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    Home Loan - Features and Benefits

    Apply for a home loan with BankBazaar.com and fulfil your desire of owning a dream home. BankBazaar offers eligible customers home loans with feature-packed repayment schemes and simple documentation. Also Compare interest rates offered by different banks along with the processing fees and other hidden charges applicable in one place.
    Excellent customer service, quick processing and competitive interest rates makes BankBazaar a go-to place to apply for home loans. Furthermore, women borrowers who apply for home loans are offered comparatively lower interest rates. Avail home loan ranging from Rs.5 lakh to Rs.10 crore from Bankbazaar at lowest interest rates.
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    Bankbazaar Home Loan - Features and Benefits

    We found 38 Home Loan - Features and Benefits
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    9.0% - 9.50% Floating
    Up to 0.50% (min. ₹10,000 + GST) One time fee
    8L Min
    1-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.90% - 9.10% Floating
    0.25% (max. ₹11,800) One time fee
    5L - 10Crs
    3-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher 100% PAPERLESS APPROVAL
    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
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.95% - 9.15% Floating
    10000+GST One time fee
    -
    1-20 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.80% - 9.05% 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
    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
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.90% - 9.50% Floating
    0.50% PF (For Salaried) to 1%(min.3000)+Tax (for Self employed)
    12L - 5Crs
    1-20 Years (10 yrs plot loan)
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher
    What you'll love
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    Perks
    Fees & Charges
    Good To Know
    8.80% - 11.75% Fixed/Floating
    0.50% (min. ₹10,000) One time fee
    5L - 10Crs
    1-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    9% Floating
    ₹ 10000+ taxes One time fee
    50L - 5Crs
    1 - 25 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher
    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
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Think about
    Good to Know
    8.85% - 9.05% Floating
    0.25% (max. ₹11,800) One time fee
    5L - 10Crs
    3-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher 100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    9.25% Floating
    0.50% (min. ₹10,000)
    1Cr - 5Crs
    1-20 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
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    Home Loan BYTES FROM OUR KITCHEN

    Quick Guide on Home Loan

    Purpose: BankBazaar home loan offered by different banks can be taken to

    • purchase or construct on a property that you have already chosen
    • transfer your existing home loan to another lender
    • Home loan can also be availed in case you have not identified a property that you would like to purchase yet.

    5 Tips to Enhance Your Home Eligibility in 2019

    1. Pay Higher Down Payment
    2. Opt for Joint Home Loan
    3. Choose a Longer Loan Tenure
    4. Reduce Your Fixed Obligation to Income Ratio (FOIR) to 40-50%
    5. Build a Strong Credit Score

    How to Apply for Home Loan on BankBazaar?

    Follow Below Complete 10 Steps involved in the Home Loan Process.

    1. Fill up home loan application form: Click Here
    2. Check your home loan eligibility offers
    3. Submit your all required documents
    4. Have a call with our expert advisor or CS team
    5. Pick best Home Loan deal
    6. Payout Loan Processing Fees
    7. Property Investigation
    8. Then sanctioning your Loan and final documentation
    9. Signature and Acceptance
    10. Last, Home Loan Disbursement
    Home Loan

    Why to Apply for a Home Loan on BankBazaar.com?

    BankBazaar is India’s leading portal for financial services where different home loan offers from various banks can be compared at one place and applied for without having to visit any lending institution. Here’s what users can do:

    • Define loan parameters to receive free quotes, instantaneously, in an easy-to-understand manner.
    • Compare offers to identify the right lender to deal with.
    • At BankBazaar, interest rates are constantly monitored and updated to reflect the latest changes made by financiers.
    • Avail exclusive discounts and deals for huge savings through BankBazaar’s active collaboration with leading financial institutions and banks.
    • Check home loan eligibility online using BankBazaar’s home loan eligibility calculator and get immediate e-approvals.
    • Determine repayment amount as well as schedule using BankBazaar’s home loan EMI calculator which also provides amortization tables.
    • Browse user reviews to gain insights on service provided by various institutions.
    • Apply online for the chosen home loan product directly through the BankBazaar website.
    • Receive end to end guidance from a dedicated customer care team for smoother processing leading to quick disbursal of money.
    • Get regular status updates via emails and SMS for easy processing of your home loan.

