Ghaziabad is in Uttar Pradesh in India. As its boundary is adjacent to Delhi, it acts as the main entrance of Uttar Pradesh and that is why it is also called the Gateway of Uttar Pradesh.Recent construction works have led to the city being described by a City Mayors Foundation survey as the second-fastest growing in the world.
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 Ghaziabad Home Loan if you are
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I have taken a home loan from HDFC Limited before 3 years. Loan amount is 37 lakhs with the interest rate of 8.75% floating. It is a pathetic service according to the change interest rate. If the rate is reduced they will not change it, I need to contact customer support and mail them to get back my money. It is increased will be done automatically without any notification regarding the EMI amount.
My home loan running with LIC, I availed Rs. 32 lakhs the process was hassle free. The field executive gave me the door step service and within 20 days I received the money based on the builder plan in one shot. But the drawback with them is the rate of interest is higher than others.
I took the home loan from Canfin service they completed the process on time, they gave me 9.5% per annum. I took the loan amount of Rs. 12 lakhs for the duration 20 years, the processing fee was higher around Rs. 11,000 and they taken insurance around Rs. 8000, the charges should be reduced. They have balance transfer, part payment, foreclosure.
HDFC Limited unable to give the top up loan for the property construction since I am an existing customer. I took the total outstanding of Rs.24.80 with the duration of 20 years. The loan process was not user friendly, they multiple documents was there and I paid the charges for the loan formalities. Hence I moved to Bajaj Finserv.
My home loan is running Bajaj Finserv, the interest rate is good around 8.90 for per annum its a floating one, the process was very good and quick. I took the loan amount of Rs. 30 lakhs for the duration of 15 years. They do have balance transfer, part payment option. I done the balance transfer from Hdfc limited to Bajaj Finserv. But the cheque bounce charges are more they are taking Rs.3000 per transaction.
The process for getting the home loan in Hdfc Limited is very easy , I took the loan amount of Rs. 15 lakhs for the duration of 15 years, the interest rate was 8.6% . The customer service is also good, I got the door step service and completed the process on time without walk in to the branch. There was only Rs.4500 processing fee it was minimal when compared to PNB housing.
Several times I got response from PNB housing for my home loan request. But I took the loan from HDFC limited because I have my old loan with the same bank. But I believe PNB interest is more they quoted me 8.75 but in HDFC limited I got 8.6% of interest and also PNB housing is charging some where around Rs. 9000 fee.
My home loan is with State Bank of India. The services are excellent. I got a proper response and the process was smooth and easy. The customer support is good. It was timely and the documentation is also easy. The rate of interest and charges is normal.
I had applied for a home loan with ICICI Bank. They have taken my documentation and also completed the verification as well. I received couple of calls in the process. After which got no response from them to inform me that the loan is not processed and the reason for declining the loan.
I have selected loan amount is 12 lakhs, tenure 15 year and Rate of interest 9.5% one time process fee Rs 5000, EMI Rs 9000, While documents through executive he given information so there no delay for disbursal loan amount. Need to be improvement in customer service.
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5
RADHE SHYAM MISHRA
, ghaziabad
Reviewed on Jun 24, 2019
I have been holding housing loan with GIC housing finance from long time, the loan amount which they have given to me was sufficient , they have given me as per my requirement, they have not charged me processing fee as it was waived off. Still this loan is running.
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1
RAVI SHAANKAR MISHRA
, ghaziabad
Reviewed on Jun 24, 2019
Purchased my home loan from Indiabulls. I am not satisfied with the loan service because of the high rate of interest rate and very slow response for the query. I have to do a follow up many times to resolve the query. The given the rate of Interest is very high. As per the RBI guideliness they have not deduced the interest rate
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4
BHANUPRATAP SHARMA
, ghaziabad
Reviewed on May 28, 2019
I had applied for a home loan with CANARA BANK and to get my application processed it has not took a long time. There was no delay. The interest rates moderate because they keep on changing the rates . Customer service is very good they are very professional .
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4
ASHUTOSH TIWARI
, ghaziabad
Reviewed on May 22, 2019
My experience with the Home Loan from HDFC LIMITED has been quite a good experience, where the process was pretty much easy and the loan was disbursed on the promised time. The interest rate and charges with them where all good and their customer support team where also responsive.
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0
RAJANEESH JHA
, ghaziabad
Reviewed on May 11, 2019
HDFC LTD has offered me a home loan and the process is good. The customer support and response is good. The process is on and it is smooth. The rate of interest and processing charges is also nominal. In all I ave no issues with this institution to get the loan.
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0
ABHISHEK SRIWASTAV
, ghaziabad
Reviewed on May 03, 2019
I have taken home loan through HDFC LIMITED . I am happy with their services considering the loan experience. The tenure period is fair enough . The Application process was smooth and the loan amount was credited to my account with in few days. Rate of interest is nominal .
It is easy to get loan from DHFL but impossible to pay with EMI. They are increasing the interest rate 4 or 5 times in a year but not decreasing the interest rate when even RBI decreases the repo rate. I took a home loan for 20 years and after 20 months of EMI still 24 years are remaining to pay. Now Calculate before go with DHFL.
I have Taken HDFC LTD Home Loan on the year of 2012.This Home Loan is still running.The agent clearly explained the process .The loan amount was received on time.The loan amount was sufficient as well . The loan amount got sanctioned on time .While submitting the documents not yet faced any issues .The Overall Service is Good as well .
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0
AMIT KUMAR SINGH
, ghaziabad
Reviewed on Mar 26, 2019
The loan documentation verification completed on time, I was part of ICICI group at the time hence my home loan process went well. But they don't have much branch in Delhi and Noida. The call center people they don't have much idea about the product , once the loan had disbursed, I need to follow up, when the interest rate come down.
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6
NITIN MALHOTRA
, ghaziabad
Reviewed on Mar 06, 2019
I have been holding my housing loan with Lic housing finance , The loan amount which they have given me was good, the rate of interest which they have charged me was less, the loan amount was sufficient,they have not charged me processing fee,as it was zero processing , and rate of interest is not fixed ,it use to float according to market value. Still this loan is running.
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