A "low interest" loan shouldn't mean you have very little interest in paying it back!
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    Home Loan - Apply Now

    Apply for home loan with BankBazaar and fulfil your desire of owning a dream home. Excellent customer service, quick processing & competitive rates makes BankBazaar a go-to place to apply for home loans - Get Rs 5000 GiftCard On Disbursal.
    Bankbazaar Home Loan - Apply Now

    We found 38 Home Loan - Apply Now
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    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
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    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
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    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
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    8.90% Floating
    10000+GST One time fee
    -
    1-20 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher
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    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
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    8.75% - 11.0% Floating
    Up to 0.5% One time fee
    2L - 3Crs
    1-30 Years
    Response Time : Within 30 minutes
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    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
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    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
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    9% Floating
    ₹ 10000+ taxes One time fee
    50L - 5Crs
    1 - 25 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher
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    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
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    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
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    9.25% Floating
    0.50% (min. ₹10,000)
    1Cr - 5Crs
    1-20 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher
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    Home Loan BYTES FROM OUR KITCHEN

    Home Loan - Features and Benefits

    Apply for 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.

    As per the current rates, Dena Bank - SBI - BOB - Canara Bank - IDBI Bank - Aditya Birla Capital - Karnataka Bank - Indiabulls - HDFC - Axis Bank - ICICI Bank offers the lowest home loan interest rates.

    • Dena Bank: 8.25% - 8.35%
    • SBI: 8.30% - 8.65%
    • Bank of Baroda: 8.30% - 9.35%
    • Canara Bank: 8.35% - 8.55%
    • IDBI Bank: 8.35% - 8.65%
    • Aditya Birla Capital: 8.55%
    • Karnataka Bank: 8.60%
    • Indiabulls: 8.75%
    • HDFC Bank: 8.80%
    • Axis Bank: 8.80%
    • ICICI Bank: 8.90%

    Super Duper Deals Home Loan Offer On BankBazaar:

    • Offer Run Date: 1st January 2019 to 31st January 2019.
    • Offer on Home Loan: Get Rs. 5000 Amazon gift voucher on disbursal
    • Eligibility Cut-off: All home loan disbursed cases on or before 30th April 2019
    Click Here to Apply

    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

    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.

    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.

    Home loan Interest Rates – 20 Jan 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.

    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.

    Home Loan

    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
    2. Check Your Loan Eligibility Offers
    3. Submit Your Documents
    4. Have a call with our expert advisor.
    5. Pick best Home Loan deal
    6. Payout Loan Processing Fees
    7. Property Investigation
    8. Sanctioning Your Loan and Final Documentation
    9. Signature and Acceptance
    10. Home Loan Disbursement.

    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.

    How to Track Home Loan Application Status on BankBazaar?

    Bankbazaar allows you to track your home loan application easily.

    • All you need to do is go to the ‘Track Your Application Status’ page i.e /verifyOwnershipForm.html
    • Enter the Application ID.
    • Click on ‘Track Application’ and know the status of your home loan application.

    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.

