A "low interest" loan shouldn't mean you have very little interest in paying it back!
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    We found 43 Cochin Home Loan

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    8.6% - 8.95% Floating
    Up to 0.5% (min. ₹5900) One time fee
    5L Min
    1-30 Years
    Response Time Within 30 minutes
    Rs.5,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    8.40% - 8.85% Floating
    0.5% (max. ₹11,800) One time fee
    5L - 10Crs
    3-30 Years
    Response Time Within 30 minutes
    Rs.5,000 Amazon voucher free Paperless Approval Option Available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    8.35% - 8.60% 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 free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    8.40% - 10.05% Floating
    Up to 0.5% One time fee
    2L - 3Crs
    1-30 Years
    Response Time Within 30 minutes
    Rs.5,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    8.35% - 9.25% Floating
    0.50% (min. ₹10,000) + applicable tax
    12L - 5Crs
    1-20 Years (10 yrs plot loan)
    Response Time Within 30 minutes
    Rs.5,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good To Know
    Eligibility Criteria
    8.35% - 11.75% Fixed/Floating
    0.50% (min. ₹10000) One time fee
    5L - 10Crs
    1-30 Years
    Response Time Within 30 minutes
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    8.4% - 8.45% Floating
    10,000 + applicable tax One time fee
    40L - 5Crs
    1 - 25 Years
    Response Time Within 30 minutes
    Rs.5,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    11.5% - 13% Floating
    2% One time fee
    25L - 3Cr
    1-20 Years
    Response Time Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good To Know
    Eligibility Criteria
    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
    Rs.5,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.67% Floating
    1% One time fee
    5L - 5Crs
    1-30 Years
    Response Time Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    8.55% - 8.65% Floating
    0.5%
    20L - 10Crs
    1-30 Years
    Response Time Within 30 minutes
    Rs.5,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good To Know
    Eligibility Criteria
    8.6% - 8.95% FIXED:3 years,FLOATING Thereafter
    Up to 0.5% (min. ₹5900) One time fee
    5L Min
    1-30 Years
    Response Time Within 30 minutes
    Rs.5,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Value Adds
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  • Cochin Home Loan Reviews

