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  • Chandigarh Home Loan

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  • We found 39 Chandigarh Home Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    PA PL OTP
    8.40% - 8.50% Floating
    Up to 0.25% (Max. ₹25,000) + GST
    30L - 5Crs
    5-30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.65% - 10.35% Floating
    0% - 0.50% + Applicable Taxes One time fee
    5L - 10Crs
    3-30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.65%- 10.25% Floating
    0.50% to 2.00% One-Time Fee
    20L - 5Crs
    1-30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.40% - 8.85% Floating
    Up to 0.5% (max. ₹11,800) One time fee
    5L - 10Crs
    1-30 Years
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    8.99% Floating
    max. 1% on loan One time fee
    2L - 3Crs
    1-30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.55% - 9.25% Floating
    0.5% + GST
    12L - 5Crs
    1-20 Years (10 yrs plot loan)
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good To Know
    8.40% - 11.75%
    0.50% (min. ₹10,000) One time fee
    5L - 10Crs
    1-30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.45% - 8.95% Floating
    ₹ 10000+ taxes One time fee
    50L - 5Crs
    1 - 25 Years
    What you'll love
    Documents
    Perks
    Good to Know
    9.00% - 12.50% Floating
    upto 1% on loan amount One time fee
    20L - 10Crs
    1-30 Years
    What you'll love
    Documents
    Perks
    Think about
    Good to Know
    9.25% Floating
    0.50% (min. ₹10,000)
    1Cr - 5Crs
    1-20 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    7.30% - 7.55% Floating
    Up to 0.50% (max. ₹15,000) + GST One-time fee
    25L Min
    1-30 years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Eligibility Criteria
    9.25% - 11.20% FIXED
    Up to 0.5% One time fee
    2L - 3Crs
    1-30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know

    Chandigarh is a Union Territory and has the unique distinction of being the capital of two states; Punjab and Haryana.Chandigarh is home to three Governments, who are the biggest employers in the city. But there’s a lot more to the city today with IT parks opening new avenues for professionals here. There are many National and International businesses who have set up offices here and that has provided locals with exciting employment opportunities.

    Home loans, also known as mortgages, use the borrower's home for collateral. This home can be a single-family house up to a four-unit property, as well as a cooperative unit. Lenders fund home loans, but both the lenders themselves and brokers who act on behalf of the lenders originate, or process, them.


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

    01
    02
    03
    04
    Chandigarh Home Loan Minimum Age

    At least 21 years old

     Chandigarh Home Loan Maximum Age

    Less than 65 years old

    Chandigarh Home Loan Eligible Employment Type

    Salaried / Self-employed
    with regular income

    Chandigarh Home Loan Minimum Income

    Earn more than the minimum
    income required


    Your Chandigarh Home Loan amount eligibility is based on these factors

    01
    02
    03
    Chandigarh Home Loan Minimum Salary

    EMI limited to about 50%
    of monthly income

    Chandigarh Home Loan Maximum Loan to property value

    Loan capped @ 75% - 85% on property value

    Chandigarh Home Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Chandigarh Home Loan amount by these steps

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

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

    Chandigarh Home Loan Maximum Tenure

    Choose longer tenure loan up to 20 - 30 years

    Chandigarh Home Loan Add parents as Co-applicant

    Alternatively add your parents


    Documentation needed to apply for an Chandigarh Home Loan

    • 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

    Chandigarh Home Loan Interest RatesUpdated on 27 May 2020

    Chandigarh Home Loan Details
    Interest Rate (Monthly reducing balance) 10% - 10.5%
    Processing Fees 0.50% of Loan
    Loan Tenure 1 year to 20 - 30 years
    Partial pre-payment Charges Nil
    Pre-closure Charges Nil

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    Chandigarh Home Loan Reviews

