A "low interest" loan shouldn't mean you have very little interest in paying it back!
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    We found 42 Home Loan Eligibility
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    8.6% - 8.95% Floating
    Up to 0.5% (min. ₹5,900) One time fee
    5L Min
    1-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon voucher free
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    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 available
    What you'll love
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    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    8.35% - 8.70% 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
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    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
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    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
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    Perks
    Fees & Charges
    Good To Know
    Eligibility Criteria
    8.35% - 11.75% Fixed/Floating
    0.50% (min. ₹10,000) 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
    8.25% Floating
    0 One time fee
    40L - 5Crs
    1 - 25 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon voucher free
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    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
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    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
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    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    8.6% - 8.95% FIXED:3 years,FLOATING Thereafter
    Up to 0.5% (min. ₹5,900) 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
    8.6% - 8.95% FIXED:5 years,FLOATING Thereafter
    Up to 0.5% (min. ₹5,900) 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
    9.0% - 9.25% FIXED:10 years,FLOATING Thereafter
    Up to 0.5% (min. ₹5,900) One time fee
    5L Min
    1-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon voucher free
    What you'll love
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    Perks
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  • Home Loan Eligibility is Rated as "Great!" by 24914 Users

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    Home Loan BYTES FROM OUR KITCHEN

    Home Loan Eligibility

    Buying your dream house in the current times is definitely a challenge. The price hikes happen ceaselessly while certain part of the cities are becoming less and less livable. But the good news is, interest rates are at an all-time low. Yes, applying for a home loan could be a swift solution to each one of your house-related financial crunch. But like every other loan, your bank/ financier will demand you to provide proofs that you are more than capable of settling the loan within the stipulated tenure.

    There are quite a few public sector and private lenders as well as home financiers assuring customized loans. For instance, if your salary doesn't make you eligible for a 15 year tenure loan, you can opt for a 20 year tenure with lesser down payments and reduced EMIs. We all know about the big daddies in the arena such as India Bulls, Aditya Birla, and Reliance who offer highly competitive rates apart from banks.

    Perfect Home Loan Deals for you

    Home Loan Eligibility Criteria

    • Loan eligibility criteria differ for each banks/lender.
    • Approvals are based on borrowers' incomes, credit profiles and existing relationships with the bank

    AgeMinimum: 21 yrs.
    Maximum: 65 yrs. (depending on type of employment)
    Minimum Net Annual Income Rs. 5 - 7 lakhs depending on type of employment, EMIs offered up to 50% of net income, on average
    Type of EmploymentSelf-employed or Salaried
    Status of EmploymentRegular; at least 1 yrs. in current job/business/profession.; at least 2 yrs. of prior employment
    Type of residenceOwned/ Rented
    Status of ResidenceAt least 1 yr. at current place of stay
    Credit RatingGood rating as per recognised credit bureau
    Type of property being purchasedAffects loan amount eligibility

    Documents Required for Applying Home Loan:

    Supporting documents vary according to lender requirements:


    • Signed application, photographs affixed
    • Identity Proof: Passport/ Voter ID / PAN Card
    • Residence Proof: Passport/ Voter ID/ Driving License/ Water Bill/ Electricity Bill/ Lease agreement
    • Income Proof:
      • Salaried individuals - Latest Salary Slips (3 months)/ Current Salary Certificate
      • Self-employed persons - Latest bank Statements (3 - 6 months)/ Audited financial statements
    • Tax Proof:
      • Salaried individuals - Latest Form 16
      • Self-employed persons - Latest ITR Form
    • Employment Proof:
      • Salaried individual - Employment certificate
      • Self-employed persons - Legal documents pertaining to establishment of the business/profession e.g. MOA/ Partnership Deed etc.
    • Property Documents
    • Processing Fee Cheque
    • Co-applicant's (if any) documentation

    Factors that can Affect Your Home Loan Eligibility:

    1) Age: Age is the first and foremost factor a lender/ financier considers when one applies for a housing loan. Normally, financial institutions attempt to limit the house loan term to the primary applicant's age of superannuation. This means young professionals (20s and early 30s) can avail a loan with a term of up to 25 years with no trouble. But older applicants especially those beyond 40 can find it a tad tough to be eligible for an extended tenure. Many a time, single applicant aged 50 and above were denied home loans purely on this basis.