    • 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 Apr 13, 2017
    • Union Bank of India Home Loan
      "Smooth process"
      0.5 5.0/5 "Blown Away!"
      My home loan is with Union Bank of India. The services and response has been good from the on start of my process and even after the loan has been disbursed. I had no issues in paying my EMI as it is deducted on time. I am also happy now that the rate of interest has reduced to 9.85% from around 12%.
      Was this review helpful? 1
      , kochi
      Reviewed on Mar 20, 2017
    • Bank Bazaar Customer Support
      "Good Service"
      0.5 4.0/5 "Great!"
      Bankbazaar was helpful to me to apply for a home loan and I had received a proper assistance and options on my financial requirement. Their overall service was good and excellent. They had communicated me on my application and provided a good service.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 04, 2017
    • HDFC Limited Home Loan
      "Better Choice"
      0.5 4.0/5 "Great!"
      The reason I have not received a home loan from HDFC Ltd is, I had not got permission from village taluk office. But the response and customer service of HDFC is appreciable. The rate of interest and processing fees are comparatively normal.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 04, 2017
    • Sundaram BNP Paribas Home Finance Limited Home Loan
      "Not User Friendly Bank"
      0.5 2.0/5 "Expected more"
      I was not contacted by Sundaram BNP Paribas Home Finance Ltd on my home loan application. They were not showing any kind of interest, even they were not willing to collect my documents and not even done any kind of verification on my home loan application.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 02, 2017
    • Federal Bank Home Loan
      "Average bank"
      0.5 3.0/5 "Satisfactory"
      I would describe Federal bank as an average bank probably because their online service is not good. Each time I had to go the bank to change the password. For every single activity I had to visit the branch. Recently, I visited the Branch for getting my Certificate of Interest as I had issues with my online banking. As I had forgotten my online banking password.
      Was this review helpful? 0
      , kochi
      Reviewed on Nov 09, 2016
    • Bank Bazaar Customer Support
      "Average experience"
      0.5 3.0/5 "Satisfactory"
      I was very impressed initially with Bankbazaar as I was confused about the home loan and they explained everything so clearly. I even informed all my friend that the portal has every detail on any financial product and it is not necessary to search much for a loan. But after the submission of the application, there should have been follow up calls done. It would have been more better if I had to receive the same.
      Was this review helpful? 0
      , kochi
      Reviewed on Nov 02, 2016
    • HDFC Limited Home Loan
      "Not happy"
      0.5 2.0/5 "Expected more"
      I am not happy with HDFC Ltd, as there was lack of information from them on the home loan. I live at Kochi and my property was in Chennai. After my application in Kochi, they took almost three to four weeks to transfer my file to the Chennai location. I also did not know that I could apply in Chennai directly. Finally the whole process took around 3 months. At the end I was also not informed that HDFC Ltd gets a third party to complete the legal formalities and I was asked to pay a fee of Rs.2500 for that as well.
      Was this review helpful? 0
      , kochi
      Reviewed on Nov 02, 2016
    • ICICI Bank Home Loan
      "Excellent experience being a privilege customer"
      0.5 4.0/5 "Great!"
      I have recently purchased a property through a home loan that I availed through ICICI bank. Being a privileged customer for about 6 years I had the perks of getting a preferential rate of 9.35% interest rate and the processing fee was waived off as well. The loan processing and approval took 6 days and by the time my property got registered as well. It was a smooth process except some legal delay.
      Was this review helpful? 2
      , kochi
      Reviewed on Apr 28, 2016
    • Bank Bazaar Customer Support
      "Pleasant and easy handling !"
      0.5 4.5/5 "Excellent!"
      The overall experience of Bankbazaar is lovable and can be described as pleasant. The response was immediate and I received a lot of calls with information and the decision was easy to make as the process was over in a few days. I found the web portal through online search.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 14, 2016
    • Axis Bank Home Loan
      "Quick and transparent !"
      0.5 4.5/5 "Excellent!"
      Axis bank was very resourceful and prompt in their service. They offered me a rate of interest of 9.55% which I think is on par with most private banks. The end to end processing & documentation is also hassle free. I had postponed the decision since the finalise property was cancelled in short notice.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 14, 2016
    • Bank Bazaar Customer Support
      "Hassle free!"
      0.5 4.0/5 "Great!"
      Bankbazaar is a wonderful website and is informative. The portal is designed well and is hassle free for financial needs. I found about the website as I was searching on Google and it has been quite helpful to decide on the products offered by various banks.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 14, 2016
    • Axis Bank Home Loan
      "Awesome Customer experience !"
      0.5 4.0/5 "Great!"
      The Axis Bank executives were friendly and were helpful when I applied for the home loan. The processing procedure is very smooth. Only area of concern is their high rate of interest and processing charges. Responsiveness was awesome and they were quite transparent about what they had to offer.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 14, 2016
    • SBI Home Loan
      "Great"
      0.5 5.0/5 "Blown Away!"
      SBI helped me for my home loan. Interest rate offered by the bank was 9.50%. The bank required more papers to process the loan but it all went smoothly. The representatives supported me and followed me well. The bank was also ready to offer the amount I asked for.
      Was this review helpful? 3
      , kochi
      Reviewed on Mar 10, 2016
    • Bank Bazaar Customer Support
      "Good"
      0.5 4.0/5 "Great!"
      In terms of response bankbazaar is great. After I registered the details in the website I got an immediate call back. It is a good financial website that displays the rate of interest offered by the different bank which makes the customer easy to choose.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 10, 2016
    • Axis Bank Home Loan
      "Not satisfied.. "
      0.5 2.0/5 "Expected more"
      My first choice was with axis bank I tried my home loan with. The executives contacted me well initially. And finally they noticed that my property belongs to the grahm panchayat region. It was informed by them that I would not be eligible if I have a property in such areas. So I moved to a different bank.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 10, 2016
    • Bank Bazaar Customer Support
      "Great"
      0.5 5.0/5 "Blown Away!"
      Everything was good in bankbazaar. Response was very timely. One day I received a email from them, and that is how I became familiar with bankbazaar. I would give a five star to bankbazaarâ??s customer support and response. Overall it was a great experience.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 07, 2016
    • Axis Bank Home Loan
      "Great"
      0.5 5.0/5 "Blown Away!"
      Services were excellent with Axis bank when I approached them to take a home loan. Interest rate was 9.55%. It was little high for me. There was no issues in the follow ups given by the bank. But due to some personal reasons I did not take the loan.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 07, 2016
    • State Bank of Travancore Home Loan
      "Average"
      0.5 2.5/5 "Just OK"
      SBT Bank has been average in their services. I initially took my home loan from them. They have not been very responsive. The rate of interest was average. The processing charges are average too. Overall not a satisfactory experience.
      Was this review helpful? 0
      , kochi
      Reviewed on Feb 22, 2016
    • Bank Bazaar Customer Support
      "Good Services"
      0.5 3.0/5 "Satisfactory"
      It was a good experience with Bankbazaar the services are good. The response was very prompt. I got to know all the details I needed for the loan. The website is good. It is useful and very helpful. It has all the details a customer requires for the loan.
      Was this review helpful? 0
      , kochi
      Reviewed on Feb 22, 2016
    Common Loader Icon

    Cochin Home Loan is Rated as "Great!" by 93 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Home Loan BYTES FROM OUR KITCHEN

    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 28 Jul 2017

    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

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