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Ludhiana Home Loan Reviews

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Customer Support

"Better Service"

0.5 5.0/5 "Blown Away!"

I approached bankbazaar website and I submitted the home loan application over the site. Immediately I received response from them and the website has options to select the bank for the loan. And my application been transferred from bankbazaar to the bank. The website is easy to handle.

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JAGDISH KUMAR SUNEJA , ludhiana
Reviewed on Jun 10, 2017
Home Loan

"No enough response"

0.5 3.0/5 "Satisfactory"

For the housing loan, I approached PNB housing finance limited. The responses from PNB are not so satisfactory. Also the rate of interest is not much good with them. Hence I did not process my housing loan process with PNB and I just closed the application.

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JAGDISH KUMAR SUNEJA , ludhiana
Reviewed on Jun 10, 2017
Customer Support

"Excellent service"

0.5 5.0/5 "Blown Away!"

Excellent service provided by Bank Bazaar, when I posted home loan request on the site. I got immediate response from your team. I got the complete support and solution on time from Bank Bazaar, they have suggested multiple option its good.

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AMIT KUMAR , ludhiana
Reviewed on May 16, 2017
Home Loan

"Its Better"

0.5 4.0/5 "Great!"

PNB housing offered me an interest rate of 8.5% on my housing loan its fine. But loan process got delay, they had al most they taken one and half month to approve my loan and finally it got disbursed. I require an amount of Rs.20 lakhs, PNB housing sanctioned the amount of 18 lakhs. I am not happy with the principal amount, other than that everything is good.

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AMIT KUMAR , ludhiana
Reviewed on May 16, 2017
Home Loan

"Not satisified "

0.5 1.0/5 "Really Bad"

I was planning to take the housing loan, therefore I opted to take it from LIC housing finance as there as no other choice at that point of time. Customer service provided by them is not satisfactory..I am not happy with the EMI date, EMI amount and they are not very much transparent also they are not providing a clear cut information about the product.

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MANMEET SINGH , ludhiana
Reviewed on Jan 13, 2017
Customer Support

"Good one"

0.5 4.0/5 "Great!"

I am pretty comfortable using this site bankbazaar.com, I am looking out for a home loan. I am planning to do balance transfer. Website is good and It has got all the information pertaining to housing loan. It would be great, if the charges syncs with the bank charges. It is a good site, one place where we can find the information about all the bank rates.

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MANMEET SINGH , ludhiana
Reviewed on Jan 13, 2017
Home Loan

"So far so good"

0.5 3.0/5 "Satisfactory"

I am more than happy to take the housing loan from PNB. The reason why I stopped stepping further was because some of the documents were pending that is the reason why I did not proceed further with them. Now that I managed to arrange my documents I am willing to proceed further with them.

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MANMEET SINGH , ludhiana
Reviewed on Jan 13, 2017
Home Loan

"Satisfied..."

0.5 4.0/5 "Great!"

There are both positive and negative. 9.75% is the rate of interest and that is very less than the private financial services. SBI took a month to give the loan amount. The give home loan rate is floating range. Verification was very smooth and there was no trouble in getting the loan.

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SUSHIL KUMAR KOUSHAL , ludhiana
Reviewed on Mar 03, 2016
Customer Support

"Satisfied..."

0.5 3.0/5 "Satisfactory"

They come up with good ideas for the loan and they are taking up the customers to the next step for the loan. Via different source like television I came to know the bankbazaar. Communication was smooth and the portal was simple to use and clear details available on the web application.

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SUSHIL KUMAR KOUSHAL , ludhiana
Reviewed on Mar 03, 2016
Home Loan

"Satisfied..."

0.5 4.0/5 "Great!"

At PNB Housing finance the rate was around 10% but in SBI it is less so I preferred it for home loan. As such no problem with PNB Housing finance. Processing charge is also one of the reasons for not choosing the PNB for home loan as that is somewhat high. They can follow up the customers and can reduce the rate bit and they can meet favorable with others.

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SUSHIL KUMAR KOUSHAL , ludhiana
Reviewed on Mar 03, 2016
Customer Support

"BEST APP BANK BAZAAR"

0.5 5.0/5 "Blown Away!"

THIS IS A GOOD APP FOR ANY PERSON. BECAUSE THIS APP PROVIDE ANY HOME LOAN AND PERSONAL LOAN AND CREDIT CARD HEALTH INSURACE ETC.. FOR LIABLE PERSON . I SUGGEST THAT MANY PERSONS PLEASE DOWNLOAD THIS APP OF BANK BAZAAR. THANK YOU TO ALL BANK BAZAAR TEAM

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SAGAR GUPTA , ludhiana
Reviewed on Jan 13, 2016
Home Loan

"Not a good one"

0.5 5.0/5 "Blown Away!"

I am not interesting in availing the housing loan from Axis bank because I had some personal issues . Customer service offered by Axis bank was very much friendly. The service what they provide was very nice . Interest rate is offered by them was very high.

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ANOOP KUMAR KUSHWAHA , ludhiana
Reviewed on Dec 01, 2015
Home Loan

"Excellent"

0.5 5.0/5 "Blown Away!"

Oriental bank of commerce disbursed the home loan within five days. They charged the nominal interest rate and other charges. I took the loan for five year and pre closures within 3 years there was no any extra charges. They collect the required document for the process which was very simple.

