A "low interest" loan shouldn't mean you have very little interest in paying it back!
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    We found 37 Kolkata Home Loan
    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
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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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    8.90% Floating
    10000+GST One time fee
    -
    1-20 Years
    Response Time : Within 30 minutes
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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
    What you'll love
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    Perks
    Fees & Charges
    Good to Know
    8.90% - 9.55% 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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    8.75% - 10% 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
    What you'll love
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    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
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    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
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    Perks
    Fees & Charges
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    9.25% - 11.20% FIXED
    Up to 0.5% One time fee
    2L - 3Crs
    1-30 Years
    Response Time : Within 30 minutes
    What you'll love
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    Perks
    Fees & Charges
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  • Kolkata Home Loan is Rated as "Great!" by 1119 Users

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    Promised Interest Rate

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    Home Loan BYTES FROM OUR KITCHEN

    Kolkata Home Loan

    Kolkata is the capital of West Bengal and one of the largest cities in India.Kolkata is the main commercial and financial hub of East and North-East India and home to India's second largest bourse, the Calcutta Stock Exchange.

    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.


    You’re probably eligible for an Kolkata Home Loan if you are

    01
    02
    03
    04
    Kolkata Home Loan Minimum Age

    At least 21 years old

     Kolkata Home Loan Maximum Age

    Less than 65 years old

    Kolkata Home Loan Eligible Employment Type

    Salaried / Self-employed
    with regular income

    Kolkata Home Loan Minimum Income

    Earn more than the minimum
    income required


    Your Kolkata Home Loan amount eligibility is based on these factors

    01
    02
    03
    Kolkata Home Loan Minimum Salary

    EMI limited to about 50%
    of monthly income

    Kolkata Home Loan Maximum Loan to property value

    Loan capped @ 75% - 85% on property value

    Kolkata Home Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Kolkata Home Loan amount by these steps

    01
    02
    03
    Kolkata Home Loan Add Spouse as Co-applicant

    Make your spouse a co-applicant,
    and her income will add
    to your eligibility

    Kolkata Home Loan Maximum Tenure

    Choose longer tenure loan up to 20 - 30 years

    Kolkata Home Loan Add parents as Co-applicant

    Alternatively add your parents


    Documentation needed to apply for an Kolkata Home Loan

    • 1. Photo ID and age proof
    • 2. Signed application form with photograph
    • 3. Processing fee cheque
    • 4. Last 6 months bank statement
    • 5. Documentation for salaried applicants:
      • Last 3 months salary – slips
      • Form 16 or Income Tax Returns
    • 6. Documentation for self-employed applicants:

      • Last 3 years Income Tax Returns with computation of Income
      • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

    Kolkata Home Loan Interest RatesUpdated on 13 Nov 2018

    Kolkata Home Loan Details
    Interest Rate (Monthly reducing balance) 10% - 10.5%
    Processing Fees 0.50% of Loan
    Loan Tenure 1 year to 20 - 30 years
    Partial pre-payment Charges Nil
    Pre-closure Charges Nil