    Key Features:

    • Eligibility: Both salaried and self-employed individuals between the age of 18 and 70 years can apply for home loan at BankBazaar.com
    • Loan Amount: Ranges from Rs.5 lakh to Rs.10 crore
    • Loan Tenure: Ranges between 1 - 30 years
    • Interest Rates: The floating home loan interest rates offered by Bankbazaar starts at 8.55%. Women borrowers are eligible for lower interest rates.
    • EMI: The Equated Monthly Instalments (EMIs) varies depending on the loan amount and loan tenure chosen by you.
    • Processing Fees: Ranges from Min. 0.25% to Max. 1.00% + Applicable Taxes

    Top Home Loan Providers:

    Banks and NBFCs such as HDFC Ltd., ICICI Bank, Axis Bank, Aditya Birla Capital & Indiabulls Housing Finance Ltd. are some of the top known home loan providers partnered with BankBazaar.

    Super Duper Deals Home Loan Offer On BankBazaar:

    • Offer Run Date: 1st February 2019 to 28th February 2019.
    • Offer on Home Loan: Get Rs. 5000 Amazon gift voucher on disbursal
    • Eligibility Cut-off: All home loan disbursed cases on or before 31st May'19
    Click Here to Apply

    Home loan Interest Rates – 20 Feb 2019

    The table below will let you examine the best floating & fixed interest rates from various banks/financial institutions in India according to the tenure of the home loan.

    As per the current rates, Karnataka Bank - ICICI Bank - Axis Bank offers the lowest home loan interest rates.

    Latest Updates on Home Loan

    Cooperative union feels property card impedes home loan applications

    18 February 2019

    It is now compulsory, according to the Government, to have a property card in order to be able to register property in Mangaluru. The institutions that distribute home loans, like cooperative banks, feel that it is a rule that proves to be more of an impediment. They say that this is because a number of people are yet to get property cards. This causes problems when they apply for home loans. They say that the Government should look into this issue.

    Home Loan Processing Fees:

    Banks generally charge a fee for processing your home loan request.

    • These charges vary with different banks.
    • This processing fee is non-refundable and is either a specific percentage of the loan amount or a fixed amount of money.
    • There are times when banks are willing to negotiate on the processing charges and lower this fee or waive it off completely depending upon certain terms and conditions.

    Below find noted banks offering lowest processing fees for their customers.

    • ICICI Bank: 0.25% (max. ₹11,800)
    • HDFC Bank: Upto 0.50% (max. ₹11,800)
    • Axis Bank: 0.50% (min. ₹10,000)
    • Aditya Birla: ₹5,000 to ₹10,000
    • Federal Bank: ₹3,000 to ₹7,500
    • IDFC Bank: ₹5,000

    *Applicable tax could be applicable depending on banks.

    How to Track Home Loan Application Status on BankBazaar?

    Bankbazaar allows you to track your home loan application easily.

    Types of Home Loans:

    Depending upon the type of property being purchased and the quantum of the loan being availed, home loans can be classified into the following different types. In India, banks and NBFCs generally offer home loans under any one of the following listed variants of housing loans.

