Jaipur, a historic city in the state of Rajasthan.Quite simply, it’s the tenth largest city in the country and is a major destination for global outsourcing companies. That’s the reason there’s a lot of affluence, especially amongst the younger generation that lives here.
Home loans, also known as mortgages, use the borrower's home for collateral. This home can be a single-family house up to a four-unit property, as well as a cooperative unit. Lenders fund home loans, but both the lenders themselves and brokers who act on behalf of the lenders originate, or process, them.
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I have applied a Home loan through online. My application canceled by HDFC Limited because my net salary is Rs. 25k they said its not sufficient for the loan approval. Customer service was not so good, not so bad, it is average. I think, the rate of interest was 8-10%.
I had applied for a home loan with ICICI Bank. They have taken my documentation and also completed the verification as well. The loan amount was Rs. 8.75 lakhs and the rate of interest was 8.6% i am happy with the interest.I received this loan instantly and i applied this loan through online channel.There is no pre closure charges.
I have taken home loan directly through Home First Finance company India Pvt ltd.I have got the loan on time and the rate of interest was nominal .The documents was less and the agent clearly explained the loan process very clearly . This loan s still active and paying the premium.
I got the great experience in Bank of Baroda. I just visited the branch once and they have given a home loan on time. When i shifted to different place, i was planning to pre-closure the loan at the time the staffs are helpful. I bought the loan amount of Rs. 18 lakhs with the tenure period of 15 years but it got closed in 10 years.
HDFC home loan service is excellent because they are very transparent in giving the details. Their process is very clear. I bought the loan amount of Rs. 15 lakhs and it was taken for 20 years and the EMI amount was Rs. 15000 but i pre-closed the loan by last year. There is no hidden charges.
My home loan was taken from ICICI and they have deducted my EMI even before given the cheque to me. I have taken the loan amount of Rs. 40 lakhs in the year of 2012. Even before given the cheque to the builder they have taken the EMI amount of Rs. 55000 except processing fee. The loan has a tenure period of 10 years.
I arranged the money from other source hence I didn't take the home loan from HDFC Ltd but the drawback is they have higher rate of interest. However my expectation is upto 8 of interest hence I didn't go head for further procedure. It would be great if they reduce the rate of interest, that would be more convenient for the customer.
I have applied for HDFC Ltd Home loan through Online and got all the required information about the loan process through the agent .I am unable to avail this loan since my Mother passed away due to this reason cancelled the plan.I have submitted required documents as well.I have received proper follow up and response form HDFC Ltd.
My experience is very bad with the aavas finance home and it was taken 1105000 and rate of interest is 18% am paying only interest amount is 16565. when aavas finance executive meet me about the loan regarding tell me only 14% rate of interest but after loan payment bank cheat with me.
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Ravindra kumar meena
Reviewed on Aug 29, 2019
I have taken a housing loan with IDBI BANK before many years ago to purchase the land and I felt, its not so customer friendly. The processing fee is applicable and its on higher side. I had foreclosed the loan and they have charged me very high like 3% on the outstanding amount.
I have taken Home loan directly through ICICI Bank .The rate of interest and the processing fee was nominal .I have applied for the loan amount of 27 lakhs for the tenure of 18 years .I have got the loan amount on time and it was sufficient as well .While submitting the documents there was no drawbacks .
I have taken a home loan in STATE BANK OF INDIA on 6 years before. The loan was applied directly to bank which was sanctioned on time and process was easy. I received with sufficient amount for the tenure of 15 years. The rate of interest and processing fee are 9% bit high.
I was applied for a home loan in PNB HOUSING FINANCE LIMITED one month before through an online process. The rate of interest and processing fee are not intimate from bank. The loan amount was sufficient for the tenure of 25 years.Due to bank norms has not met process was closed.
I had applied for a home loan from HDFC ltd. The application got declined as my credit score is low. So, i arranged the money from another source. Loan amount was sufficient. Rate of interest was high and processing fee was applicable. HDFC banks's customer service is good.
I was applied for home loan in HDFC bamk one month before which was processed through an online. The loan amount was sufficient for the tenure of 10 years. Took delay to get a call from banker for verification process. The rate of interest and processing fee are high, due to personal reason I have closed the loan.
I just visited the only once to apply for the home loan and my builder has a tie up with the corporation bank. I have availed the loan amount of Rs. 30 lakhs. They have asked me to submit the 6 month monthly statement and Form 16 once i submitted the all documents, they have sanctioned the loan in 1 day. They have given me a interest rate of 11.75% at the time of purchased and the same has been reduced upto 8.66%
I had applied for home loan from Punjab National Bank. I closed the application temporarily due to rain. I will reopen it after Diwali. PNB's customer service is great and verification process was very fast. Loan amount is sufficient for me and rate of internet is also ok.
I have applied for HDFC ltd Home loan through Online ,I have not taken this loan since the rate of interest and the processing fee was very high.I have submitted documents also and after that changed the plan of taking this loan .There was no difficulties faced when applied for this loan .
I have been using my housing loan with HDFC LTD from long time, the loan amount which they have given to me was good, it was sufficient as per my requirement i got, but after valuation property i found it was less, the rate of interest they have given to me was 8.65% which was nominal, the interest rate use to varies , still this loan is running.
I was taken a home loan in SBI bank. When I was applying for a verification myself have to reach the branch often no there will not be proper customer service. They made delay process for the loan. The rate of interest is nominal. Then I have done loan transfer to another bank.