIO
    • Pre-closure Charges - Nil
    • Interest Rate – Floating 10.15%

  • SBI Realty:
  • This SBI loan is for people who want to buy land or plot. The construction should commence within 2 years from the sanction date of the loan. This type of loan comes with the flexibility of availing another loan for construction purposes on the land bought. So a customer is entitled to avail two simultaneous loans on the SBI realty home loan.


    Features:
    • Max. Loan Amount – 15 crores
    • Loan Tenure – Up to 15 years
    • Pre-closure Charges - Nil
    • Interest Rate – Floating 10.15%

  • SBI PAL
  • This is a Pre-Approved Home Loan from State Bank of India. This loan does not depend upon the property to be bought. SBI grants its customers the freedom to avail the loan amount before deciding upon the property. This gives customers the needed confidence to negotiate boldly with builders/sellers regarding the price of the property.


    Features:
    • Eligibility – Depends on the annual income of the applicant
    • Tenure – Pre-Approved Letter of arrangement is valid for a period of 4 months
    • Min Loan Amount – 10 Lacs
    • Max Loan Amount – No upper limit
    • Pre-closure Charges - Nil
    • Interest Rate – Floating 10.15%

  • Her Ghar Home Loan:
  • This is a home loan scheme designed especially for women applicants. A woman needs to be the sole applicant or the primary applicant for this type of home loan. Also, the property for which home loan is being taken should be in the name of the woman applicant or she should be the primary owner in case it of joint ownership. This home loan scheme by SBI aims at enabling women to own property and carries a social obligation in line with the empowerment of women.


    Features:
    • Loan Tenure – 30 years
    • Interest Rate – 10.10%
    • Pre-Payment Charges - Nil

More Housing Loans from SBI:

Apart from the above listed regular home loan schemes by State Bank of India, there are several other options also which aim to uplift people from tribal and village areas of the nation. These schemes are in line with the organization’s commitment towards comprehensive nation building.

Here are a few such housing schemes offered by SBI-

  • SBI Tribal Plus:
  • This housing loan from SBI is meant for customers who are from tribal areas or hilly regions where mortgage of property is not available. The loan is provided for construction of a new house or flat and for purchase of a new house. Under this scheme SBI also provides an option of taking loan for the purpose of renovation or repair.


    Features:
    • Min. Amount – nil
    • Max. Amount- 10 lacs
    • Repayment Period – up to 15 years

  • GRAM NIWAS:
  • The Gram Niwas scheme from State Bank of India is aimed at providing housing finance to the customers from rural regions of the nation. This housing plan covers people from rural or semi-urban regions which have a population of less than 50,000 as per the 2001 census. Under this scheme, home loans can be availed for buying of land or house, renovation and repair of house and construction of house.


    Features:
    • Min. Amount – nil
    • Max. Amount- 5 lacs
    • Repayment Period – up to 15 years

  • SAHYOG NIWAS:
  • Sahyog Niwas scheme aims to provide home loans to self-help groups which have a good credit history. The bank lends to members of these groups under this scheme for purposes of buying of land or house and construction, repair or renovation.


    Features:
    • Min. Amount – nil
    • Max. Amount- 50,000 per person of the self-help group

Significant Features of SBI Home Loans:

  • Lower interest rates as compared to other contemporary banks
  • Low processing fees
  • No hidden charges or administration fees
  • Nil pre-closure charges making repayment easier and more flexible
  • A huge network of branches across the nation making it convenient to visit a SBI branch
  • Exclusive packages depending upon individual needs of customers
  • Interest is calculated on daily reducing basis which lowers the overall interest paid

Documents required applicable to all loan seekers:

  • Duly filled loan application
  • 3 passport-size photographs
  • Identity Proof (Voter ID Card/Passport/Driving License/Pan Card)
  • Proof of Residence (Current Address Proof)
  • Bank Statement for last 6 months
  • Personal assets and liabilities declaration
  • Proof of property
  • Income Tax Proofs (If required)
  • Signature Identification from present banker

Documents required for Guarantor:

  • Assets and liabilities Statement
  • 2 passport-size photographs
  • Identity Proof
  • Address Proof
  • Signature Identification from present banker

FAQ Section:

Frequently asked questions about SBI Home Loan.


How can I decide which SBI home loan fits my requirement?

BankBazaar gives you the option of comparing home loan schemes and an online EMI calculator to help you plan your finances well in advance before availing a home loan.