    1. New Home Loans: New Home Loans are offered to eligible customers who are looking to purchase a house or property for the first time.
    2. Pre-approved Home Loan: Pre-approved home loans are offered by banks to eligible borrowers once his/her creditworthiness, income and financial position are taken into considerable for an in-principal approval of the loan.
    3. Home Purchase Loans: Home purchase loans are specifically given to borrowers looking to purchase a house or flat.
    4. Home Loan for Construction: Home loan for construction is offered to customers who are looking to construct their own house on an existing piece of land.
    5. Plot Loans: Plot loans are loans offered to customers looking to purchase a piece of land or plot for the purpose of constructing a house on it.
    6. Home Loan Top Up: Home Loan Top Up is a facility offered by most banks and NBFCs that allows existing customers to borrow a certain amount above and over the existing home loan.
    7. Home Extension/Renovation Loans: Home loans for extension or renovation of home are offered to borrowers who wish to renovate/extend their existing house/property.
    8. Balance Transfer Home Loan: Individuals can use the balance transfer option to transfer their home loan from one bank to another. Most people choose this option to avail better interest rates.

    Check Your Eligibility Criteria Before Applying for Home Loan:

    Home loans are secured advances and therefore the eligibility criteria for these loans is laid out differently by different banks. Here are some of the most important factors that feed into determining, how home loan eligibility is calculated and criteria for most of the banks in India.

    Criteria Eligibility
    Age
    • The applicant should be 21 years old or more in order at the time of application.
    • Repayments have to be completed before the age of 60 or 65.
    Employment The applicant should:
    • Be a salaried individual or self-employed (professional/non-professional) individual
    • Be in employment for at least 3 years of which current employment should account for at least 1 year
    Income Applicant must have a minimum salary varying between Rs.5-7 lakh, depending on the type of employment
    Residence Applicant must have at least one year of stay at the present residence to display stability with respect to employment and financials
    Credit Rating Applicant should have good credit score (A CIBIL score of 750-900 is considered a good credit score)

    Points to Watch Out for While Choosing a Home Loan:

    Buying a house can be one of the most important financial decisions of an individual’s life and as such there are a host of things that one needs to be careful about while availing home loan.

    Listed below are some of the most prominent points that should be kept in mind when one is looking to obtain housing finance.

    • Perform thorough Research: The first and foremost point which marks the beginning of any home loan application is finding about various home loan schemes in the market and the various banks and lending institutes that are running those. A thorough research will give not just specific details about different loan schemes but will also help you understand the various pros and cons that lenders might have.
    • Learn About Interest Rates: For any home loan borrower, there are two types of interest rates that they can choose from. These are fixed and variable interest rates. Choosing one of these and knowing why to choose it is a major step that determines your home loan repayments installments and the overall interest amount that you pay towards your home loan.
    • Find Out the Various Fees and Charges: Different banks charge different amounts as loan processing charges. Apart from this there are various other types of fees and charges that banks levy from their customers. Checking on these charges can help you save quite a bit of money when applying for home loan.
    • Check Your CIBIL Score: Credit scores of loan applicants pay a huge role in deciding the home loan eligibility. Applicants with a mediocre or a poor credit score may end up with their home loan application being denied or with a higher rate of interest being charged.
    • Understand Pre-Closure Terms and Conditions: Certain banks allow free pre-closure of home loans while other charge a specific pre-payment fee. Depending upon your preference, you should find out all about pre-closure terms and conditions and then apply for home loan with the bank of your choice.
    • Read the Fine Print Carefully: Reading everything that is listed in the home loan document that you sign should be your step as a host of tiny but crucial information is listed in the fine print that comes along with the document. Most home loan applicants get their loan agreement reviewed by a private lawyer so as to ensure that all terms and conditions listed in the document are in-line with their understanding of the financial product.
    • Understand Your Financial Stand: Availing a home loan scheme that suits your financial stand and zeroing in on a house that is well-aligned with financial capacity is a sure way to ensure a comfortable loan tenure. There are times when customers make the mistake of buying a property that is way too expensive for their pocket. At other times, customers may end up availing a loan that has installments which are too high for them to pay. Any such situation will lead to delayed repayments and thereby a higher final amount being paid to the bank as interest and fees.