    2) Income: Let us categorize this into salaried, professional and self-employed. Whichever category the applicant falls into, a steady and regular source of income is must. Basically, there are fewer risks in loaning money if the applicant is an earning individual.

    • Salaried Individual: If you are working for any government department or at any registered private company, you belong to this group. Most banks insists that the applicant should have completed at least one year in the present firm at the time of application. Pay slips, Form 16, bank statements and employer reference letter are the documents almost all lenders demand. Proofs for the same is needed for co-applicant and guarantor too (if applicable).
    • Independent Professionals: Doctors, dentists, architects, engineers, management consultants, chartered accountants, freelance workers etc. belong to this category. Bank statements and ITR papers have to be submitted.
    • Self Employed: Do you have your own company/ business? Or do you have other source of income like rented properties or hold shares? Then you belong to this category. If you have bank statements and tax-related papers to show, you can certainly apply for a home loan.

    3) Rate of Interest: Home finance eligibility is always inversely proportional to the rate of interest. If the rate is more, eligibility will be less and vice-versa.

    4) Loan Term: If you opt for a longer tenure, your eligibility will improve. EMIs too will lesser and manageable. But the downside to this is, you will end paying more interest.

    5) Outstanding Loan(s): Indian banks and financial institutions always recommend keeping the EMI to Income Ratio between 50 or 60 percent. This is to leave window for future loans or to pay of existing loans if any. But unsettled loans could be a great damper on your eligibility.

    6). CIBIL Report: Banks also scrutinize your credit repayment history from CIBIL (Credit Information Bureau India Limited), which is country's regulator and first credit information bureau. They keep detailed records of every info regarding credit history relation between you and lenders/ creditors. A negative entry can bring down your eligibility significantly.

    Apply for Home Loan Online

    Home Loan Eligibility Calculator

    Different factors are considered for calculation of the home loan eligibility. These factors include fixed monthly obligation, monthly income, retirement age, present age, etc. The home loan affordability factor can also play a major role in determining the home loan eligibility for you.

    Different banks have their own eligibility calculators for determining the applicant’s eligibility for a home loan. Details about the eligibility calculators for some of the top banks in India are given below:

    Indiabulls Home Loan Eligibility Calculator:

    Indiabulls is one of leading home loan providers in India. The home loan eligibility calculator tool offered by Indiabulls is a simple tool where home loan applicants can easily calculate their eligibility towards the home loan. There are different factors like home loan interest rate and home loan tenure that determine the home loan eligibility factor for an individual.

    Process of Home Loan Eligibility Calculation:

    • Go to the official website of Indiabulls home loans.
    • Navigate to the page called Home Loan Eligibility Calculator: https://www.indiabullshomeloans.com/home-loan-eligibility-calculator/
    • Enter your net monthly income in the first box.
    • In the second box, enter the tenure for which you wish to take the loan.
    • In the third box, choose the rate of interest that must be associated with your home loan.
    • The home loan eligibility tool will automatically calculate the loan amount that you are eligible for.

    PNB Home Loan Eligibility Calculator:

    PNB is one of the leading banks in India and offers great home loan solutions to its customers. To know your eligibility for a PNB home loan, use their home loan eligibility calculator. It is a simple tool that is available on the official website of the bank. It allows you to calculate the home loan eligibility factor by entering certain data in the specific boxes.

    Process of Home Loan Eligibility Calculation:

    • Go to the official website of PNB.
    • Navigate to the page called ‘Home Loan Eligibility Calculator’.
    • Scroll down to the box where you need to enter the data required for eligibility calculation.
    • Enter your monthly income in the box that says ‘Gross Monthly Income’.
    • Enter the loan tenure in years in the box provided for Loan Tenure.
    • Choose the annual rate of interest to be associated with the home loan.
    • In case you have other EMIs to pay, mention the amount the box called ‘Other Existing EMIs’.
    • The home loan eligibility tool will automatically calculate the loan amount that you are eligible for.
    • You may change your inputs to find out the loan that is best suited for you.

