A "low interest" loan shouldn't mean you have very little interest in paying it back!
  • Home Loans in Cochin

    Home loans in Cochin start at the interest rate starting at 6.90% p.a. It goes up to 11.50% p.a. The loan providers in Cochin have lucrative offers on housing loans with nominal processing fee and flexible loan repayment tenure. Eligible self-employed or salaried individuals can apply for the loan.

    Home Loan Interest Rate in Cochin

    Interest Rates 6.90% p.a. to 11.50% p.a.
    Processing fee As per the terms and conditions of the bank
    Maximum Loan Amount As per the terms and conditions of the bank and the eligibility of the applicant
    Maximum Tenure Up to 30 years (differs from bank to bank)

    Compare: Home Loan Interest rate

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    We found 37 Cochin 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) One time fee
    Rs.30L - Rs.5Crs
    5 - 30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.65% - 10.35% Floating
    Up to 0.50% One time fee
    Rs.5L - Rs.10Crs
    3 - 30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.35% - 9.18% Floating
    0.50% - 2.00% One time fee
    Rs.20L - Rs.5Crs
    1 - 30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    6.95% - 7.50% Floating
    Up to 0.50%(Max ₹11,800) One time fee
    Rs.5L - Rs.10Crs
    1 - 30 Years
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    8.99% - 9.75% Floating
    Up to 1.00% One time fee
    Rs.2L - Rs.3Crs
    1 - 30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.60% - 9.50% Floating
    0.50% One time fee
    Rs.12L - Rs.5Crs
    1 - 20 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.40% - 11.75%
    0.50%(Min ₹10,000) One time fee
    Rs.5L - Rs.10Crs
    1 - 30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    7.30% - 7.80% Floating
    ₹10,000 One time fee
    Rs.50L - Rs.5Crs
    1 - 25 Years
    What you'll love
    Documents
    Perks
    Good to Know
    9.00% - 12.50% Floating
    Up to 1.00% One time fee
    Rs.20L - Rs.10Crs
    1 - 30 Years
    What you'll love
    Documents
    Perks
    Think about
    Good to Know
    9.25% Floating
    0.50%(Min ₹10,000) One time fee
    Rs.1Cr - Rs.5Crs
    1 - 20 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    6.90% - 7.15% Floating
    Up to 0.50%(Max ₹15,000) One time fee
    Rs.25L onwards
    1 - 30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Eligibility Criteria
    9.25% - 11.20% Fixed
    Up to 0.50% One time fee
    Rs.2L - Rs.3Crs
    1 - 30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know

    Best Home Loan Providers in Cochin

    Home Loan Providers Branch Location
    Axis Bank 3rd Floor, Chicago Plaza,
    Rajaji Road Ernakulam,
    Kerala – 682 035
    Canara Bank Bazaar Road, Mattancherry,
    Cochin,
    Kerala – 682 002
    HDFC Bank 1182, Building No. 32,
    Palarivattom Jn,
    Cochin,
    Kerala – 682 025
    ICICI Bank Emgee Square, M G Road, Ernakulam,
    Cochin,
    Kerala – 682 035
    State Bank of India (SBI) Cochin Shipyard, MG Road,
    Perumanoor, Ernakulam,
    Kerala – 682 015
    PNB Housing Finance Ltd. 1st Floor, R P Arcade, Near Railway Overbridge,
    Near Gold Souk Grande Mall, Ponnurunni, Vyttila, Cochin,
    Kerala – 682 019

    Eligibility and Documents Required

    Purpose Eligibility Documents Required
    Age 18 years to 75 years (differs from bank to bank) PAN card, voter ID, passport, or driving license
    Residency Resident of India PAN card, voter ID, passport, or driving license
    Employment Self-employed or salaried Employee ID
    Income Salaried – From Rs.10,000 p.m.
    Self-employed – From Rs.1.8 lakh p.a. (differs from bank to bank)
    For salaried:
    • Last 3 months salary slip
    • Last 6 months bank statements
    • Last 2 years Form 16 and IT returns
    For self-employed:
    • Previous 3 years income tax returns
    • Previous 3 years profit & loss accounts with balance sheet
    • Last 12 months bank statements

    Note: Documents required are indicative and applicants might be asked to provide additional documents as per the requirement of the bank.