    Top 6 Factors that Determine Home Loan Rates of Interest

    1. Prime Lending Rate (PLR): PLR is the point of reference interest rate that banks use to assess interest rates on different products. For instance, the home loan interest rate for a particular bank would be PLR + 0.5%. Assuming the PLR of the bank is 8%, the interest rate for their home loan product would be 8.50%.
    2. Cash Reserve Ratio (CRR): CRR is the minimum percentage of the total deposits made by the customers that the bank has to hold as reserves. This can either be in the form of cash or as deposits with the RBI. The higher the CRR, the higher the interest rate that a customer pays. This is because the amount of liquidity in the system reduced with an increase in CRR.
    3. Repo Rate: Repo Rate is the rate of interest at which the Reserve bank of India lends money to other banks. Quite naturally, the leaser the rate at which banks get their loan, the lesser the rate a customer pays. Therefore, the lesser the repo rate, the lesser the rate of interest for the end customers.
    4. Reverse Repo Rate: This is the exact opposite of ‘Repo Rate’. This is the rate at which banks lend to the Reserve Bank of India. The banks are very happy to lend to the RBI if the Reverse Repo Rate is high. This means that the bank would gain attractive profits, which may then be passed on to customers in the form of lower interest rates.
    5. Statutory Liquidity Ratio (SLR): SLR is the reserve required for commercial banks to maintain. SLR can be maintained in the form of gold, government securities, etc. Only after the SLR has been met can a bank offer credit to its customers.
    6. Benchmark Prime Lending Rate (BPLR): BPLR is the rate at which a bank lends money to its customers. The RBI in place the BPLR as banks often loaned money at extremely low interest rates. With this in place, no bank can lend below the BPLR. This can visibly affect the interest rate that the bank offers a customer. Higher the BPLR, the higher the interest rate that a customer has to pay.

    What is LTV? 

    Loan-To-Value is a ratio. This ratio is used to figure out how much of a loan a lender will finance. This is used as a way to assess risk in lending. There is a formula that is used to figure out the LTV and that is given here: 

    LTV ratio (in %) = (Amount being borrowed/Total value of purchase or property) * 100 

    Why is the LTV ratio important? 

    In order to understand the significance of this ratio, you need to know how this works. Let us consider an example for the same. Assume that the total value of the property that you wish to purchase is Rs.50 lakh. If the LTV ratio of the lender you are receiving the money from is 50%, then, you have to come up with the rest of the 50% yourself. That is, Rs.25 lakh will be financed by the lender and the other Rs.25 lakh is the amount that you will have to finance by yourself. 

    The LTV ratio is important for both banks and borrowers. Banks use it calculate if they are providing a loan for an amount that is lower than the property value. Also, even though it sounds counterintuitive, the lower the LTV ratio the better it is for you as a borrower. This is because, the lesser the amount that you borrow from the lender, the lower the total amount you have to repay. The interest will also be lower and will be due for repayment over a relatively shorter period of time. The more you borrow from a lender, the higher your total repayment and longer your loan tenure.

    Reasons for Home Loan Rejection

    • Builder not approved by the bank offering the loan
    • Builder has been approved but not the property
    • Rejections related to valuation
    • Defaulter tenants earlier
    • Issues with the credit history
    • Instability with employment

    How to Avoid Home Loan Rejection?

    It is clear that there can be several reasons for rejection of a home loan.

    • Maintaining a good credit score.
    • The best way to avail a home loan without any problem is by doing proper research about the property and builder.
    • A property that has disputes or a builder that is not approved by the bank can also lead to rejection of a home loan.