    • ICICI Bank Home Loan
      "FRAUD BY ICICI BANK"
      0.5 0.5/5 "Unacceptable"
      I have taken home loan from ICICI Bank. My Instalment is of Rs 44,000/-. I lowered my Instalment Amount from Rs 44000/- to 34207/-. But Bank deducted Rs 44,000/- from my saving and adjusted Rs 34207/- and showing Rs 9793/- as excess received. Now the amount is Excess with Bank and Bank is demanding as 9.05% interest on my Principal Due including Rs 9793/- as excess deducted. I requested Bank to adjust my Excess deducted amount from my Principal Due from the date it was deducted from my account. Bank is refusing to adjust the same from the date it was deducted. I also requested Bank to refund my money back with interest, as i have to pay 9.05% interest on amount excess deducted. Bank is also refusing for same. No body knows, that how much bank is having excess amount like this, which they have excess deducted from the customer account and not refunding it back to customer and also demanding interest on them. It is one of the WORST BANK of INDIA. I request everyone to be careful.
      Was this review helpful? 6
      , chandigarh
      Reviewed on Jan 21, 2020
    • LIC Housing
      LIC Housing Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have taken Home Loan directly through LIC Housing Finance. The rate of interest was 8.5% and their processing fee was fine.This loan was sanctioned on time without any hassle .This was a paperless approval and this loan is still active .I have not undergone any issues so far .
      Was this review helpful? 3
      , chandigarh
      Reviewed on Jan 04, 2020
    • ICICI Bank Home Loan
      "Fast Loan"
      0.5 5.0/5 "Blown Away!"
      The process is simple hence i have chosen the Home loan from ICICI. It was done the loan in 7 days. So far i have taken the home loan 5 times in that 4 has been repaid and final one still going on. I bought the loan amount of Rs. 30 lakhs and the tenure period of 20 years. My previous loan was done a pre-closure one. They have charged me a pre-closure charges of 2 to 3% which is on higher side.
      Was this review helpful? 2
      , chandigarh
      Reviewed on Aug 17, 2019
    • IOB Home Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken a home loan in INDIAN OVERSEAS BANK on 2 years before which was applied directly to bank. The verification process was smooth and they have sanctioned the loan on time with sufficient amount for the tenure period of 30 years. The rate of interest and processing fee are nominal.
      Was this review helpful? 1
      , chandigarh
      Reviewed on Jul 26, 2019
    • HDFC Limited Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      No anyone person called me from HDFC when i applying for the home loan. But unfortunately, i got transfer from my location hence i was not interested in Housing loan. Because my account is in HDFC bank thats the reason i'm trying to get a loan from HDFC bank. HDFC bank service is very good.
      Was this review helpful? 3
      , chandigarh
      Reviewed on Jul 11, 2019
    • HDFC Limited Home Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied for HDFC Home Loan through Online .The agent gave all the required information about the loan process .There was no issues with rate of interest and the processing fee so far and also submitted documents as well .SInce notnselected the property cancelled the plan of taking loan .
      Was this review helpful? 0
      , chandigarh
      Reviewed on Jul 06, 2019
    • HDFC Limited Home Loan
      "Great Experience and Great services"
      0.5 5.0/5 "Blown Away!"
      I appreciate home loan department of HDFC Limited, the home loan service is very good than personal loan. I took the loan amount of Rs. 18 lakhs it was taken before 2.5 years, they charged me the interest around 8% it was satisfactory. The process was streamlined without any hassles. But some executives are not helpful to the customers, they should improve.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Jun 21, 2019
    • IIFL Home Loan
      "Fraudster/Cheater - Interest Rate is Too High"
      0.5 0.5/5 "Unacceptable"
      Please don't take any loan from IIFL. They all are Fraudster specially the Chandigarh branch office. One of the worst home loan. They charged 15% interest on home loan. The loan amount was 13 lakhs and the interest rate was very high compare to other banks. The tenure period was 20 years . The customer service and responses was also not proper here.
      Was this review helpful? 2
      , chandigarh
      Reviewed on May 29, 2019
    • SBI Home Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I have taken Home loan through State Bank Of India which i have directly applied ,The rate of interest and processing fee was very less ,The loan amount got sanctioned on time ,I have applied for the loan amount of 15lakhs for the tenure of 10years .The loan process was very smooth according to me .
      Was this review helpful? 5
      , chandigarh
      Reviewed on May 28, 2019
    • HDFC Limited Home Loan
      "Very Good Service"