    LIC HFL Home Loan Calculator:

    LIC Housing Finance Limited is one of the leading home loan providers in India. The home loan eligibility calculator tool available on the official portal of LIC HFL is an easy-to-use tool that allows you to know your eligibility towards a home loan.

    Process of Calculate LIC HFL Home Loan Eligibility:

    • Go to the official website of LIC HFL.
    • Navigate to the page called ‘Loan Eligibility Calculator’.
    • Enter the monthly income that you have in the box called ‘Gross Monthly Income’.
    • Enter the total EMI that you are paying at present in the next box.
    • Choose a rate of interest as per your convenience and enter it in the box called ‘Interest Rate’.
    • Choose the term of the loan as per your suitability.
    • The loan amount along with the EMI will be displayed below.
    • A pie chart is also present for better understanding of the loan and associated charges.

    Example of Home Loan Eligibility Calculation:

    Let us understand home loan eligibility calculation with the help of an example. Chandra Patra is an employee of a leading company in India. His salary break up is mentioned below:

    Income Amount Deductions Amount
    Basic 32,000 Income Tax 3,300
    HRA 900 Provident Fund 2,200
    Conveyance 10,000 ----- -----
    LTA 9,000 ----- -----
    Special Allowance 55,000 ----- -----
    Medical expenses 2,000 ----- -----
    Total 1,08,900 Net Income 1,03,400

    Let us consider that Chandra has no loans or liabilities at present and his net available income is Rs.1,03,400. However, you one must always remember that Leave Travel Allowance is not taken into consideration by the bank while calculating the salary. The medical allowance is also excluded from the calculation. This is because, these expenses are not derived by an individual with his/her salary. In this case, Chandra will only get these amounts as reimbursements, in case he spends on medical needs or travel requirements. Thus, the bank or the lender will deduct that LTA and medical expenses from the net income. Chandra’s net income now stands at Rs.1,03,400 – Rs.(9,000 + 2,000), which is equal to Rs.92,400.

    Thus, the loan eligibility for Chandra Patra stands at Rs.92,400 x 60 = Rs.55,44,000

    In case of a home loan, EMI is restricted to a maximum of 40% to 50% of the net income (monthly) by most banks. This suggests that you are eligible for a home loan where the equated monthly instalment is not more than 50% of your monthly income.

    How to Increase Your Home Hoan Eligibility?

    Eligibility is not an easy thing to assess. The banks and lenders will be considering your present liabilities, income, assets, etc. while calculating your home loan eligibility. In case the mortgage requirement is slightly higher that the eligible loan amount, some changes in the way you present yourself can help in increasing the eligibility factor. Tips to increase you eligibility for a home loan are mentioned below:

    • Clearing Existing Loans – Ensure that you pay diligently towards your credit card outstanding or personal loan instalments. These can make the lender reject your application. The ideal thing to do is clear all dues and collect a no-due certificate before applying for a home loan. Ensure that your CIBIL report reflects these payments when you apply for home loan.
    • Variable Pay – Ensure that you keep track of the variable pay that you get with your salary package. Calculation of eligibility towards a home loan also depends on this factor.
    • Rental Income – If you have a house that is not being used by you, lease it out. The money that you earn as rental from this property can be used by you to show additional income source when you apply for a home loan. Your loan value can easily be enhanced by adding the rental income with our regular earnings.
    • Increase in Tenure – The tenure of the home loan and the eligibility factor are directly proportional to each other. The eligibility increases upon increasing the tenure of the home loan. However, the maximum tenure that can be availed at present stands at 30 years.
    • Income of the Spouse – In case your spouse has a regular source of income, then applying for a joint home loan can prove to be advantageous. The home loan eligibility goes up dramatically if you apply for a home loan with your spouse. This also suggests that both of you will have to repay the loan together.
    • Take the Time You Need – Before making an application for a home loan, it is advisable that you take a look at your credit score. Look for errors on your report. In case, you find an error, ensure that it gets cleared by CIBIL. In order to get a loan quickly, do not apply with multiple lenders. Instead, find out the offers that you can get from different lenders. If the CIBIL score that you have is good, different lenders will be more than satisfied to offer the loan amount to you. Before you choose your lender, speak to an existing customer of that lender. Easy schedule of repayment, competent rates of interest and good services are the things to look at while choosing a lender.
    • Step up Loans – Step up loans can be considered by you if you wish to increase your home loan eligibility factor. This is a great option for people face a lot of struggle initially, but get rewarded as they get established. Example – Chartered Accountants and Doctors. Under step up loans, lower EMIs will be offered with the loans. The instalments will go up gradually in the future.