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SANDEEP MALHOTRA , ludhiana
Reviewed on Nov 25, 2015
Home Loan

"Higher interest rate."

0.5 1.5/5 "Bad"

i have opted home loan from indiabulls at 10.5% pa interest in January 2015 now in December 2015 , all banks have slashed interest rates to 9.6% pa even indiabulls is giving new home loan at 9.60% to its new applications but its not reducing interest rate to current home loan costumers. despite several emails , phone calls, they do not reduce interest rates and say that their interest 9.60% is only for new costumers. new costumers , do not go for indiabulls home loans . they harass a lot afterwards and indiabulls have most poor service quality.

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rakesh garg , ludhiana
Reviewed on Nov 05, 2015
Home Loan

"Insurance was provided to me forcefully.."

0.5 2.5/5 "Just OK"

I done all the procedures and waiting for the loan amount as it would be delivered in couple of days. Interest rate in DHFL for home loan is 10.15%. Customer service is not that good. The sales executive mentioned that the life insurance and term insurance is mandatory as they cannot do the home loan without these. When I inquired to the customer support, they mentioned that as optional. For life insurance I paid 17k and amount collected for term insurance as well. Documentation charge was 2500 as overall the charges were high.

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RAKESH SINGH , ludhiana
Reviewed on Sep 29, 2015
Customer Support

"Follow up was amazing.."

0.5 5.0/5 "Blown Away!"

Bankbazaar contacted me and they were in touch with me on regular intervals. Customer service is amazing as once I put the query they directly called me. Next to bankbazaar, PNB people contacted for the home loan. Financial tools are very useful. Google search engine displayed the bankbazaar link and I came to know it.

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RAKESH SINGH , ludhiana
Reviewed on Sep 29, 2015
Home Loan

"Satisfied but not completely..."

0.5 4.0/5 "Great!"

PNB Housing Finance Limited told me that they cannot do the home loan for the square feet of 75 and mentioned that maximum 100square feet is the eligibility for the loan. Interest rate is 9.95% and there is no difference in that as all the banks are in same range. I am satisfied however with PNB but not completely as that is average. After submitting all the files they mentioned as not doable.

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RAKESH SINGH , ludhiana
Reviewed on Sep 29, 2015
Customer Support

"Good in everything"

0.5 4.5/5 "Excellent!"

Bankbazaar website is very good in processing. I liked the comparison table very much which shows for all banks. Generally the website is very easy accessing and flexible. Through Internet search I came to know about this online website. There was no suggestions required for it since the website is good in everything.

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SUKHDEV AHLUWALIA , ludhiana
Reviewed on Sep 08, 2015
Home Loan

"Reduce Documents List"

0.5 5.0/5 "Blown Away!"

I have taken my Home Loan from PNB Housing Finance Limited very recently. I have taken this loan from them since I got the best rate of interest. The bank executive Ms. Kajal varma, from my home branch was controlling their local bodies very well so that I got easy disposal. It would be great if they reduce the documents list.

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SUKHDEV AHLUWALIA , ludhiana
Reviewed on Sep 08, 2015
Home Loan

"Minimal Documents!"

0.5 4.0/5 "Great!"

I got my home loan approved with Central bank of India with loan amount of 15lakhs and with the tenure of 30 years. The interest rate is normal with them which is 10.15% floating throughout the tenure. They collected only required land documents and address proof details for the loan procedure.

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SANJEEV GARG KUMAR , ludhiana
Reviewed on Aug 28, 2015

Ludhiana Home Loan is Rated as "Pretty good" by 42 Users

Fees & Charges

Promised Interest Rate

Customer Service

Responsiveness

Home Loan BYTES FROM OUR KITCHEN

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Check your Eligibility!

Ludhiana, located in the Ludhiana district of Punjab, is the state’s largest city based on population.Ludhiana is a component of the ‘Eastern Industrial Corridor’ that joins quite a few cities from Punjab straight to West Bengal This ensures that industrial growth is enhanced by quick transport of freight and goods.The World Bank held Ludhiana as the Indian city having the most favorable business atmosphere in 2009

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

At least 21 years old

Less than 65 years old

Ludhiana Home Loan Eligible Employment Type

Salaried / Self-employed
with regular income

Earn more than the minimum
income required

Check if you’re eligible >>

Your Ludhiana Home Loan amount eligibility is based on these factors

EMI limited to about 50%
of monthly income

Ludhiana Home Loan Maximum Loan to property value

Loan capped @ 75% - 85% on property value

EMIs of other loans lower
your eligibility

Check how much you can borrow >>

Increase your eligible Ludhiana Home Loan amount by these steps

Ludhiana Home Loan Add Spouse as Co-applicant

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

Choose longer tenure loan up to 20 - 30 years

Ludhiana Home Loan Add parents as Co-applicant

Alternatively add your parents

Check eligible loan amount >>

Documentation needed to apply for an Ludhiana 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

Apply now >>

Ludhiana Home Loan Interest Rates_{Updated on 24 Jul 2017}

Ludhiana 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

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Get IFSC Codes from Ludhiana City

GST Rate of 18% Applicable for All Financial Services Effective July 1, 2017.

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