Rajkot has traditionally been an important city in the state of Gujarat and its significance is set to grow further in the near future.Rajkot is the fourth largest city in the state and 35th largest agglomeration in the country. However you will be surprised to note that it is considered to be the 22nd fastest growing urban area in the world. Rajkot definitely lets you enjoy the comforts of life that you can afford with the scope for professional growth you are presented with here.There are many big name corporate companies and industrial houses that are making their way in Rajkot
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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In HDFC, they were forcing me to taking a home insurance when i availed my home loan. Its just because of my landlord person since he was having their existing loan with HDFC hence have continued the same. They have offered me an interest rate of 9.25% and i need to pay the EMI amount of Rs. 10000 for the loan amount of Rs. 10 lakhs.
I purchased a home loan from Axis bank in the year of 2011 Just because of my salary account is with them. I have taken the loan amount of Rs. 7.5L and I have chosen the tenure period of 20 years. To sanctioned this loan almost they took 10 to 15 days. Since I'm a salary account holder, the documentation process was quite high. I pay EMI amount of Rs. 7000 on a monthly.
I have taken yes bank home loan directly through bank. The rate of interest and processing fee was nominal and the loan got sanctioned on proper time .This loan is still active and documents submitted through agent and the loan process was clearly shared by the agent .
I used to pay the interest rate of 10.50%. I have taken this home loan in the year of 2008. I used to pay the installment nearly Rs. 8000. Since I'm a Government employee, i got the loan easily from them. I have taken a loan amount of Rs. 6 Lakhs. I have to pay my EMI for nearly 10 years.
I have done a home loan transfer from Yes Bank and it was a very good loan experience. The loan amount was for Rs 5.5 lakhs with the rate of interest of 8.55% which is nominal when compared to all other banks. The process was quite long and it took 1.5 months for the process to be completed. I pay an EMI of Rs 6866 and the processing fees they charged is Rs 5900. Customer service was good and they collected documents through door step. The tenure of the loan is 10 years.
I am not much happy with DHFL service there is no proper intimations regarding my emi due also for every 10 months I have to pay my emi debit documents even the rate of interest they offered was high which was 10.16 and the representatives are also not much helpful ,I can say the overall service is average from DHFL for my home loan service.
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PARSANA MANISH DHIRAJBHAI
, rajkot
Reviewed on Oct 13, 2017
I have taken my home loan from Axis bank and the process for the loan was smooth and easy. I had no issues with the submission of documents and the follow up. The rate of interest was high at that time. I got a rate of 10% floating and the processing charges was of 5K.
I have taken my home loan from Aditya Birla Housing Finance Limited and it was a excellent process as they released the funds at the moment I needed, which made the process more convenient and easy. They also offered a very competitive interest rate at the time of me taking the loan. I got a rate around 9% and the fees was also a good deal.
I would like to rate 4 for ICICI bank for the home loan application. Within 15 days the entire loan process was completed from their end. When compared to other private sector banks, the interest rate was pretty low with ICICI bank. Documentation were minimal.
Axis Bank offers a pretty good customer service. I had applied for the home loan with them and the process was explained very well. They offered me an interest rate of 9.65% which is quite reasonable and the processing charges quoted was 0.5% which is very convenient for a private bank. They have good respect for customers.
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ALPESHBHAI CHAMPAKLAL RAVAL
, rajkot
Reviewed on Mar 14, 2016
The process for my home loan was very smooth and easy. The documents was collected on time. The services was good. The response was good all through the process. ICICI Bank also offered me a good rate of interest and processing charge. Overall a good experience.
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0
BRIJESH GUNVANTBHAI KHUNT
, rajkot
Reviewed on Feb 19, 2016
i have taken a home loan from hdfc at very attractive rate before one year they are very customer friendly and cooperative they come to home and do all the paper work and they provide the loan very quickly compare to others & most important thing is that they give me interest rate cut benefit also when i took the loan it was 10.15 now it is 9.6
I availed home loan with Axis bank, it was good. We can very easily reach the customer service it was good with Axis bank. Customer service of Axis was good. In regular time they processed me loan. Processing fee was okay, it would be much better if they reduce the interest rate.
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YOGESH MAHENDRABHAI MAVADIA
, rajkot
Reviewed on Sep 07, 2015
In response to my Home loan application to Axis bank the sales team contacted me and fixed an appointment. They visited my office and inquired the details from end. They also checked some documents and left saying they will contact me in 3-4 days to confirm about further processing. But my application was closed and I was not even informed about the same.
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0
SANDIPBHAI MAVJIBHAI TALAVIYA
, rajkot
Reviewed on Aug 25, 2015
My Home loan application with DHFL was rejected stating property is in rural area.The customer service provided was not that responsive because they are not proactive in response.I called them around 5-6times later they responded.Interest rate offered for this loan was really good which was around 10.15% and the processing fee was around 1%.I would suggest it will be good if they offer loan for rural area as well.
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SAURVH DHORAJIYA
, rajkot
Reviewed on Jul 23, 2015
I took a home loan from Axis bank and the experience was good as they disbursed the loan within less time. Interest rate and processing fee charged was the same as per market rate. Documentation process was easy.I have made part payment for the loan amount but there is no any extra charges but for the pre closure there will be some extra charges.
I have a home loan with ICICI Bank before 14years and I didnâ??t face any difficulty to complete the loan process.At the time of EMI payments it was really easy and smooth as well.The customer service behave really good towards the customer and I am attracted with the way they behave.The Interest rate offered was a floating rate and I felt its hard to pay when the rate fluctuates really high.
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ASHOK KANJIBHAI HINDOCHA
, rajkot
Reviewed on Jun 10, 2015
I took home loan from ICICI bank before 4 months. Interest rate is good one they offered me 10.25%. When I had an issue with one of my document I was give an alternative way to submit all my documents after this I got my money in 8 to 9 days. So I would say ICICI in terms of home loan they were excellent.
I was not really happy with the service provided by HDFC while getting a Home loan.I felt there is no special benefits provided for the corporate people who earn more.The back-end support was really good from HDFC and the interest rate offered was also less comparatively.The process was very lengthy and it took a long time.
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VIREN KANTILAL KYADA
, rajkot
Reviewed on May 06, 2015
Interest rate is good so I have taken home loan with SBI and processing fee is free. To get things done we have to wait for more than 1 to 2 hours because there are only skeleton staff in home loan department. Otherwise the executives are good. SBI took a month to approve the loan and the rate is 10.15%. Interest rate is fixed and no floating but according to RBI rules it would vary later.
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4
SANDIP NARENDRA BAI RATHOD
, rajkot
Reviewed on Mar 11, 2015
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