A "low interest" loan shouldn't mean you have very little interest in paying it back!
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    We found 38 Ludhiana Home Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    8.35% - 10.25% Fixed/Floating
    Up to 0.5% (min. ₹5,900) One time fee
    5L Min
    1-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    8.40% - 8.85% Floating
    0.5% (max. ₹11,800) One time fee
    5L - 10Crs
    3-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    8.35% - 8.85% 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 free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    8.40% - 10.05% Floating
    Up to 0.5% One time fee
    2L - 3Crs
    1-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    8.35% - 9.25% Floating
    0.50% (min. ₹2,000) + applicable tax
    12L - 5Crs
    1-20 Years (10 yrs plot loan)
    Response Time : Within 30 minutes
    Rs.5,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good To Know
    Eligibility Criteria
    8.35% - 11.75% Fixed/Floating
    0.50% (min. ₹10,000) One time fee
    5L - 10Crs
    1-30 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    8.25% - 8.25% Floating
    0 One time fee
    40L - 5Crs
    1 - 25 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Good to Know
    Eligibility Criteria
    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
    Rs.5,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Think about
    Good to Know
    Eligibility Criteria
    10.67% Floating
    1% One time fee
    5L - 5Crs
    1-30 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    8.35% - 8.80% Floating
    0.5% (max. ₹11,800) One time fee
    5L - 10Crs
    3-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    9.25% Floating
    0.50% (min. ₹10,000)
    1Cr - 5Crs
    1-20 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    9.95% - 10.40% FIXED
    Up to 0.5% One time fee
    2L - 3Crs
    1-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
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  • Ludhiana Home Loan is Rated as "Pretty good" by 52 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Home Loan BYTES FROM OUR KITCHEN

    Ludhiana Home Loan

    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.


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

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    03
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    Ludhiana Home Loan Minimum Age

    At least 21 years old

     Ludhiana Home Loan Maximum Age

    Less than 65 years old

    Ludhiana Home Loan Eligible Employment Type

    Salaried / Self-employed
    with regular income

    Ludhiana Home Loan Minimum Income

    Earn more than the minimum
    income required


    Your Ludhiana Home Loan amount eligibility is based on these factors

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    Ludhiana Home Loan Minimum Salary

    EMI limited to about 50%
    of monthly income

    Ludhiana Home Loan Maximum Loan to property value

    Loan capped @ 75% - 85% on property value

    Ludhiana Home Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Ludhiana Home Loan amount by these steps

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

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

    Ludhiana Home Loan Maximum Tenure

    Choose longer tenure loan up to 20 - 30 years

    Ludhiana Home Loan Add parents as Co-applicant

    Alternatively add your parents


    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

    Ludhiana Home Loan Interest RatesUpdated on 23 Nov 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

    Ludhiana Home Loan Reviews

    • Punjab National Bank Home Loan
      "Considerable "
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Nov 22, 2017
    • Bank Bazaar Home Loan
      "Good website"
      0.5 4.5/5 "Excellent!"
      Its a good website. We can find home loan, car loan and all other financial products with bankbazaar. If i need any assistance i can visit bankbazaar.I applied for a home loan with bankbazaar.The next day i got a call from the institution but i did not go further with the application.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Nov 22, 2017
    • Bank Bazaar Home Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I know bankbazaar.com from last 11 months, the services provided by bankbazaar is good when compared to all other banking websites. The experience was good with bankbazaar so far. The customer service was good and their response was prompt. The website is easy to access and it is user friendly.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Nov 11, 2017
    • Punjab National Bank Home Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      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.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Nov 11, 2017
    • Bank Bazaar Home Loan
      "Good website"
      0.5 5.0/5 "Blown Away!"
      I know bankbazaar from last 3 years, i found the services are good when compared to other banking websites. I am using the mobile application, i find it easy to navigate and it is user friendly. Through this mobile application, i came to know more about the market.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Oct 10, 2017
    • Punjab National Bank Home Loan
      "Average service"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Oct 10, 2017
    • SBI Home Loan
      "Hassle free experience with SBI"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Sep 01, 2017
    • Bank Bazaar Home Loan
      "Customer satisfactory portal"
      0.5 4.0/5 "Great!"
      Here we have many options to check any financial information in one stop, without going to bank I could explore all the option in an easy way. When I log in Bank Bazaar website , I placed a request for the home loan. I got good response from their end.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Sep 01, 2017
    • Punjab National Bank Home Loan
      "Loan process should be flexible"
      0.5 2.0/5 "Expected more"
      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.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Sep 01, 2017
    • Bank Bazaar Home Loan
      "Best way for self home"
      0.5 4.0/5 "Great!"
      This is an easy way for any person to purchase self property. I say truely bankbazaar.com is doing a very good job, if you imagine your dream for your self dream home then you can directly contact your branch and you can take every detailed information about every home loan. So thanx a lot bankbazar.com.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Aug 08, 2017
    • Bank Bazaar Home Loan
      "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.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Jun 10, 2017
    • Punjab National Bank 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.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Jun 10, 2017
    • Bank Bazaar Home Loan
      "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.
      Was this review helpful? 0
      , ludhiana
      Reviewed on May 16, 2017
    • Punjab National Bank 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.
      Was this review helpful? 0
      , ludhiana
      Reviewed on May 16, 2017
    • LIC Housing 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.
      Was this review helpful? 3
      , ludhiana
      Reviewed on Jan 13, 2017
    • Bank Bazaar Home Loan
      "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.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Jan 13, 2017
    • Punjab National Bank 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.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Jan 13, 2017
    • SBI 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.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Mar 03, 2016
    • Bank Bazaar Home Loan
      "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.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Mar 03, 2016
    • Punjab National Bank 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.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Mar 03, 2016
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