    Now Check Your Home Loan Eligibility Offers on BankBazaar.com:

    Bank Bazaar enables users to check how they fare on eligibility by inputting key background information relating to income, age, employment,existing loans etc.

    The result are provided with free, instant quotes on the best home loan offers available to them based on data provided.

    This eliminates the guess-work related to choosing a home loan.

    Users can then compare their offers across various lenders and apply for the loan of their choice, availing of exclusive offers provided by Bank Bazaar to its users through collaborations with leading institutions.

    FAQs On Home Loan Eligibility

    1. Can I also apply for a home improvement (furnishing) along with this?

      As long as you have sufficient income proof, you can either avail a larger amount that will take care of the home cost as well as interiors or you can apply for a separate improvement loan.

    2. Can I opt for different kinds of Home Loan interest rates?

      Definitely. You can choose either Fixed or Floating rates. Both come with its own pros and cons and is dependent on the changing base rate as per the current trend.

    3. How do banks calculate my EMIs?

      The EMI is basically principal that goes towards the amount you borrowed and the interest on the borrowed amount. It is evaluated by taking into consideration the loan sum, the tenure chosen and the current interest rate. And outstanding amount gets adjusted every month accordingly.

    How to Use an EMI Calculator

    While applying for a Home Loan, there can be a lot of confusions with regard to your EMI Payments. However, technology has made it easier for borrowers and potential borrowers to now use the EMI calculator to accurately calculate the EMI one has to pay after availing a particular loan. By simply entering a few details about your loan tenure, loan amount, interest, etc., the EMI calculator will be able to accurately assess your EMI payments.

    Read on to know more about: How Home Loan EMI Calculator Works

    How to Use Online Financial Calculators

    While applying for a Home Loan, there can be a lot of confusions that arise with regard to your EMI Payments, tenure, eligibility, etc. However, technology has eased this process for borrowers and potential borrowers. They can to now use financial calculators to accurately calculate the EMI one has to pay, your eligibility, interest, amongst other factors. By simply entering a few details about your loan tenure, loan amount, interest, etc., financial calculators accurately assess your loan details.

    Read on to know more about: How to Use Financial Calculator Online

    News about Home Loan Eligibility

    • SEBI Puts off its Bad Loan Until Further Notice

      Pre-festive season, the market regulator SEBI (Securities and Exchange Board of India) has postponed the implementation of its bad loan directive ‘until further notice’ . This news has come up as a big relief for all the listed companies. In response to this, top-notched banks of the nation have come up with attractive home loans. In fact, they have decided to cut their interest rates.

      State Bank of India, Bank of Borada and Andhara Bank are few of the public sector banks to take the initiative. Even private bank like ICICI has bought in a new home loan product. The scheme offers the benefit of 1% cashback on every EMI to every borrower, for the entire tenure of their loan.

      19th October 2017

    • The ‘Big 5’ Lending Maximum Home Loan

      Going as per rating agency Icra, 5 housing finance companies (HFC) lend up to 78% of home loan today. The two big shots are HDFC and LIC, with each having an asset of over Rs.1 Lakh. The other three HFCs are DHFL, Indiabulls and PNB HFL, having a combined market share of 21%. While each one has an asset of Rs. 15,000 to 50,000 crore.

      The housing finance market is quiet fragmented in India. Since 2015, 25 HFCs have been set up to gradually change the scenario. However, the move might increase the risk of slippages and laxity in underwriting standards. With new companies coming in HFCs share is growing at a rapid pace and it is in a position to compete with commercial banks. HFCs share that was 33% in March 2012 is 37% in March 2017, whereas commercial banks share has dropped to 63% from 67% previously.