    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

    • DHFL Home Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have a home loan with DHFL INSTITUTION . I got option of preclosere and it is very nominal . The process to get the loan is fine. The rate of interest is fine even processing fee nominal . The loan was provide on time and the documentation was collected on time too. I received the loan amount as expected.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2019
    • ICICI Bank Home Loan
      "Useful for private employee people"
      0.5 4.0/5 "Great!"
      In 2006, I have taken my housing loan with ICICI Bank. During that time, they have assured me a lower interest rate hence i have chosen them. After 1 year, they have increase the interest rate which is higher than other bank hence i have done the pre-closure. Processing fee and interest rates were very high.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 18, 2019
    • Bank of Baroda Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The experience i had with this loan has been quite good where the process was very simple and smooth. The loan amount which they had provided has been sufficient and the interest rate which they offered me was very less when compared with the market rate. The charges which they had made has been nominal as well.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jan 18, 2019
    • Indiabulls Home Loan
      "Good loan services"
      0.5 4.0/5 "Great!"
      In March 2018, I have applied the home loan with India bulls. My friend has recommended about the indiabulls loan. They have given me a interest rate of 8.35% and I'm happy with it. I have received the loan in 20 days. I have no idea about the processing fee. Total tenure period the loan is 20 years. I am making the EMI through ECS.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 18, 2019
    • Canara Bank Home Loan
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It was quite a good experience with this home loan, the interest rate with them was a little high initially but it has been reduced afterwards. There has not been any hidden charges which they had made and the processing fee has been very nominal. Their customer support has been excellent in guiding in everything.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 18, 2019
    • SBI Home Loan
      "Good in Service"
      0.5 3.0/5 "Satisfactory"
      When i was looking for a home loan, I had applied with with SBI . When i had submitted the documents , my application was taken care and it was processed. There was no delay and processing was on time. Interest rates are reasonable compare to the market value.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Jan 18, 2019
    • LIC Housing Home Loan
      "Interest rate should be flexible"
      0.5 4.0/5 "Great!"
      LIC housing is providing good interest for home loan, but when govt reversed the rate of interest, I got higher percentage and they have taken some processing fee from the disbursement. But they didn't give any insurance. Anyway LIC housing has balance transfer, part payment and foreclosure option.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 18, 2019
    • SBI Home Loan
      "Best financial service"
      0.5 5.0/5 "Blown Away!"
      I have taken home loan from State bank of India where i have transfered the loan from other bank . Where they are giving satisfying rate of interest . There is nominal charges for the processing fees for the documentation . Am pretty much satisfied with the rate of interest which they have provided.
      Was this review helpful? 1
      , pune
      Reviewed on Jan 18, 2019
    • Kotak Home Loan
      "Best financial service "
      0.5 5.0/5 "Blown Away!"
      I have taken Housing loan from the Kotak mahindra bank , They have given Fair rate of interest based on the market price . They did instant approval process as fast as they can do . . There is no nominal processing fees as every bank i used to charge which is minimal .Overall am satisfied with the financial service .
      Was this review helpful? 0
      , pune
      Reviewed on Jan 18, 2019
    • Axis Bank Home Loan
      "Right bank to fulfill your dream home"
      0.5 3.0/5 "Satisfactory"
      Last August i have purchased my home loan from Axis Bank. Since the rate of interest is less and I'm existing customer of Axis bank for last 11 years hence i have chosen them. Processing fee was nominal. I have applied the loan amount of Rs. 22 lakhs which is sanctioned bit delayed.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 18, 2019
    • SBI Home Loan
      "Very Good Service"
      0.5 4.5/5 "Excellent!"
      It was quite a good experience with them, where the loan amount which they had provided has been sufficient, the service charges where nominal. The interest rate with them has been less when compared to other banks. There has not been any charges additionally and the customer support of them has been helpful as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 18, 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? 1
      , kochi
      Reviewed on Jan 18, 2019
    • Citibank Home Loan
      "Can do better"
      0.5 3.0/5 "Satisfactory"
      Ten years back I took home loan from Citi Bank at that time, the interest is higher and I done lots of documentation. CITI bank deal is not good, I done the foreclosure but I didn't pay any extra fee. They do have balance transfer, part and foreclosure options.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 18, 2019
    • Bajaj Finserv Home Loan
      "Bajaj Finance / Fineserv are CHEATERS"
      0.5 0.5/5 "Unacceptable"
      Bajaj Finserv and finance makes false promises and then cheat the customer. They should be punished for doing it. They are terribly horrible. Don't go for any products or loans from Bajaj, they will certainly cheat you in some way and won't care about you once they have collected their fees and start increasing interest. Customer feels helpless and frustrated.
      Was this review helpful? 1
      , pune
      Reviewed on Jan 18, 2019
    • ICICI Bank Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using my home loan with ICICI bank,they have given me sufficient loan amount,and the rate of interest they have charged me up to 8.9% it is not fixed,it varies according to market rate, and they have not charged me processing fee as it is zero processing fee, and the loan is still running,overall service is good.
      Was this review helpful? 2
      , new delhi
      Reviewed on Jan 17, 2019
    • IDBI Home Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using my housing loan with IDBI bank, they have given me sufficient loan amount, and the rate of interest they have charged me up to 8.45% which was nominal for me, and the processing fee they have charged me was nominal, and still my loan is running,till now i had good experience.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 17, 2019
    • SBI Home Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I had taken my housing loan with State bank of India, the loan amount they have given me was sufficient but was below to my expectation ,was okay for me , and the rate of interest they have charged me was nominal,and the processing fee they have charged me was very nominal,there overall service was good, now my loan got closed.
      Was this review helpful? 2
      , chennai
      Reviewed on Jan 17, 2019
    • Bank of India Home Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been using my housing loan with Bank of India, there service was good ,they have given me sufficient loan amount, and the rate of interest they have given me was up to 8.5% now,the rate of interest is not fixed it use to fluctuate according to market price, and the processing fee they have charged me was nominal,there mobile application and net bank is good, there application is user-friendly,but if i took loan from Hyderabad bank but i am in Bangalore branch then they will not help me out in this only on that bank they will be helping out if i had any issue or query.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2019
    • Bank Bazaar Home Loan
      "It was a good experince and very easy to reach them and talk"
      0.5 3.5/5 "Pretty good"
      I feel very good. Bank Bazaar approve my loan. I got a call from Bank Bazaar customer service. They will help me provide me loan. Customer service agent also very polite and well behaved. I think this Company provide very good service and they help people a lot. It was a good experience and very easy to reach them and talk them and also you can easily apply their staff is also very good.
      Was this review helpful? 2
      , delhi
      Reviewed on Jan 16, 2019
    • SBI Home Loan
      "Good Experience for Housing loan"
      0.5 4.0/5 "Great!"
      SBI is best for the home loan, they come down to 9% of interest its good compared to private sectors. The documentation verification is very easy and very secured as well. Even the bank gave me balance transfer, pre closure, part closure options.
      Was this review helpful? 4
      , mumbai
      Reviewed on Jan 14, 2019
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