Up to ₹1 Cr - 0.25% of Loan Amount, subject to maximum ₹10,000/- (Plus GST), Above ₹1 Cr and up to ₹5 Crs - 0.25% of Loan Amount, subject to maximum ₹25,000/- (Plus GST)
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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I hold my housing loan with ICICI bank for an while, i took loan 3-4 months back only,and the loan amount which they have given me was sufficient,and the rate of interest this month they have charged me bit high i felt, they have charged me up to 10.35% ,it use to float based on market price,and they have charged me high processing fee they charged me up to 10,000,which was high i felt,so far no issue,the loan came on time.
I had a home loan in ICICI BANK and have done a balance transfer to HDFC LTD. They are not willing to reduce the interest rate though I am a existing customer of ICICI. I got a good offer with other bank so have done it. The customer service is average. They have charged me a processing fee as well. The process was okay.
I have a Home loan with HDFC LTD. The interest rate is affordable. They are responding well to me and have no issues with the customer service. They have not charged a processing fee. I have purchased a residential property and the loan duration is 12 or 13 years.
It was a good experience with PNB Finance for Home loan, the process was smooth and the loan amount was disbursed in 1 month. Customer service was good and they collected documents on time. The loan amount was for Rs 11 lacs with 25 years of tenure and nominal interest rate.
I have try to get a home loan from pnb bank and bank of India, both bankers not coordinate with customer and not share proper information to customer. I always believed on government bank, but till both bank experience lost my faith. Govt bank always support to customers depending on his mood.
The service which was given by PNB HOUSING FINANCE LIMITED nominal . They took around 30days of time to disburse my loan amount. Still they would have given much support from the PNB HOUSING FINANCE LIMITED. The rate of interest and the charges are average as per market rate.
Due to my personal reasons i could not able to process the loan from PNB HOUSING FINANCE LIMITED. When i got a call from PNB i informed about my current status.I am happy with the institution, so that i can consider PNB in future for my home loan.
I have applied for the home loan from PNB Housing Finance, my loan application was closed because the process fees and rate of interest is high when compared to all other sources. When it comes to customer service, there was no interaction with them as i closed the loan application after the discussion of rate of interest and processing fees.
I have applied for home loan from PNB Housing Finance, i did not take the loan as i dropped the plan due to the property which i have taken was not fixed. When it comes to customer service, initially they called and said there is no processing fee and when they called for the second time they said processing fees will be charged which is 6% on the principal amount. The only thing i was satisifed is with the rate of interest.
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NARINDER SINGH
, ludhiana
Reviewed on Oct 10, 2017
I have finalized the property at Jamalpur, SBI sanctioned Rs.9 lakhs to purchase individual home with the interest rate of 8% for the tenure 10 years. SBI is also good in Part payment and preclosure option. SBI is my salary account hence automatically loan amount gets debit from my account.
PNB housing offered me 8.5% of interest but SBI offered me 8% of interest for the tenure 10 year and also its a floating rate. Hence I gone with SBI, It would be great if PNB housing reduce the rate, many people will utilize the service and also PNB housing should not ask the bank statement or balance sheet from government employees for the home loan.
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
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.
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.
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.
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
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
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
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
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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