    If you are planning to build a house in Cochin, you can easily avail a housing loan at reasonable rates of interest, flexible loan repayment tenure, and nominal processing fee and realise your dream of building your dream home.

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    Cochin Home Loan Reviews

    • HDFC Limited Home Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied for HDFC Ltd home loan through online .I was working in Cochin and my native was Patna so need loan on Patna since residing in Cochin at that time unable to get the loan .The rate of interest was very high and the agent gave all the information about the loan process as well as got proper response .
      Was this review helpful? 3
      , kochi
      Reviewed on Feb 17, 2020
    • Federal Bank
      Federal Bank Home Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a home loan from Federal bank and it was a good loan experience. The loan amount was for Rs 18 lakhs with the rate of interest of 9 or 9.5% which is less when compared to all other banks. The process was quite lengthy and it took 1 month to receive the loan. Customer service was good. The tenure of this loan is 15 years .
      Was this review helpful? 6
      , kochi
      Reviewed on Jan 21, 2020
    • HDFC Limited Home Loan
      "HDFC Home Loan - Kochi Branch- Worst Experience"
      0.5 0.5/5 "Unacceptable"
      HDFC provides the worst customer care ever. I had tried applying for a home loan from them and it is been more than 4 months and still the process has not been completed. Called them up multiple times from UK but very bad response. They showed much eager to obtain 12,000Rs from me for processing fee but no amount of effort was put forth from them. The manager nor the executive mentioned about a Power of attorney/ Notary service, only after me inquiring with my friends who have taken similar loans, I came to know about these mandatory documents for NRI. Again Mr.Abhilash and Mr.AkhilRaj acted as if it was my issue and they were not bothered. I sent all the documents to them via mail from UK 3 weeks back and till date they didn't respond whether they have received it or not. I called them everyday from UK waiting my time, energy and money. The anxiety they showed towards 12,000rs processing fee got over once I sent them the cash. My registration is not completed. For nearly 5 months, I
      Was this review helpful? 15
      , kochi
      Reviewed on Jan 20, 2020
    • ICICI Bank Home Loan
      "Very bad loan service"
      0.5 0.5/5 "Unacceptable"
      I have applied the home loan from ICICI bank since i have a salary account with them. In the branch, the approach is not good and they are not interested to provide the loan to the customer. I had applied the loan amount of Rs. 21 lakhs and they asked me to submit the documents once i given the same, they said they cannot able to process the same because they will give only for CITI side house.
      Was this review helpful? 3
      , kochi
      Reviewed on Aug 31, 2019
    • Bajaj Finserv Home Loan
      "Average Loan service"
      0.5 5.0/5 "Blown Away!"
      There is no proper customer support from Bajaj Finserv. They will give proper guidance till we get the loan. I have asked the top up in my existing loan once i approached the Bajaj Finserv, they have given me a offer with the interest rate of 8.6% hence i have accepted the same. They have sanctioned the loan in 3 weeks. Some EMI got bounced, they sent the collection executive to home before getting the proper explanation to the customer.
      Was this review helpful? 10
      , kochi
      Reviewed on Aug 31, 2019
    • Axis Bank Home Loan
      "Very Good banking for home loan"
      0.5 5.0/5 "Blown Away!"
      When i joined in a company, My friends suggested me a Axis bank based on the quick process. They have completed the entire process in two weeks. I have applied the loan amount of Rs. 21 lakhs and they have sanctioned the same. The given interest rate is 10.5%. They have a facilities of partial payment and pre-closure.
      Was this review helpful? 3
      , kochi
      Reviewed on Aug 31, 2019
    • DHFL Home Loan
      "Good but can do better on the interest"
      0.5 4.0/5 "Great!"
      Currently my DHFL home loan is active at the time of loan process. My land was in airport area hence its became an issue but DHFL helped me a out however the interest rate was quite more but still due to my situation they fulfilled my needs. As per the government rule they are reversing the loan Every six to one year. The bank staffs are helpful and comfortable.