What are the various interest rates offered on home loans?

Interest rates vary with respect to their floating or fixed nature. Generally, foating home loan rates vary between 10-12.5% and fixed vary from 11.25-14%. This also depends upon the lender bank. SBI offers floating interest rates between 10.35-10.40%.


What is the processing fee charged by SBI for home loans?

SBI charges a low processing fee for its home loans. 0.25% of the loan amount is charged. The amount can be anywhere between Rs.1,000 to Rs.10,000.


Can I pay off my SBI home loan earlier than the initial tenure?

Yes. You can pay off your SBI home loan earlier too, without a pre-payment penalty fee.


Is there any security required for the SBI home loan?

Usually, the property that is purchased using the loan serves as the security. In some cases it is at bank’s discretion to ask for additional securities like insurance policies, fixed deposits etc.


Is a guarantor required to sign my loan application?

Yes. A guarantor with all the valid and required documents need to sign your loan application.


What kind of job makes me eligible for SBI home loan?

You can either be a salaried employee or self-employed for obtaining this loan. However, the only condition is that you should be earning a regular income and should be able to furnish proofs of the same.


Can joint-applications be made for SBI Home Loans?

Yes. Joint applicants are welcome at SBI.


Are there any tax benefits associated with SBI home loan?

Yes. Tax rebate under section 80C of the Income Tax Act is applicable.


Are long-term home loans beneficial or short-term loans?

Long-term loans are beneficial in giving you the option and comfort of lower EMIs, however, short-term loans mean higher EMIs but lesser interest. A borrower can choose the option depending upon his financial status.


How long does it take for my loan to get sanctioned?

If all the required documents are in place then your SBI home loan can be sanctioned in a few days.


Where can I apply for SBI home loan?

With a network of over 17000 branches in India, SBI home loans can be applied at any of your nearest bank branch.

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News about SBI Home Loan

  • SBI Suggests Tax Benefit Schemes
    for Home Loans Ahead of the
    Union Budget

    State Bank of India (SBI), country’s largest lender when it comes to home loans, wants the upper limit for tax subsidy to be increased from Rs.15 lakhs to Rs.25 lakhs. SBI has also suggested higher tax benefits for home loans in order to target “Housing for All” by 2022.


    In its wish list for the budget, SBI also wants statutory deduction for stamp duty and registration charges while computing income tax. For recovery of principal component of home loan, SBI has also suggested that the government provide additional deduction of Rs.50,000 above the current limit of Rs.1.5 lakhs. SBI wants the cost of the house to be increased from Rs.25 lakhs to Rs.30 lakhs to be eligible for subvention in the metros. SBI also stressed on the fact that the government should seriously consider bringing housing loan for first-time applicants under overall priority sector ambit. It is worth noting that SBI’s loan book has showed a growth of 13% year-on-year.

    2nd March 2015

  • SBI beats private
    competitors;biggest distributor
    of Home Loans in the country!

    State Bank of India has become the largest player in retail banking with current sanctions of over 800 home loans every day with average sanctions of Rs.150 crores daily.


    The total Home loan outstanding grew by about 4403 crores from the first quarter of financial year 2014-2015 to the third penultimate quarter. The racy pick-up in home loan product has also come as a result of 1405 residential projects where SBI has obtained single title clearance.


    Second in the race of home loan sanctions is, the private player HDFC with loans amounting to Rs.145300 crore in the last quarter. This is closely followed by LIC Housing Finance with Rs.95310 crore as home loan outstanding as against Rs.79255 crores for ICICI, the fourth largest player in the home finance segment.


    The competition is tough and cut-throat because of similar rates offered by all the top banks. The rate offered by these banks is 10.15% for general and 10.10% for women. Sensing the close competition, SBI has deployed more workforce to popularize its home loans.


    As per a study, mortgage penetration in the country is still a meagre 9% of the national GDP as compared to a high 81% and 69% in the UK and the US. This leaves a huge untapped demand that can be leveraged by SBI with its wide network of branches.


    5th February 2015

  • SBI to Enlist Ex-Employees
    to Monitor Loans

    India’s largest public sector bank, the State Bank of India (SBI), is in talks with ex-employees who recently retired from the bank to draw on their expertise to monitor loan accounts and train existing employees. These ex-employees will be recruited on a contract-basis for short periods of time.


    The expected outcome of this move is to improve the quality of credit, reduce deviations and positively influence skills of existing/new employees.