    Documents to be submitted differ according to the eligibility requirements. The following, however, are commonly requested for from all the applicants:

    • The application form which has to be signed and affixed with the specified number and size of photographs.
    • Proof of identity (Copy of Passport/Voter ID/PAN Card/Driving License).
    • Proof of address (Copy of latest Electricity Bill/Telephone Bill/Property Tax Receipt/Voter ID/Passport).
    • Last 6 months’ Pass Book/Bank Account Statement.
    • Business proof in case of non-salaried individuals.
    • Statement of Personal assets and liabilities.
    • Identification of signatures from present bankers.
    Documents Requested from Guarantors:
    • Identity and address proof.
    • 2 passport sized photos.
    • Proof of business.
    • Statement of Personal assets and liabilities.
    • Identification of signatures from his/her present bankers.
    Additional Documents Requested from Salaried Applicants:
    • Salary certificate from the employer (original).
    • Copy of ITR or Form 16 for last 2 years.
    Additional Documents Requested from Non-Salaried/Self-Employed/Professionals/Other IT Assesses:
    • Copy of challans proving that Advance Income Tax has been paid.
    • Copy of ITR/Assessment Orders of 3 years.

    Apart from the rate of interest that is charged on home loan products, there are various fees and charges that are applicable to housing finance offered by different banks. These charges may differ in value from one bank to another, however, the types of charges remains the same for almost all banks.

    • Late Payment Charges: Late payment charges are levied by the bank if the home loan borrowers has failed to pay the loan EMI on time.
    • Pre-Payment Charges: This fee is typically levied when any home loan customer repays his/her home loan prior to the stipulated home loan tenure. Though, most banks have stopped charging any kind of fee for pre-closure of home loans, some banks still charge some percentage of home loan balance as pre-payment charges.
    • Conversion Charges: Conversion charges are levied when a borrower wishes to switch his/her home loan from floating rate to fixed rate or vice versa. The charges applicable shall be based on the principal outstanding amount of the loan.
    • Legal Fee: Legal fee is charged in order to pay the lawyer who does the task of verification of property that is being bought with the loan amount. Most banks do not have in-house lawyers and as such pay fees and recover it from home loan customers.
    • Administrative Fee: Some banks charge administrative fee separately from the processing charges. This fee is levied to pay for the administrative cost that the bank incurs for processing of home loan application.
    • Statement of Account: One copy of home loan statement is provided by the bank free of cost, more than that is chargeable. This fee is generally specific to the bank and hence varies from one bank to another.
    1. When do I make my home loan application?

      There is no particular right time for making your home loan application. As soon as you have figured out your budget and zeroed down on the property that you want to buy, you should apply for home finance.

    2. Is visiting the lending bank compulsory to avail home finance?

      Yes, mostly. Although a lot of loan processing work has been shifted to online platforms, still a loan applicant is required to visit the lending bank branch at least once to formally close the loan processing formalities. Many private banks have started sending their representatives to borrowers’ place to get documents and forms signed and verified.

    3. Will the lending bank provide the entire cost of the property that I wish to buy?

      No. Generally, banks only lend 80% of the cost of your property. The rest 20% is to be borne by the loan borrower. However, to ease out the process for customers, most banks have broken up this ration into 10-80-10 so that at the time of availing the loan, customers are only required to pay 10% of the total cost and the rest is paid by the bank.

    4. When does the repayment period start?

      Repayment of loan starts after the entire home loan is disbursed to the borrower. In case of under-construction properties banks allow payment of the partially disbursed amount. Towards this partially disbursed loan amount, customers are free to either repay the principal and interest amount both or just the interest amount or none at all.

    5. Can loan repayment be made ahead of schedule?

      Yes. All banks allow pre-payment of home loans. Some banks charge a pre-payment fee for that while others do not.

    6. Do I have the right to choose between base rate and MCLR for my home loan request?

      Current home loan borrowers who have a running home loan account can choose to continue with base rate or switch to MCLR. New home loan borrowers need to avail the new MCLR rates which are subject to change every set interval of time as mandated by the RBI.

    7. How long does it take for home loan to get sanctioned?

      Your home loan will get sanctioned as soon as all the required documents are submitted and verified successfully. This may take anywhere between 10 to 30 days.

    8. Do I get to avail tax benefits on home loan?

      Yes. Home loans are a great instrument to avail tax benefit. This is offered to both the interest and principal components of home finance. Under section 24(1) interest repayment of Rs.1,50,000 is eligible for exemption and on the same housing loan a principal amount of Rs.1,00,000 is eligible for exemption from tax.