      Was this review helpful? 0
      , kochi
      Reviewed on Aug 05, 2019
    • Punjab National Bank Home Loan
      "Average Loan "
      0.5 5.0/5 "Blown Away!"
      My friend has taken the home loan from PNB housing hence there is no issue on housing hence i have chosen them. After i filled my application, they have not done any follow till now. I have applied the loan amount of Rs. 20 lakhs. They have asked me for the sanctioned date then i have requested them within 3 months to sanctioned the loan and the interest rate is 8.3%
      Was this review helpful? 2
      , kochi
      Reviewed on Jul 06, 2019
    • HDFC Limited Home Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I applied my home loan with HDFC BANK . The application is on process the customer support follow up is good they was very helpful . The rate of interest which they are charging was very nominal . I upload some of the documents . The service is godo the loan amount i applied 1500000 and i was getting the same .
      Was this review helpful? 0
      , kochi
      Reviewed on Jul 06, 2019
    • HDFC Limited Home Loan
      "Good customer services "
      0.5 5.0/5 "Blown Away!"
      In HDFC , I took 45 lakh as a housing loan . Very good customer service when I purchasing the loan . They themselves call the customer for negotiation of interest . But they are very strict in Preclosure charge . No one has informed me about the pre closure charge while taking the loan .
      Was this review helpful? 1
      , kochi
      Reviewed on Apr 09, 2019
    • HDFC Limited Home Loan
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I am happy with top up loan of my housing loan with HDFC limit, my total loan amount was Rs. 17 lakhs. Again I took the top up amount around Rs. 2.44 lakhs with the better interest rate. I took the loan for the 20 years, but now I requested for 15 years of tenure period.
      Was this review helpful? 1
      , kochi
      Reviewed on Jan 25, 2019
    • ICICI Bank Home Loan
      "Need to reduce ROI"
      0.5 3.5/5 "Pretty good"
      My home loan experience was average with ICICI bank, the process was smooth and i received my loan amount on time. Rate of interest was way high when compared to other banks. Customer service was good with ICICI and tenure period is for 20 years.
      Was this review helpful? 1
      , kochi
      Reviewed on Jan 23, 2019
    • SBI Home Loan
      "Good Financial service"
      0.5 4.5/5 "Excellent!"
      Rate of interest is bit low compared to other bank they have given best rate of interest am fully satisfied with it , They took time like 1 month for the processing and approval for the documentation as they do property evaluation . . They have charges some nominal fees for the housing loan approval Am pretty much satisfied with the customer service .
      Was this review helpful? 7
      , kochi
      Reviewed on Jan 18, 2019
    • HDFC Limited Home Loan
      "Easy to get a home loan"
      0.5 4.0/5 "Great!"
      I have purchased my home loan with HDFC in the year of 2014. Since the interest rate is 8.5% i have chosen them. I have been paying the EMI amount of Rs. 15000 every month and the will be auto deduction from my account. Total tenure period of the loan is 13 years. There was no processing fee and preclosure, partial payment facility is available.
      Was this review helpful? 1
      , kochi
      Reviewed on Jan 10, 2019
    • ICICI Bank Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My housing loan was taken with ICICI BANK , they have given me sufficient loan amount and the rate of interest they have charged me was nominal , and the processing fee also was charged nominal only, they have not charged any hidden charges there service is good.
      Was this review helpful? 0
      , kochi
      Reviewed on Nov 25, 2018
    • SBI Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My housing loan was taken with STATE BANK OF INDIA , the tenure period is 15year . I sue to pay EMI on time .There rate of interest is nominal they have charge me, customer service is good they have explain me about everything relating to loan was clear.
      Was this review helpful? 4
      , kochi
      Reviewed on Nov 25, 2018
    • 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
    • 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? 4
      , kochi
      Reviewed on Jul 27, 2018
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