      0.5 4.0/5 "Great!"
      The process in getting my Home Loan from HDFC LIMITED has been quite a good experience, where it was a quick process and the interest rate which they where offering has also been good. I would suggest that the documentation could be made more easy. The loan amount was sufficient and the processing fee has also been nominal.
      Was this review helpful? 0
      , chandigarh
      Reviewed on May 03, 2019
    • SBI Home Loan
      "Processing time is very longer"
      0.5 3.0/5 "Satisfactory"
      I belong to Haryana state and now I am working in Andhra Pradesh rite now . When I am decided to a balance transfer with SBI . They said it will take a very long in processing the loan . Though the interest rate is very less in SBI , I am not able to apply .
      Was this review helpful? 0
      , chandigarh
      Reviewed on May 02, 2019
    • LIC Housing Home Loan
      "Interest rate is very high"
      0.5 4.0/5 "Great!"
      LIC housing finance has provided me a loan when I required to buy a housing property . But the interest rate is very high to pay back for next 20 years . Being a middle class people , it is difficult for me . So I decided to go with the Balance transfer in private bank .
      Was this review helpful? 1
      , chandigarh
      Reviewed on May 02, 2019
    • HDFC Limited Home Loan
      "Very fast in their process"
      0.5 5.0/5 "Blown Away!"
      Actually , I am holding a savings account in Public sector bank . But I chosen the HDFC bank is mainly for the processing speed . Process has been completed very fast and I got the amount what I was expected . Their interest rate and processing fees were reasonable .
      Was this review helpful? 0
      , chandigarh
      Reviewed on May 02, 2019
    • ICICI Bank Home Loan
      "Good Service Provider"
      0.5 4.5/5 "Excellent!"
      Till now I haven't faced any issue with ICICI home loan, I have taken the principal amount of Rs.28 lakhs based on the property they sanctioned the amount. Interest rate was nominal but I didn't consider it, I done physical documents by meeting the person it got the real value rather submitting in online.
      Was this review helpful? 0
      , chandigarh
      Reviewed on May 02, 2019
    • Indiabulls Home Loan
      "Should provide prompt service and response"
      0.5 3.5/5 "Pretty good"
      I closed India bulls home loan they are not responding prompt that is the reason I switched over to other bank. I took the loan amount of Rs. 65 lakhs for the tenure of 25 years. I would suggest they should provide proper response to the customer. The process was not streamlined they changed the paper without my consideration.
      Was this review helpful? 0
      , chandigarh
      Reviewed on May 02, 2019
    • HDFC Limited Home Loan
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      HDFC Limited home loan process took some time but the everything was satisfactory. I have taken the principal amount of Rs. 70 lakhs for the duration of 15 years. Its my top up plan with HDFC limited I believe the interest rate was nominal for me.
      Was this review helpful? 0
      , chandigarh
      Reviewed on May 02, 2019
    • HDFC Limited Home Loan
      "Terms and condition to be very clear"
      0.5 3.0/5 "Satisfactory"
      In HDFC , they given me only 50 % of the expected amount as a housing loan . For this amount they had taken almost one month for sanctioning the loan . They taken a very high processing fees and some charges for legal purpose were charges . Initially , they didn't give me the correct information of the Terms and condition .
      Was this review helpful? 0
      , chandigarh
      Reviewed on Apr 28, 2019
    • SBI Home Loan
      "Good "
      0.5 4.0/5 "Great!"
      Since am having a savings account in SBI got an offer to get home loan from SBI bank, i have applied for 10Lakhs but it took for a long time to get for an approval for the loan process, mean while rate of interest is normal and processing fee is normal. Overall is good.
      Was this review helpful? 2
      , chandigarh
      Reviewed on Apr 24, 2019
    • HDFC Limited Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My home loan was taken with HDFC ltd . The charges are very high with this bank and the rate of interest is not same what they said before. While getting the loan process was smooth but there was two days delay in getting the loan i was expecting early . The tenure period is 20 years.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Jan 27, 2019
    • SBI Home Loan
      "Good Experience"
      0.5 4.0/5 "Great!"
      My home loan experience was satisfactory, but they collected too much of documentation from my end for the loan approval. According to the interest and trust is good, meanwhile they need to avoid collecting unnecessary documents. I took the amount around Rs. 11 lakhs for the tenure of 10 years, I done the foreclosure without any charges.
      Was this review helpful? 2
      , chandigarh
      Reviewed on Jan 25, 2019
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