    9. What is meant by EMI?

      EMI stands for Equated Monthly Installments. An EMI is made up of two components, principal and interest. Any loan availed by a borrower is repaid in EMIs over the loan tenure.

    10. What collateral do I need to furnish as security?

      Since home loan is a huge loan amount and the tenure also is long, hence, almost all banks ask borrowers to furnish some collateral as security against the loan. This include the papers of property for which loan is being sought, some other property papers, any fixed deposit schemes or insurance schemes etc. that are on the loan borrower’s name.

    11. Can I apply jointly for a home loan with my spouse? Will both our incomes be considered for loan quantum?

      Yes. You can apply jointly in your and your spouse’s name. Both of your incomes will be considered for determination of loan quantum.

    12. What documents do I need to submit to avail home loan in India?

      Generally, all banks ask for proof of address, proof of identity, bank account statements and salary details from home loan borrowers. This list may differ a bit from one bank to another.

    13. How can I make EMI payments against my home loan?

      Home loan EMI payments can be made to the bank either by using offline channels like cheque, demand draft and cash or by availing the net banking facility that all banks offer to their home loan customers. Post dated cheques and Standing Instructions are another popular way to make EMI payments.

    14. If I deposit my property documents as security with the bank, when will I get those back?

      Any property document that you submit as security collateral is returned to you only once the entire home loan amount is repaid and the home loan on your name is closed.

    15. Can I avail home finance for renovation or construction of house?

      Yes. Home loans are offered under various sub-heads. Housing finance for renovation of property or construction of house is also offered by all major banks in the country.

    16. Can I switch from fixed to floating rate of interest and vice versa during the tenure of my home loan?

      Yes. Most banks allow switching between fixed and floating rates. However, customers may be charged a particular fee for the same.