    This move comes in the wake of increased emphasis on compliance and quality asset creation as well as tougher competition from peers in the private sector.


    As a result of these initiatives, the bank hopes to see a positive impact on its loan business. SBI hopes to improve home loan sales by channeling its products across all its network branches, even beyond its banking vertical.


    To this effect, SBI will source home loan customers through its other verticals as well such as insurance and mutual funds.

    8th January 2015

  • SBI Home Loans See Good Numbers

    The State Bank of India’s recent move to waive processing fees as part of its festive offer has proved beneficial. The country’s largest lender saw a rise in home loan numbers and is expecting a further increase. It hopes to achieve disbursals in the range of Rs.200 crores per day.


    While this may be an optimistic number, it may soon become a reality considering that this PSU bank’s current home loan disbursals are at Rs.188 crores per day. This represents a 14% year-on-year growth.


    A majority of business is coming in from loan categories below Rs.50 lakhs.This has underscored the need for the bank to focus on higher value loans which will increase profitability, particularly the over Rs.75 lakh category.


    This increase in retail loan disbursals spells good news for credit growth numbers for the bank given the lows the banking sector has been facing in recent times. Banks have been trying to boost sales on retail loans in a bid to shadow the poor credit uptake from the corporate segment. Home and auto loans make up a large part of most banks’ retail lending portfolio.

    27th October 2014


SBI Home Loan Reviews

85 % of our customers would recommend this bank. (167 out of 196) Write Review
Customer Reviews
Page 1 of 10 1 2 3 4 5
  • (0)

    I have a home loan from State Bank of India. In terms of customer service I am not really satisfied as I donâ??t think there is a separate customer service department. Normally I send emails for my queries. I donâ??t get a proper response and after which I have to send 4 to 5 emails. I opted for SBI as it a pure Indian Bank and I get a secured feel. There is regular updation on the interest rates as other private bank fails to do. Documentation part is hectic as I had to visit the banks for nearly 5 times to submit the documents and the loan to get sanctioned.

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    ramesh took a Home Loan from STATE BANK OF INDIA Reviewed on
  • Validated User
    (0)

    The response provided by the State Bank Of India was quick for the Home loan which I have taken. The documentation process was upto the mark and I didn't face any difficulties except for the time taken to approve the loan. My loan was disbursed within a single meet and they contacted me on time and the customer service provided by them is good. I took home loan from SBI as it is a approved bank for home projects.

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    ramesh took a Home Loan from STATE BANK OF INDIA Reviewed on
  • Validated User
    (0)

    SBI is completely loyal but loan amount is very less as they sanction only 75 to 80%. SBI have their fixed norms so no one can involve in that. Interest rate is low for home loan and they decrease the interest rate incase rate comes down in the market. Charges are very high in SBI because they provided life insurance and home insurance along with this home loan. Suggesting SBI to minimize the processing time and they have send proper status of the application in timely manner. Customer service is worst in SBI so they have to learn such things from other banks.

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    sachin took a Home Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • Validated User
    (1)

    I have a home loan from State Bank of India. In terms of customer service I am not really satisfied as I donâ??t think there is a separate customer service department. Normally I send emails for my queries. I donâ??t get a proper response and after which I have to send 4 to 5 emails. I opted for SBI as it a pure Indian Bank and I get a secured feel. There is regular updation on the interest rates as other private bank fails to do. Documentation part is hectic as I had to visit the banks for nearly 5 times to submit the documents and the loan to get sanctioned.

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    dipesh took a Home Loan from STATE BANK OF INDIA Reviewed on
  • (3)

    Please do not apply from SBI. Their service is very very poor. The will take the documentation charges and legal charges before approval, but other bank doesn't do. And its is difficult to get approval. Lots of documents required to submit(even it is not required). Again depends on legal officer as they are giving to third party for verification, hence there are chances if we give bribe to them, they can approve. Please do not promote these. Ofcourse SBI's interest rate is low, but we will lose that amount in other way. When i approached other nationalized bank. They given very good service and approved in 10-15 days.

