A "low interest" loan shouldn't mean you have very little interest in paying it back!
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    We found 37 Cochin Home Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    9.0% - 9.50% Floating
    Up to 0.50% (min. ₹10,000 + GST) One time fee
    8L Min
    1-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher
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    8.90% - 9.10% Floating
    0.25% (max. ₹11,800) One time fee
    5L - 10Crs
    3-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher 100% PAPERLESS APPROVAL
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    8.90% Floating
    10000+GST One time fee
    -
    1-20 Years
    Response Time : Within 30 minutes
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    Perks
    Fees & Charges
    Good to Know
    8.80% - 9.05% Floating
    Up to 0.5% (max. ₹11,800) One time fee
    5L - 10Crs
    1-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher
    What you'll love
    Documents
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    Fees & Charges
    Good to Know
    8.75% - 11.0% Floating
    Up to 0.5% One time fee
    2L - 3Crs
    1-30 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.90% - 9.55% Floating
    0.50% PF (For Salaried) to 1%(min.3000)+Tax (for Self employed)
    12L - 5Crs
    1-20 Years (10 yrs plot loan)
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher
    What you'll love
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    Perks
    Fees & Charges
    Good To Know
    8.80% - 11.75% Fixed/Floating
    0.50% (min. ₹10,000) One time fee
    5L - 10Crs
    1-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    9% Floating
    ₹ 10000+ taxes One time fee
    50L - 5Crs
    1 - 25 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher
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    Perks
    Good to Know
    8.55% - 8.99% Floating
    ₹5,000 to ₹10,000 + applicable tax One time fee
    20L - 10Crs
    1-30 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Think about
    Good to Know
    8.85% - 9.05% Floating
    0.25% (max. ₹11,800) One time fee
    5L - 10Crs
    3-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher 100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    9.25% Floating
    0.50% (min. ₹10,000)
    1Cr - 5Crs
    1-20 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher
    What you'll love
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    Perks
    Fees & Charges
    Good to Know
    9.25% - 11.20% FIXED
    Up to 0.5% One time fee
    2L - 3Crs
    1-30 Years
    Response Time : Within 30 minutes
    What you'll love
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    Perks
    Fees & Charges
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  • Cochin Home Loan is Rated as "Great!" by 114 Users

    Fees & Charges

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    Home Loan BYTES FROM OUR KITCHEN

    Cochin Home Loan

    Kochi or Cochin is an important port city located on the western coastline of India, along the fringes of the Arabian Sea.On the same note, it is often informally called the ‘Gateway to Kerala’ and taken to be the point to begin the exploration of the deep and profound beauty of the state.

    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 Cochin Home Loan if you are

    01
    02
    03
    04
    Cochin Home Loan Minimum Age

    At least 21 years old

     Cochin Home Loan Maximum Age

    Less than 65 years old

    Cochin Home Loan Eligible Employment Type

    Salaried / Self-employed
    with regular income

    Cochin Home Loan Minimum Income

    Earn more than the minimum
    income required


    Your Cochin Home Loan amount eligibility is based on these factors

    01
    02
    03
    Cochin Home Loan Minimum Salary

    EMI limited to about 50%
    of monthly income

    Cochin Home Loan Maximum Loan to property value

    Loan capped @ 75% - 85% on property value

    Cochin Home Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Cochin Home Loan amount by these steps

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

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

    Cochin Home Loan Maximum Tenure

    Choose longer tenure loan up to 20 - 30 years

    Cochin Home Loan Add parents as Co-applicant

    Alternatively add your parents


    Documentation needed to apply for an Cochin 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