    Home Loan - Sitemap

    Home Loan Reviews

    • review Home Loan
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      TATA FINANCE is the institute where i have taken the housing loan but the charges are higher with this as the rate of interest is higher, processing fee is also applicable while documentation process. The pre closure charges also higher. They have given the loan amount which is sufficient.
      Was this review helpful? 2
      , pune
      Reviewed on Feb 18, 2019
    • Canara Bank Home Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      My home loan experience was good with Canara bank, the process was smooth and i received my loan amount on time. Customer service was good and their response was on time. Rate of interest was nominal and the tenure period is for 7-8 years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 18, 2019
    • SBI Home Loan
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      SBI housing loan experience is good, I took the amount of Rs. 50 lakhs for the duration of 30 years. I got the best interest rate around 8.6% its a floating interest now 8.5%, they gave me the part payment option but I haven't tried because its been one year now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 18, 2019
    • HDFC Limited Home Loan
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had taken this loan a while back and the experience i had with them was fine and the loan amount which they had provided has been sufficient. The interest rate with them has been competitive and the charges where also nominal withe market. Their customer support has been responsive at times.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 18, 2019
    • DHFL Home Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The experience i had with this loan was quite good and the loan amount which they had provided has been sufficient as well. But the interest rate with them was very high and they had also taken extra charges. Their customer support has been fine and has been helpful.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 17, 2019
    • HDFC Limited Home Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The time when i was looking for a Home loan i had applied with HDFC and my application was taken care. There was a proper follow up and my application was processed on time. Interest rates are it nominal with HDFC. The tenure period is 20 year . ..
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2019
    • Standard Chartered Bank Home Loan
      "Till date no hassles"
      0.5 4.5/5 "Excellent!"
      I have taken my home loan with Standard Chartered Bank. The customer services are good. I got a good response as well. The rate of interest and processing charges are normal. In all it has been a good experience and the after loan services are also hassle free.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 16, 2019
    • Axis Bank Home Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I recently applied for housing loan with AXIS bank, as per my experience they have given me good service, the loan was instantly got approved, and the loan amount which they have given me was sufficient, and the rate of interest they have charged me was nominal,and the rate of interest is not fixed.
      Was this review helpful? 1
      , mumbai
      Reviewed on Feb 16, 2019
    • review Home Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I had been holding my personal loan with GIC housing finances. The loan amount which they have given me was sufficient,but the rate of interest they have charged me was high compare to other bank, and even they have charged me high processing fee, they have charged me up to 1.5% on loan amount.now i have successfully closed this bank account.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 16, 2019
    • ICICI Bank Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The experience i had with them in getting this Home loan and the process was pretty smooth. The loan amount which they had provided has been sufficient and the interest rate with them has been nominal as well, where there has not been any sort of additional charges which they had made so far.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 16, 2019
    • IIFL Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My home loan experience was good with IIFL.The loan amount was based on my requirement and the rate of interest was nominal when compared to others in the market. Customer service was good and they responded on time. Tenure period for this loan is 20 years.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 16, 2019
    • HDFC Limited Home Loan
      "Hassle free experience"
      0.5 4.0/5 "Great!"
      HDFC Limited sanctioned Rs.19 lakhs for 30 years, they have balance transfer, part payment and preclosure. The process was quick with less paper work everything happened in smooth manner, I can track the loan history through netbanking.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 16, 2019
    • SBI Home Loan
      "Need to improve the process"
      0.5 5.0/5 "Blown Away!"
      I have bought my home loan from State bank of India. When i compared with the other bank regarding the interest rates they have provided the low interest rates. Since its a leading loan in India, whatever the interest updates and Policy changes its effect first in this bank. They have taken more than 1 month to sanctioned the loan.
      Was this review helpful? 4
      , bangalore
      Reviewed on Feb 16, 2019
    • HDFC Limited Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been a good experience i had with this loan where the loan amount which they had provided has been sufficient. The interest rate with them has been pretty nominal and the charges which they had made has been nominal as well. Their customer support has been quite helpful and has been responsive.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Feb 15, 2019
    • Axis Bank Home Loan
      "Process is good"
      0.5 5.0/5 "Blown Away!"
      My home loan is with Axis Bank and the process to get the loan is good. The disbursement happened on time and the customer support and response is good. The documentation was also a smooth process. The rate of interest and processing charges is normal.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 15, 2019
    • SBI Home Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I took my home loan in State Bank of India before 3 years. I have purchased a residential property. I am satisfied with the interest rate and there was a minimum processing fee. The loan process was okay and they have offered me a good service. The loan duration is 15 years.
      Was this review helpful? 2
      , kolkata
      Reviewed on Feb 15, 2019
    • Punjab National Bank Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The experience i had in getting my Home loan through them has been quite good. It was a pre approved loan and the loan amount has been sufficient as well, the interest rate with them has been nominal when compared with the market rate. There has not been any sort of extra charges which they had made so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 15, 2019
    • SBI Home Loan
      "Government subsidery hence they will implement updates immed"
      0.5 4.5/5 "Excellent!"
      Taken my home loan from SBI. Customer care service is not that much but the interest rates were pretty much good. There is so simple process but when i applied the loan they have asked for lots of documents individually and it took more time to get the loan. They have given me a interest rate of 8.5% and they have not taken any processing fee.
      Was this review helpful? 2
      , bangalore
      Reviewed on Feb 15, 2019
    • SBI Home Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have taken a home loan with SBI and my experience was good, the loan amount was sufficient and the rate of interest was nominal when compared to other banks. Customer service was good with this bank. Tenure period is 15 years out of which 3-4years is completed. I make my EMI payment through online.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Feb 15, 2019
    • DHFL Home Loan
      "Average"
      0.5 2.0/5 "Expected more"
      I took a home loan from the DHFL FINANCIAL INSTITUTION . I got the loan with in few days. The application process and the documentation was not so easy and i am not that satisfied with their services . Loan amount what they gave was satisfactory . The tenure period is 12years .
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 15, 2019
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