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    rinoop took a Home Loan from STATE BANK OF INDIA Reviewed on
  • (1)

    I transferred my home loan from ICICI Bank to SBI because ICICI interest rate kept on going upward and it never came down inspite of RBI reducing the rates. When i transferred my loan to SBI the number of years & principal amount payment was drastically reduced by paying same amount of EMI. Also loan processed and transferred by SBI was in flat 12 days which one can never expect from Govt Bank. So however appealing & you are charmed by Private banks in interest rate or services never get trapped in it & always go for Govt bank for Home loan

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    prashant took a Home Loan from STATE BANK OF INDIA Reviewed on
  • Validated User
    (4)

    The tenor of my home loan is for 25 years and the interest rate 10.25% is floating for the whole period. Processing charge is minimal and can do partial payment at any period of time. There was a delay in processing my loan amount thus suggesting SBI to speed up the process as in my case they took one and half months.

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    lokesh took a Home Loan from STATE BANK OF INDIA Reviewed on
  • Validated User
    (2)

    It was very easier to avail home loan from State bank of India. As well as there was some reduction in interest rate due to some offer at that point of time. Processing was very simple and customer service team was pretty much helpful in completing all formalities.

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    shveta took a Home Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • Validated User
    (2)

    With State bank of India, experience is quite ok as the processing time is too lengthy and that is the drawback. Services is too good and there are no issues and its hassle free process. Interest rate is 10.15% with nil pre closure charges.It would be better if the processing time could be made faster.

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    pravin took a Home Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • Validated User
    (3)

    The deal I got it from State bank of India is very good and that was the main reason in availing home loan. They also provides option of balance transfer in quite attractive manner. Rate of interest is quite the same.

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    ganapati took a Home Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Personal experience with State bank of India is good. Their procedures, documentation is all nominal like other private banks, however the disbursement differs as it takes time. It is 10.05% interest rate charged which is competitive.

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    vijay took a Home Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • Validated User
    (3)

    The reason why I have chosen SBI for the housing loan is because they are transparent. Documentation process was very smooth . They took less days to process my loan. I applied online for this housing loan and they contacted me within 2 days. Interest rate offered by them was 10.15% which is lesser than ICICI.

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    deepak took a Home Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • Validated User
    (4)

    State bank of India did offer Maxi gain home loan which is additional benefit. There are no hidden charges and they are totally transparent. In this bank, Maxi gain is nothing but the rate of interest would be same as well as loan amount would be same.

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    m took a Home Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • Good
    https://cdn1.bankbazaar.com/images/customer_review/default-unknown-person.png
    , bangalore
    Recommend Recommended by user
    Validated User
    (2)

    SBI services in terms of home loan was good. It was hassle free processing and even documentation was pretty much ok. The charges was all quite reasonable and which was charged at the end of disbursal.

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    shivaraya took a Home Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • Validated User
    (1)

    The services are satisfactory when I applied for a home loan in State bank of India. The also responded satisfactorily. The rate of interest was 10.15% and as I had a salary account I applied for the loan. There is no processing fees and the customer support is good. They informed that the loan will be provided within a monthâ??s time which is good.

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    aman took a Home Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • (2)

    Hi, I had taken a HL from SBI and I am very satisfied with the service till now. Initially, they took more time for verification/title-clear, but later on I found that there verification is on of the most stringent. It means that any illegal land/property will not get loan approval. Even the customer service has improved a lot in past few years.

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    vaibhav took a Home Loan from STATE BANK OF INDIA Reviewed on
  • Validated User
    (1)

    Services is good however for receiving provisional certificate for tax benefits, need to visit the State Bank of India branch and submit the application which is hectic process. Other than this, there was no issues in terms of my home loan.

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    sambhaji took a Home Loan from STATE BANK OF INDIA Reviewed on
  • Validated User
    (2)

    I am holding a housing loan with SBI. It is quite professional and they have helped me a lot. They are quite flexible as well. I spoke with the Manager in person she is a very good lady and she is very much supportive. Even when she was on a holiday, she still called me and followed up with the executive. I only went to the Branch for signing the documents it only took 3 days of time.

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    jitendra took a Home Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • Validated User
    (0)

    My home loan got sanctioned in the month of October with State bank of India. I didn't face any difficulties in terms of processing and disbursal. They had charged lesser than other banks which is good. Executive who was assigned was not much approachable or responsive which is disappointing.

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    satya took a Home Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • Validated User
    (0)

    One of my friend has suggested me to take housing loan with SBI. SBI has got its own brand name so I blindly placed my trust in SBI and I have taken a housing loan with SBI. Off course, they have asked for many documents its still fine because builder requires such documents and it is collected for customer well being. So that the customer would be affected in the future.

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    jeetendra took a Home Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
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