Home loans in Kolkata are available at interest rates ranging between 6.90% p.a. and 11.50% p.a. The loan providers offer a number of housing loan products which are accompanied with the benefits of nominal processing fee and flexible loan repayment tenure. If you are a self-employed or a salaried individual who stands eligible, you can apply for a home loan.
Home Loan Interest Rate in Kolkata
Interest Rates
6.90% p.a. to 11.50% p.a.
Processing fee
As per the terms and conditions of the bank
Maximum Loan Amount
As per the terms and conditions of the bank and the eligibility of the applicant
State Bank of India (SBI), Bikash Bhavan, D F Block, Sector II, Bidhannagar, Kolkata, West Bengal, Pin – 700 091
Canara Bank
Canara Bank, 3, Park Street, Colootola, New Market Area, Dharmatala, Taltala, Kolkata, West Bengal, Pin – 700 016
HDFC Bank
HDFC Bank, P 34, Shah House, India Exchange Place, Dalhousie, Kolkata, West Bengal, Pin – 700 001
ICICI Bank
ICICI Bank, 3, Gurusaday Dutta Road, Rowland Row, Ballygunge, Kolkata, West Bengal, Pin – 700 019
IDFC FIRST Bank
IDFC First Bank, 1st Floor, Saket Building, 44, Park Street, Mullick Bazar, Ballygunge, Kolkata, West Bengal, Pin – 700 016
PNB Housing Finance Ltd.
PNBHFL, 2nd Floor, South Block, Premises No. 7, Kyd Street,
Kolkata, West Bengal, Pin – 700 016
Axis Bank
Axis Bank, No. 3/1/2, Ground Floor and 1st Floor, Armenian Street, PS, Bara Bazar,
Kolkata, West Bengal, Pin – 700 001
Eligibility and Documents Required
Purpose
Eligibility
Documents Required
Age
18 years to 75 years (differs from bank to bank)
PAN card, voter ID, passport, or driving license
Residency
Resident of India
PAN card, voter ID, passport, or driving license
Employment
Self-employed or salaried
Employee ID
Income
Salaried – From Rs.10,000 p.m. Self-employed – From Rs.1.8 lakh p.a.
(differs from bank to bank)
For salaried:
Last 3 month's salary slip
Last 6 month's bank statements
Last 2 yea'r’ Form 16 and IT returns
For self-employed:
Previous 3 year's income tax returns
Previous 3 year's profit & loss accounts with balance sheet
Last 12 month's bank statements
Note: Documents required are indicative and applicants might be asked to provide additional documents as per the requirement of the bank.
Building your dream house in the ‘City of Joy’ is no longer just a dream. With a plethora of housing loans being offered by a host of loan providers in Kolkata, you can now easily avail one to build your dream house. You can also visit BankBazaar.com to find out the best deals as per your eligibility and make the most out of it. To compare and apply, visit the official website at www.bankbazaar.com.
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My home loan was taken from LIC Housing because their processing time and charges are less but interest rate is little bit high when i compared to other Government banks. They have taken 1 week to sanctioned the loan. Documentation process is as usual like other banks. They have provided me a interest rate of 8.45%.
I have taken home loan directly through Development credit Bank.This loan is still active on my account .The rate of interest and the processing fee was very high that was the issue.I have submitted the required documents through the agent .I have taken this loan to buy plot.
I have availed home loan directly through ICICI Bank .The rate of interest and the processing fee was very less.This loan is still active and i have not received the loan on time. It took almost 1-3 months very long process and i went to bank and given all documents. Customer service need to improve and it is not recommended .
theybhelped me transfer my loan. they r much focussed on small documents and delayed due to it but deliveredat last. got my emi reduced by 3000/- approx. the agent concerned was verybhelpful and collected all details from my home. it was actually home based home loan.
the office staff are very bad behaving with customers. LICHFL is very fraud, corrupt to the core and worst organisation. they even wanted money for the closure/balance transfer of loan. employee named piyali das posted at chowringhee sq branch was involved with the branch manager. they ensured the delay of my loan transfer on arious pretexts. i mailed to agm. no respinse. no body listens there to customers. the rae of interest never falls once youbtake loan. is advised to beware of their trap.