      16th October 2017

    • National Housing Bank May Fix The Maximum Loan Amount That Can Be Disbursed By The Housing Finance Companies

      The increasing bad assets may push the National Housing Bank to cap the loan amount disbursed by the housing finance institutions in India. Chairman of NHB, Sriram Kalyanaraman stated that home loans against properties is a real threat in case of high-value loans and commercial property. The banks find it difficult to possess the house and resell it at the market price as the value of the property quotes on papers may not be the same in the market.

      The banks are advised medium-sized home loan companies to be careful as they will be the first one to suffer if the market condition goes wrong. Kalyanaraman further stated that when a bank lends to an individual, the emotional attachment is high for the buyer. Thus, the borrower will make prompt payments. However, when it comes to builders and commercial properties, this emotional attachment is very low. This would make them default on their home loan easily.

      4th October 2017

    • Interruptions in the Housing Market have No Long-Run Effects

      The current sluggish real estate market has not been impacted by the recently introduced Goods and Service Tax (GST), says Keki Mistry, VC and CEO of HDFC. Even Real Estate Regulatory Act (RERA) leaves no impact. The demand for new houses and housing credit continues to rise and is coming from all parts of the country. The average loan size stands at 26 lakh similar to the previous year. The market is doing well in big cities such as Mumbai, Bangalore and Pune, he adds. In July and August, the launch of new projects were slow due to RERA. There are many ready-to-move-in projects that cannot be interrupted as not registered under RERA. Interruptions in the housing market have no long-term effects, he further mentions.

      27th September 2017

    • Repo Rate Recommended for Household Financing

      The Household Finance Committee that studies various aspects of household finance has recommended that banks use the repo rate and not the marginal cost of funds based lending rates (MCLR) while setting interest rates for home loans. According to the committee, this helps borrowers easily compare home loans of different banks.

      Furthermore, the committee had said that a fixed reset period of one month must be set for floating loans. With regard to MCLR, the rates applicable on the first disbursement remains the same till the next reset date, notwithstanding any changes in the policy.

      8th September 2017

    • Banks Offer Great Deals on Loan Products

      Many banks have started offering great deals on loan products after the Ganesh Chaturthi. From deals on home and car loans to discount on processing fee on gold and personal loan, many banks are also offering deals on their credit cards. While under Shubh Aarambh Home Loans, Axis Bank is offering a waiver of 12 EMIs on home loans up to Rs.30 lakh, other lending institutions are offering EMI waivers at the end of 4th, 8th and 12th year of the loan tenure (applicable for first time home buyers who pay their EMIs regularly). For car loans, State Bank of India (SBI) is waiving off the complete processing fee for loans booked before 31 December 2017. SBI is also offering a significant amount of waivers on gold loan and personal loan processing fee. There are other banks such as Punjab National Bank and ICICI Bank which are also offering waivers for various loan products.

      1st September 2017

    • CIBIL and its list of credit scores for home loan eligibility

      CIBIL, the credit information bureau of India, when it was launched provided a list of scores which will be assigned to loan buyers in the country.

      These scores basically check an individual’s creditworthiness based on a number of parameters like total loan outstanding, adherence to payment deadline, credit utilisation ratio, and the like.

      The score are as follows:

      • 750 and above - Excellent credit score
      • 700 to 749 - Good credit score
      • 650- 699 - Decent credit score
      • 600 - 649 - Poor credit score
      • Below 600 - Very bad score

      In order for individuals to get their home loan approved, they need to have the highest score possible in order to have your loan approved.

      21st April 2017

    • Real Estate Developers Request for lenient Home Loan Criteria

      Real Estate Developers have requested financial institutions to make their home loan criteria lenient to help the industry. They have also asked the government to cut down the blacklist period for auto loan non-payment and credit cards from 3 years to 1 years to help buyers get access to mortgage options. Property developers are expecting the home loan rejection rate to rise and there have been instances where homebuyers have not been able to avail mortgages even after having good qualifications. To discuss issues related to the blacklist period, the Housing Business Association has scheduled a meeting with government agencies.

