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  • Cochin Home Loan

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  • We found 39 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 ₹1 Cr - 0.25% of Loan Amount, subject to maximum ₹10,000/- (Plus GST), Above ₹1 Cr and up to ₹5 Crs - 0.25% of Loan Amount, subject to maximum ₹25,000/- (Plus 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
    8.80%- 9.20% Floating
    12,000 (inclusive of GST) 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
    Fees & Charges
    Good to Know
    8.75% - 11.0% Floating
    Up to 0.5% 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 PF (For salaried) (Not applicable for plot loans)+Tax (for Self employed)
    12L - 5Crs
    1-20 Years (10 yrs plot loan)
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good To Know
    8.40% - 11.75% Fixed/Floating
    0.50% (min. ₹10,000) One time fee
    5L - 10Crs
    1-30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    9% Floating
    ₹ 10000+ taxes One time fee
    50L - 5Crs
    1 - 25 Years
    What you'll love
    Documents
    Perks
    Good to Know
    8.55% - 8.99% Floating
    ₹5,000 to ₹10,000 + applicable tax 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
    8.30% - 8.35% 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

    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 22 Jan 2020

    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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    Cochin Home Loan Reviews

    • 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? 0
      , kochi
      Reviewed on Jan 21, 2020
    • HDFC Limited
      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? 0
      , 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? 4
      , 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? 1
      , 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? 1
      , 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
    • 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
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