I have availed home loan directly through ICICI Bank .The rate of interest and the processing fee was very less.This loan is still active and got the loan amount on time without any delay.I have just uploaded the documents throuhg online .I am really satisfied with the service.
Chosen my home loan from HDFC because of the low rate of interest. I bought the loan amount of Rs. 30 lakhs and they took around 1 month to sanctioned this loan. They have provided me an interest rate of 8.9%. I have been paying the EMI amount of Rs. 28000 per month for the duration of 20 years.
Bajaj Housing Finance tries all tricks to loot me -
1. Just before disbursement day, they hiked the Processing fee and increased the interest rate
2. After EMI stated, they suddenly hiked the EMI for one month by 20,000 due to a system issue at their end.
3. They arbitrarily deduct charges from your bank account in small amounts without telling and authorizations and randomly through a month.
4. Customer service and its Head are completely nonchalant and they fake ignorance.
5. It takes 5-6 months to resolve one issue. By that time, they will create another issue and you spend the next 5 months chasing them for its resolution.
Beware the NBFCs for housing finance. Its always better to go to the leading banks.
Taken my home loan from State bank of India. In the year of 2016, they have sanctioned the loan within 15 days to 20 days. Loan amount is near about Rs. 34 lakhs and the interest rate is 8.2%. My salary account is lying with SBI therefore i got the loan from SBI. I have been paying the EMI amount of Rs. 35000 every month and i have selected the tenure period of 18 years.
I have applied for one more credit card with HDFC BANK so have told Indusind Bank to cancel the card because I was comfortable with the benefits of HDFC card. There is no clarity on the documentation part. They did not disclose the interest rate.
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MOHAMMED YOUSUF
, kolkata
Reviewed on Sep 09, 2019
I have a home loan with Indiabulls because this is the only option I got it and my company pays me the salary through cash. The services are very good. The interest rate is floating and so far its good. Sometimes I pay less and sometimes pay more, its equitable. They charged me a processing fee closed to 7K for loan amount of 17L in 2 parts.
I haven't touch with the India bulls customer care service. Taken my home loan from Home loan because the sales executive offered me this loan. I got the loan amount of Rs. 17 lakhs and i'm paying the EMI amount of Rs. 12000 every month. I have chosen the tenure period of 25 years.
The rate of interest is low at the time of taking a loan when i compared to other bank and also they have a fore-closure options hence i have taken my home loan from ICICI bank. It was a 5 years loan and i have paid the entire amount in 2 years. The loan amount was Rs. 15 lakhs and they have provided me a loan within 20 days.
I availed home loan from Bajaj Finserv, right now they gave 8.45% of interest per annum. I took the loan amount of Rs. 35 lakhs its has the duration for 22 years. Earlier I had charges from SBI then I moved to Bajaj Finserv because of the huge interest.
I have taken a home loan in PUNJAB NATIONAL BANK on 2 years before which was processed directly to bank. The loan amount was sufficient which was given from bank for the tenure of 19 years. The rate of interest is 9.7 which is high. The processing fee also high for this loan. The customer service is no proper response.
I have taken my home loan with United Bank of India. 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.
I have taken my home loan from State bank of India. They are sending the mail regarding the offers. The interest rate is less and i get a quick response hence i have chosen them. Took the loan amount of Rs. 7 lakhs for that they have offered me a interest rate of 9.72%. I am paying the EMI amount of Rs. 6000 for the tenure period of 18 years.
I have applied for HDFC LTD Home Loan through Online .I have not got any information about the loan process through the agent ,I have not got any information about the rate of interest and the processing fee .I have not taken this loan since there was no proper response and not satisfied with the service .
I have applied a home loan from HDFC Ltd. Application under process. I have submitted all the documents. Rate of interest is really high. My required loan amount is only 5 lakh. They are charging processing fee of Rs. 4500. HDFC Bank customer service is great.
I was applied for a home loan in HDFC limited on a previous month. The loan amount which was offered from bank was low for the tenure of 20 years. The rate of interest and processing fee are high. The verification process was delay. Due to rate of interest was high I have closed the loan process.