      16th December 2016

    • RBI Relaxes Rules to Give Borrowers an Extra 60 Days to Repay

      The Reserve Bank of India (RBI) has relax the rules governing categorizing loans as bad loans for small borrowers. In light of the recent demonetization of the Rs.500 and Rs.1,000 currency notes many borrowers are finding it difficult to repay their loans on time. Banks and financiers have been given an extra 60 days to recognize car loans, housing loans, agricultural loans and other loans as substandard. This relaxation of rules will apply to dues payable between November 1st and December 31st. With withdrawal amounts restricted to Rs.24,000 a week many borrowers are finding it difficult to repay their loans on time and cannot access the funds required to do so. This relaxation will apply to all loans below Rs.1 crore.

      28th November 2016

    Home Loan Eligibility Reviews

    • review Home Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have my home loan with GIC housing finance. The loan amount was 25 lakhs taken for 20 years .The promised rate of interest was 12% which was very high. Here the pre clouser is very easy and the loan process is very simple .They have sanctioned the loan with the committed time. My overall experience was good.,
      Was this review helpful? 0
      , jaipur
      Reviewed on Oct 21, 2017
    • Bank Bazaar Home Loan
      "Better"
      0.5 3.0/5 "Satisfactory"
      My experience with bank bazaar was not satisfactory. When I approached bank bazaar for some products, my application did not go through because of the low credit score. however the same was processed by the bank it would be better if the above mentioned thing has been taken care off. On the other hand, The followups were good. As far the site is concerned it is easy to use.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Oct 21, 2017
    • Axis Bank Home Loan
      "Need proper response"
      0.5 4.0/5 "Great!"
      I have approached Axis bank for my home loan through online channel. My property was not finalized hence my application has been cancelled. The customer service is good but there were no proper followups from the bank. The rate of interest is also high.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Oct 21, 2017
    • Bank Bazaar Home Loan
      "Good Customer Service"
      0.5 5.0/5 "Blown Away!"
      As per Bank Bazaar commitment, I have service value added coupon worth Rs.5000 its amazing and happy about it. The home loan process was also good they connected with the bank on it. I have been using Bank Bazaar for four years its good site it has all option rather visiting to the branch.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 21, 2017
    • ICICI Bank Home Loan
      "They should be transparent in their process"
      0.5 4.0/5 "Great!"
      Everything is good in ICICI , expect the charges. They told they were not charging me extra, but they have 7000 to 8000 rupees from the disbursement as a processing fee. I have taken home loan of Rs. 22 lakhs for the tenure of 30 years but they have foreclosure option without any charges can close the loan.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 21, 2017
    • Bank Bazaar Home Loan
      "User friendly website"
      0.5 5.0/5 "Blown Away!"
      My service with bankbazaar.com is better. Last time I got a good response so I have continued the service for my home loan. The response was quick and good. The website was easy to use and navigate. I would recommend this website to my friends and family members.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 21, 2017
    • Axis Bank Home Loan
      "Good"
      0.5 4.0/5 "Great!"
      Axis bank is doing a good customer service. I have taken an amount of 9lakhs and 59K at the interest rate of 8.35%,interest rate is nominal. The executive collected the documents at the doorstep. They took long time to process my application.I make the payment through ECS.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 21, 2017
    • HSBC Bank Home Loan
      "Customer relationship should be there"
      0.5 4.0/5 "Great!"
      I am not satisfied with HSBC, I felt their rate of interest and charges was high. I took home loan at 2012, they charged me 9.2% and their was no response from customer response. They didn't reverse the interest after getting offer DBS bank, they ready to reduce the rate. But finally I done balance transfer to DBS.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 21, 2017
    • Bank Bazaar Home Loan
      "Userfriendly"
      0.5 5.0/5 "Blown Away!"
      I got immediately call and response from Bank Bazaar, I am 100% satisfied with them. I keep getting continuous follow thorough out the process. They connected with the bank on time, I am using online interface, its pretty easy to navigate and user friendly, what I need I could it over there.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 21, 2017
    • DBS Bank Home Loan
      "Looking for the better offer"
      0.5 3.0/5 "Satisfactory"
