A "low interest" loan shouldn't mean you have very little interest in paying it back!
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    We found 38 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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    8.80 - 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
    What you'll love
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    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
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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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    Perks
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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
    Documents
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    Kolkata Home Loan is Rated as "Great!" by 1133 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    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 20 Jan 2019

    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

    • Vijaya Bank Home Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      My home loan was taken with VIJAYA BANK , the service which i got through this bank is good i never face any issue at the time of documentation . The tenure period is 20 year and rate of interest they charge was too nominal in the market compare to others .
      Was this review helpful? 2
      , kolkata
      Reviewed on Dec 29, 2018
    • SBI Home Loan
      "Lot of time consuming loan"
      0.5 5.0/5 "Blown Away!"
      Its not easy to get a loan from SBI and lots of paper work and lots of time consuming however the interest rates are less compared to others. There was a loan amount of Rs. 10 lakhs. I have pre-closure the loan without any charges. Recommendable bank for home loan.
      Was this review helpful? 4
      , kolkata
      Reviewed on Dec 19, 2018
    • Bank Bazaar Home Loan
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      Its good for people who don't have much time to visit bank to bank for the loan. Bank bazaar introduced me and easier way to apply this loan. Please provide a good and friendly bank who really want to finance my project, not the fake one. thanks..
      Was this review helpful? 3
      , kolkata
      Reviewed on Dec 12, 2018
    • HDFC Limited Home Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have taken a home loan with HDFC LTD and my experience was good, the loan amount was for Rs 18 lacs with nominal interest rate when compared to others. Customer service was good and they responded on time. Tenure period is 15 years out of which 10 years is completed.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 11, 2018
    • Bank Bazaar Home Loan
      "Good"
      0.5 4.0/5 "Great!"
      My experience is good, this is the first time I have taken my home loan through bank bazaar. I don't find any delay on the service and the response was immediate. I have placed the request through online website, I would say the website is a user friendly.
      Was this review helpful? 1
      , kolkata
      Reviewed on Dec 02, 2018
    • HDFC Limited Home Loan
      "Average"
      0.5 4.0/5 "Great!"
      The customer service and response was good. The rate of interest is little bit high with HDFC Ltd compared to other banks. I have purchased a residential property and the loan duration is 30 years. The processing fee is moderate, The process was little bit longer and documents are collected by the executive.
      Was this review helpful? 1
      , kolkata
      Reviewed on Dec 02, 2018
    • Bank Bazaar Home Loan
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with bankbazaar.com. I have checked my credit score.This is the first time I have used online service for the home loan. I came to know about website through internet. I prefer the website, it was good and easy to access.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 22, 2018
    • HDFC Limited Home Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      It was a good service with HDFC Ltd. The rate of interest and charges are bit higher when I compare with other Nationalized banks. They have taken 2 to 3 weeks for the approval. I have opted the loan for 20 years. The documents are submitted to the executive at my doorstep.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 22, 2018
    • Bank Bazaar Home Loan
      "Home loans"
      0.5 3.0/5 "Satisfactory"
      Hi. This is samiran chowdhury. Form kolkata. I found many more but nobody can suggust the good one. But bank Bazaar is the platform to applying all types of loan. Good platform to applying loan. I just applied home loan at HDFC Bank through bank Bazaar. I need to avial loan urgently.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 21, 2018
    • review Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using my health insurance with BAJAJ ALLIANZ GENERAL INSURANCE,they have charge nominal premium amount , i use to pay on yearly bases, i dont remember how much i have been paying because it use to get auto debited on yearly bases.and there customer service team is good.
      Was this review helpful? 1
      , kolkata
      Reviewed on Nov 18, 2018
    • SBI Home Loan
      "Good experience"
      0.5 3.5/5 "Pretty good"
      I have taken a home loan with SBI and my experience was good, the loan amount was for Rs 33 lacs with nominal interest rate when compared to others in the market. Customer service was good and there are too many hidden charges. The tenure period for this loan is 30 years.
      Was this review helpful? 5
      , kolkata
      Reviewed on Nov 16, 2018
    • Axis Bank Home Loan
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am using the housing loan from the AXIS BANK from past three to four months i have applied it where the process is quick to get the loan it took 20 days to get the loan. The documentation process is simple the loan amount is very good also the rate of interest is 8.5% which is floating.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 16, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My home loan experience was good with ICICI bank, the process was smooth and i received my loan amount on time. The rate of interest is very less when compared to other banks. Customer service was good with ICICI bank and the tenure period for this loan is 20 years.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 15, 2018
    • SBI Home Loan
      "Recommendable bank for home loan "
      0.5 5.0/5 "Blown Away!"
      As per market rates, SBI home loan is best. Till now i have not faced any problems with SBI. I have not contacted their customer care service because of the SBI branch is next to my office. The branch response is absolutely fine. In the current scenario they are charging very good interest rates. I have chosen SBI because its a nationalized loan and i can able to choose the long time credibility and the rate of interest is very low.
      Was this review helpful? 1
      , kolkata
      Reviewed on Nov 13, 2018
    • 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? 2
      , 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? 4
      , 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? 7
      , kolkata
      Reviewed on Oct 04, 2018
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