    Cochin Home Loan Interest RatesUpdated on 15 Nov 2018

    Cochin 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

    Cochin Home Loan Reviews

    • HDFC Limited Home Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have taken a home loan with HDFC LTD and my experience was good, the loan amount was for Rs 28 lacs with nominal interest rate when compared to others. Customer service was good and they followed up on time The tenure period for this loan is 15 years.
      Was this review helpful? 4
      , kochi
      Reviewed on Oct 11, 2018
    • Bank Bazaar Home Loan
      "Satisfactory"
      0.5 4.0/5 "Great!"
      BANK BAZAAR is a good platform for all the financial products, The customer service and responses was very good.This is my first experience and the mobile application is amazing . The web portal's accuracy is very good so its recommendable.
      Was this review helpful? 1
      , kochi
      Reviewed on Sep 22, 2018
    • HDFC Limited Home Loan
      "S"
      0.5 4.0/5 "Great!"
      I have taken my home loan with HDFC ltd . I was looking for 10 lakhs loan amount but i have taken 3 lakhs . The tenure period was 10 years . The interest rate was bit high and It was smooth process here. The customer service and responses was very good. There are no issues faced and the loan was approved on time.
      Was this review helpful? 3
      , kochi
      Reviewed on Sep 22, 2018
    • DHFL Home Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I took a home loan from the DHFL. The loan amount was huge, the interest rate was 9.6% is more. The tenure of the loan 15 years. It also has pre closure facility. The service was really good and the whole process was hassle free with the DHFL. Overall it was a good experience.
      Was this review helpful? 10
      , kochi
      Reviewed on Jul 27, 2018
    • Gruh Finance Home Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I took a home loan from the Grih Finance Rate of interest was high 14% it was back in 1997, The loan amount 1.5 lacs. I closed the loan completely. Even though the rate of interest was high, they provide good service and disbursed the loan with out any hassle.
      Was this review helpful? 2
      , kochi
      Reviewed on Jul 27, 2018
    • Bank Bazaar Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      This was my first time experience with bankbazaar and it was good, customer service of bankbazaar is good and their response was prompt. The services provided by bankbazaar is good when compared to other sources. Website of bankbazaar is easy to use and is user friendly.
      Was this review helpful? 0
      , kochi
      Reviewed on May 20, 2018
    • HDFC Limited Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My home loan experience was good with HDFC LTD, the loan amount was based on my requirements and the rate of interest was nominal when compared to all other sources in the market. Customer service was good and they collected documents on time.
      Was this review helpful? 0
      , kochi
      Reviewed on May 20, 2018
    • Bank Bazaar Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      It was a good experience with bankbazaar so far, the services provided by bankbazaar is good when compared to all other banking websites. I am using bankbazaar from last 3 years. Customer service was good and they responded on time. The website of bankbazaar is easy to navigate and is user friendly.
      Was this review helpful? 0
      , kochi
      Reviewed on May 15, 2018
    • HDFC Limited Home Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have applied for the home loan from HDFC LTD, i have closed the loan application because i have taken a home loan from other sources. Customer service of HDFC LTD was very good and they responded on time. The rate of interest was nominal when compared to other sources.
      Was this review helpful? 0
      , kochi
      Reviewed on May 15, 2018
    • Corporation Bank Home Loan
      "BEST SERVICE"
      0.5 5.0/5 "Blown Away!"
      Got my housing loan from corporation bank, where they did quick documentation and approval process. There rate of interest is low compared to other bank available in market their customer service and response is good toward queries related to housing loan.
      Was this review helpful? 0
      , kochi
      Reviewed on May 12, 2018
    • HDFC Limited Home Loan
      "Faster approval"
      0.5 5.0/5 "Blown Away!"
      My home loan is ongoing with HDFC Limited. It was very good with them. They took only 48 hours to process the loan and it got approved. But I received the draft in a week's time, it was an excellent service. The rate of interest and charges are okay.
      Was this review helpful? 0
      , kochi
      Reviewed on Jan 27, 2018
    • Bank Bazaar Home Loan
      "Good One"
      0.5 4.0/5 "Great!"
      The customer service was good form the bank bazaar side . The bank bazaar executive called me in a day as after i registered for the loan process . The Website of bank bazaar was good to use and really very easy to you .everything was explained to in a detailed way . It was a good experience i would say in all .
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 14, 2017
    • Sundaram BNP Paribas Home Finance Limited Home Loan
      "OK OK EXPERIENCE"
      0.5 3.0/5 "Satisfactory"
      It was a OK OK experience with SUNDARAM Housing Finance i would say .actually i canceled the application from my side . I Postponed the plan so i did not opt fore the loan process. The Customer service was good from the sundaram side . I received a Call in short time period only and on call all the required Information was delivered to me .
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 14, 2017
    • SBI Home Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken Home loan with State Bank of India.The loan amount is 22 lakhs,rate of interest is competitive.The tenure is for 20 years.They had deducted processing fees of 1% from the principle amount.The net banking is good to transfer funds and easy to operate.
      Was this review helpful? 4
      , kochi
      Reviewed on Dec 13, 2017
    • Canara Bank Home Loan
      "Good for home loan"
      0.5 5.0/5 "Blown Away!"
      I have taken a home loan from Canara bank.The total disbursed amount was 5 lakhs. The rate of interest with the bank was floating. The given rate of interest was 4.5%. The total tenure is for 7 years. The response and the customer support was really satisfying.
      Was this review helpful? 1
      , kochi
      Reviewed on Nov 07, 2017
    • SBI Home Loan
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I have taken a home loan 8 years back with SBI. Still it is on going loan, it end up in next 10months. I am satisfied with ROI, which is good. Actually the response was poor but I like the interest rate. It was a 20 years loan, I can pay how much ever I want. The pre payment is flexible. Documentation process was simple with SBI.
      Was this review helpful? 0
      , kochi
      Reviewed on Oct 26, 2017
    • Bank Bazaar Home Loan
      "Immediate response"
      0.5 4.5/5 "Excellent!"
      The service is very fast from bank bazaar. There is no much intreaction with the cusotmer sreivce, they called and processed the application to the bank. The followup was good. Actually i tried mobile application whichwas good and easy to access. There was a immediate response.
      Was this review helpful? 0
      , kochi
      Reviewed on Oct 26, 2017
    • Punjab National Bank Home Loan
      "Good"
      0.5 4.5/5 "Excellent!"
      The customer and response is good from PNB Housing Finance. I have taken home loan as 28L with the duration of 20 years. I have purchased a residential property. The loan disbursement was on time. For documentation they provided a doorstep. Rate of interest is compaatively good and not the best. I pay 25K/month through my salary account. Overall service is good
      Was this review helpful? 0
      , kochi
      Reviewed on Oct 26, 2017
    • Axis Bank Home Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I had applied for a home loan with Axis bank and I also got a response from them with the details of the documentation and process Interest rate offered by them was in line 10.25% and processing fee is 2% and it was for 15 years The customer services was also quick, the process was smooth and it was on time. It was on time when I needed it. I also did not have much of struggles when it comes to documentation.
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 29, 2017
    • HDFC Limited Home Loan
      "AVERAGE"
      0.5 2.0/5 "Expected more"
      I can say the loan process have delayed a lot ,there is no proper approach or no good relationship with customers. They are not engaged and they are not helpful for the customers , no proper response from their representatives I am not at all happy with HDFC LTD service.
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 28, 2017
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