    Kolkata Home Loan Reviews

    • Bank Bazaar Home Loan
      "Good Informative website"
      0.5 4.0/5 "Great!"
      Its quite professional and informative, earlier I didn't use Bank Bazaar. when I approached for the housing loan, first time I tried them. They gave me good comparison about the interest rate and loan amount. The customer service is also good, the executive assisted on right time.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 01, 2018
    • Punjab National Bank Home Loan
      "Need Transparency"
      0.5 4.0/5 "Great!"
      I got great response from PNB housing, but I am not fine with interest rate, earlier they told something and again after the disbursement they collected Rs. 2500. It would be if they informed it earlier. Remaining all good I don't have any issues.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 01, 2018
    • Indiabulls Home Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken my home loan with indiabulls.customer service was very good.i got good response and my loan amount as good as per my expectation and the rate of interest and processing fee they charge me nominal, there was no hidden charges they have taken and even tenure period they have given as i want.
      Was this review helpful? 2
      , kolkata
      Reviewed on Oct 09, 2018
    • review Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been taken my Home loan from National australia bank the service is good they charge premium per month of rs 14 thousand and i do payment through on line only and customer support team is good and they provide good benefit policy . so overall service is good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 09, 2018
    • Allahabad Bank Home Loan
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It has been a very good experience i had with this Home loan, the loan amount also had been good and the interest rate with them has been nominal as well. There has been some processing fee which they had charged and there was no additional charges which they had made. Their customer support also had been good as well where they had been helpful at times.
      Was this review helpful? 3
      , kolkata
      Reviewed on Oct 05, 2018
    • DHFL Home Loan
      "Good Financial service"
      0.5 4.0/5 "Great!"
      I have chosen home loan in DHFL Based on the advertisement where they have show rate of interest of 8.5 but i got 13 % , which is way higher that what they promised for .They charged some fees for processing and documentation . Overall am satisfied with the customer service and response .
      Was this review helpful? 5
      , kolkata
      Reviewed on Oct 04, 2018
    • Union Bank of India Home Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have taken a home loan with Union Bank of India and my loan experience was good, the loan amount was for Rs 12-13 lacs with little high interest when compared to others. Customer service was good and the tenure period was 15 years but i preclosed in 8 years, there was no penalty charged for preclosure.
      Was this review helpful? 8
      , kolkata
      Reviewed on Sep 06, 2018
    • Bank Bazaar Home Loan
      "Satisfactory"
      0.5 4.5/5 "Excellent!"
      My experience was really amazing with BANK BAZAAR . Their customer service and responsiveness was really good. This is my first experience and the website is good .The web portals accuracy and speed is good so I would like to recommend to others.
      Was this review helpful? 2
      , kolkata
      Reviewed on Aug 30, 2018
    • HDFC Limited Home Loan
      "Satisfactory"
      0.5 4.5/5 "Excellent!"
      I have taken my home loan with HDFC LTD . The loan amount was 18 lakhs and the interest rate was average . The tenure period was 18 years .I had a hassle free experience and there is no issues faced with the loan process. The customer service and responses was good. The executives were cooperative .
      Was this review helpful? 6
      , kolkata
      Reviewed on Aug 30, 2018
    • Union Bank of India Home Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have taken a home loan with Uniion Bank of India and my experience was average. The loan amount was for Rs 17 lacs with nominal interest rate when compared to others. Customer service was good and they responded on time. The tenure period for this loan is 20 years.
      Was this review helpful? 1
      , kolkata
      Reviewed on Aug 29, 2018
    • Corporation Bank Home Loan
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      The manager is giving a proper service for the customer in my branch. I have taken the loan amount of 25 lakhs. I have taken the loan in 2010. I have opted the tenure period of 20 years. They have offered me a 8.5% as interest rate. I have received my home loan. I will recommend this bank to everyone for a home loan.
      Was this review helpful? 5
      , kolkata
      Reviewed on Jul 30, 2018
    • SBI Home Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I took a housing loan from the SBI for 8 lacs. The whole application process and the documentations was easy and hassle free. They offered the loan at a flat interest rate. It was a hassle free home loan experience with the State Bank of India.
      Was this review helpful? 11
      , kolkata
      Reviewed on Jul 21, 2018
    • SBI Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The process in getting the loan had been very good and the loan amount which they had given had been satisfactory. The interest rate with them had been nominal and there has not been any issues faced with them so far where their customer support has also been helpful at times.
      Was this review helpful? 9
      , kolkata
      Reviewed on Jul 16, 2018
    • HDFC Limited Home Loan
      " GOOD EXPERIENCE "
      0.5 5.0/5 "Blown Away!"
      Overall good experience for sharing the details about HDFC home loan. Facility & Benefits for taking the loan from HDFC is also will be the beneficial. Customer care team guidance for smooth process of completing the home loan form filling done.
      Was this review helpful? 4
      , kolkata
      Reviewed on Jul 14, 2018
    • HDFC Limited Home Loan
      "Excellent Service"
      0.5 4.0/5 "Great!"
      It had been a very good process in getting this home loan and the process taken has been less. The loan amount which they had given me had been satisfactory and the interest rate with them had been a little higher when compared with the market rate and there has been some issues regarding that. The interest rate used to floating every year where they had not informed me about that on prior.
      Was this review helpful? 2
      , kolkata
      Reviewed on Jul 12, 2018
    • Central Bank of India Home Loan
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have applied the loan amount of 19 lakhs and the manager i supposed to get around 26 lakhs. They have offered the amount whatever i expected. They have offered me interest of 8.35% and their is no processing fee for the home loan. They have given some discounts when I'm taking the home loan. I used to pay the EMI of 17,133 per month. I have got the loan on time like within a span of 1 month.
      Was this review helpful? 3
      , kolkata
      Reviewed on Jul 11, 2018
    • Axis Bank Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The process in getting this home loan had been very good and the process had been very smooth and easy. The interest rate which they had been offering had been good as well as their staff responses had been good so far. The loan amount which they had provided had been good and there has not been any hassles faced with their services.
      Was this review helpful? 1
      , kolkata
      Reviewed on Jul 07, 2018
    • Bank Bazaar Home Loan
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar is very convenient to apply for a home loan. The comparison is very good features. The interest rates very accurate. Whatever interest rate is mentioned in the bankbazaar the same interest rate only charged from Bankbazaar. Since, I'm into a bank industry, i came about bankbazaar. I would suggest you to stop the unlimited mails send to their customer about their different products
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 18, 2018
    • Punjab National Bank Home Loan
      "Hassle free services "
      0.5 4.0/5 "Great!"
      The response to email is not upto the mark. I have got a loan on time. Their process in easy. I have applied around 18 Lakhs. The interest rates are competitive. I wont say that processing is not much higher. I'm quite a happy with the PNB housing loan experience. Their is no difference between the private sector banks and PNB Housing. Their is no much hassle free services from PNB. The Relationship Manager was very helpful to me.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 18, 2018
    • Bank of India Home Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My home loan was taken with BANK OF INDIA 6 years back. The loan amount was 9,80,000 and the interest rate was satisfactory . The tenure period was 20 years .The process was very fast and easy . The customer service and responses was amazing . They haves sanctioned the loan with the committed time.
      Was this review helpful? 2
      , kolkata
      Reviewed on Jun 14, 2018
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