      DBS is really nice bank they offering good interest rate for the home loan. But relationship manger was not coordinated well with me . They taken almost two months to process the loan. They need to improve the service and documentation procedure should be faster and should provide loan letter to the customer on time.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 21, 2017
    • Bank Bazaar Home Loan
      "Better Experience"
      0.5 4.5/5 "Excellent!"
      I have taken a home loan through bankbazaar.com. I know this website through social media. I had regular followups from the customer service. The website is related to fin-tech products and very helpful to the customers. The website was easy to access and navigate.
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      , delhi
      Reviewed on Oct 21, 2017
    • HDFC Limited Home Loan
      "Good service"
      0.5 4.5/5 "Excellent!"
      I have a home loan from HDFC LTD and the process was good. The executive came to my place to collect the documents. The disbursement was on time.They have released the payment in a single shot. I am happy with the rate of interest. Overall it was a good service.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 21, 2017
    • Bank Bazaar Home Loan
      "Excellent"
      0.5 4.0/5 "Great!"
      This is my first experience with Bank bazaar. I am pretty satisfied with the service and responsiveness which was immediate and quick. Its a good platform for all financial products and Its recommendable also, The options like EMI calculator and FD calculator is very usefull. My overall experience was excellent.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 21, 2017
    • HDFC Limited Home Loan
      "satisfied"
      0.5 4.0/5 "Great!"
      I have approached for my home loan with HDFC LTD. Their rate of interest was 8.5% for 30 lakhs loan amount . The customer service and responsiveness was satisfactory. I have canceled the request since there was no immediate requirement as of now so just enquired.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 21, 2017
    • Bank Bazaar Home Loan
      "GOOD SERVICE"
      0.5 5.0/5 "Blown Away!"
      As a first time user it was a good experience with bank bazaar . The customer service was really amazing from the bank bazaar side . Within an hour I registered myself received the call from bank bazaar side and the executive explained me everything in detailed i like it actually and also website was good and user friendly .
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 21, 2017
    • HDFC Limited Home Loan
      "BETTER ONE"
      0.5 4.0/5 "Great!"
      It was good customer service from the HDFC ltd side for the loan I rarely received the call from the HDFC ltd. the rate of interest provided was too high of 11% and also the processing fee they told about was rs 3,500 . I actually arranged the money from the my sources so did not take it .
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 21, 2017
    • ICICI Bank Home Loan
      "BETTER SERVICE"
      0.5 5.0/5 "Blown Away!"
      Its been only a month I took a home loan from the ICICI BANK and customer service was actually great from their side as they gave me a rate of interest of 835% and processing fee charged as rs 3200 and also I got a full approval of the amount was given to me . It was a good experience I can say for this process .
      Was this review helpful? 0
      , nagpur
      Reviewed on Oct 21, 2017
    • Bank Bazaar Home Loan
      "BEST SERVICE"
      0.5 5.0/5 "Blown Away!"
      BANK BAZAAR is actually doing a wonderful job helping out the customer at its best . The customer service is great i received call within a day and the executive explained me everything in detailed manner which makes it easy for me to understand . The website was actually very user friendly for me easy to compare options and pick the best one .
      Was this review helpful? 0
      , nagpur
      Reviewed on Oct 21, 2017
    • Punjab National Bank Home Loan
      "GOOD"
      0.5 4.0/5 "Great!"
      The customer service was real good from the PNB Housing Finance . I meet the bank executive personally for the loan process and they gave me the information I required for . The rate of interest was about 8.35% which was good but the processing fee was about rs 5,000 every thing was good only , the builder helped me for the loan process from some other bank therefore I did not take the loan .
      Was this review helpful? 0
      , nagpur
      Reviewed on Oct 21, 2017
    • Bank Bazaar Home Loan
      "GOOD ONE"
      0.5 5.0/5 "Blown Away!"
      Bank Bazaar helped me out in a proper way . The customer service was really good and every thing was explained to me in detailed as it was my first time with bank bazaar , i was applying for something through your portal . It was a good experience and the website was real user friendly for me to use I liked it .
      Was this review helpful? 0
      , nagpur
      Reviewed on Oct 21, 2017
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