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  • Thiruvananthapuram Home Loan

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  • We found 39 Thiruvananthapuram Home Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    PA PL OTP
    8.40% - 8.50% Floating
    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)
    30L - 5Crs
    5-30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.65% - 10.35% Floating
    0% - 0.50% + Applicable Taxes One time fee
    5L - 10Crs
    3-30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.80%- 9.20% Floating
    12,000 (inclusive of GST) One-Time Fee
    20L - 5Crs
    1-30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.40% - 8.85% Floating
    Up to 0.5% (max. ₹11,800) One time fee
    5L - 10Crs
    1-30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.75% - 11.0% Floating
    Up to 0.5% One time fee
    2L - 3Crs
    1-30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.55% - 9.25% Floating
    0.5%+GST PF (For salaried) (Not applicable for plot loans)+Tax (for Self employed)
    12L - 5Crs
    1-20 Years (10 yrs plot loan)
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good To Know
    8.40% - 11.75% Fixed/Floating
    0.50% (min. ₹10,000) One time fee
    5L - 10Crs
    1-30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    9% Floating
    ₹ 10000+ taxes One time fee
    50L - 5Crs
    1 - 25 Years
    What you'll love
    Documents
    Perks
    Good to Know
    8.55% - 8.99% Floating
    ₹5,000 to ₹10,000 + applicable tax One time fee
    20L - 10Crs
    1-30 Years
    What you'll love
    Documents
    Perks
    Think about
    Good to Know
    9.25% Floating
    0.50% (min. ₹10,000)
    1Cr - 5Crs
    1-20 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.30% - 8.35% Floating
    Up to 0.50% (max. ₹15,000) + GST One-time fee
    ₹25L Min
    1-30 years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Eligibility Criteria
    9.25% - 11.20% FIXED
    Up to 0.5% One time fee
    2L - 3Crs
    1-30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know

    Trivandrum, is the capital of the state of Kerala and one of the most important cities in the South of India. The city with around 7,50,000 inhabitants has come of age in recent years with the IT sector booming in the region. Trivandrum boasts of 80% of state’s software exports, which makes it a major IT hub not only in Kerala but the whole of South India.Trivandrum, which is known to be a multicultural city and a major education centre as well.It was termed the “Evergreen City of India” by Mahatma Gandhi and it’s not difficult to understand why. It is after all one of the ten Greenest City in the country, according to recent reports

    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 Thiruvananthapuram Home Loan if you are

    01
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    Thiruvananthapuram Home Loan Minimum Age

    At least 21 years old

     Thiruvananthapuram Home Loan Maximum Age

    Less than 65 years old

    Thiruvananthapuram Home Loan Eligible Employment Type

    Salaried / Self-employed
    with regular income

    Thiruvananthapuram Home Loan Minimum Income

    Earn more than the minimum
    income required


    Your Thiruvananthapuram Home Loan amount eligibility is based on these factors

    01
    02
    03
    Thiruvananthapuram Home Loan Minimum Salary

    EMI limited to about 50%
    of monthly income

    Thiruvananthapuram Home Loan Maximum Loan to property value

    Loan capped @ 75% - 85% on property value

    Thiruvananthapuram Home Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Thiruvananthapuram Home Loan amount by these steps

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

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

    Thiruvananthapuram Home Loan Maximum Tenure

    Choose longer tenure loan up to 20 - 30 years

    Thiruvananthapuram Home Loan Add parents as Co-applicant

    Alternatively add your parents


    Documentation needed to apply for an Thiruvananthapuram 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

    Thiruvananthapuram Home Loan Interest RatesUpdated on 19 Jan 2020

    Thiruvananthapuram 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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    Thiruvananthapuram Home Loan Reviews

    • HDFC Limited Home Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have taken home loan directly through HDFC LTD .The rate of interest was 8.25% it was nominal and all the details aboput the loan process was clearly explained by the agent .I have submitted the documents through the agent.I have got the loan amount sanctioned on time .I am satisfied with the service so far .
      Was this review helpful? 3
      , thiruvananthapuram
      Reviewed on Dec 05, 2019
    • SBI
      SBI Home Loan
      "It's okay"
      0.5 4.0/5 "Great!"
      I had a home loan with State Bank of India and it was closed without any issues. They took longer time for the verification and lot of paper works. The interest rate is flexible and fine. There are charges for processing fee and plus insurance fee.
      Was this review helpful? 6
      , thiruvananthapuram
      Reviewed on Oct 17, 2019
    • LIC Housing Home Loan
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I have availed Home loan directly through LIC Housing Finance .I have got the loan on stipulated time and got all the details about the loan process through the agent and it was sufficient as well .I have submitted the required documents also.This loan is still active and no drawbacks faced so far.
      Was this review helpful? 2
      , thiruvananthapuram
      Reviewed on Sep 21, 2019
    • IDBI Home Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied for IDBI Home Loan which was applied through Bank directly.The rate of interest and the processing fee was nominal and got the loan on time .I have got all the details about the loan process very clearly .I have not yet faced any issues while submitting the documents .I have applied for the loan amount of 30lakhs for the tenure of 25 years .The loan is still active and the service was really good .
      Was this review helpful? 4
      , thiruvananthapuram
      Reviewed on Aug 12, 2019
    • Central Bank of India Home Loan
      "Helpful bank"
      0.5 4.0/5 "Great!"
      Since its my salary bank i have chosen the home loan from Central bank of India hence its more easy to process. I got my loan in 7 days. I applied the loan amount of Rs. 20 lakhs and the interest rate is reasonably good. The loan has taken a long back. Now the service level has improved. I closed 1st home loan 5 years back and i went for again the smaller loan which is running now.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Aug 09, 2019
    • HDFC Limited Home Loan
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had taken a HOME LOAN from HDFC BANK a while back and the process in getting the loan was quite simple and easy, it did not took much time and the loan amount which they had provided has been sufficient as well. The interest rate with them had been nominal and there was no additional charges which has been made by them as well.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Apr 30, 2019
    • Axis Bank Home Loan
      "No online repayment for home and property loan"
      0.5 2.5/5 "Just OK"
      Axis Bank is not allowing customers to pay additional amount towards home loan using internet. We have to physically visit the branch each time for loan repayment. This is very annoying as all other bank allow extra loan payment using netbanking
      Was this review helpful? 1
      , thiruvananthapuram
      Reviewed on Feb 07, 2019
    • HDFC Limited Home Loan
      "Quick Process"
      0.5 4.0/5 "Great!"
      When i upload the documents, they have told me the charges are 2,500 but they charged me around of rs. 12000. There is no specific reason for choosing the HDFC. The interest rate offered me was 8.85%. They have sanctioned the loan immediately. I have chosen the tenure period for 15 years.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jan 27, 2019
    • IOB Home Loan
      "Need improvement in all aspects"
      0.5 2.0/5 "Expected more"
      I done the balance transfer from IOB because of the service issue, they gave me the interest of 11% after a year they only came down to 10% but at the time all banks were issuing the interest around 8.5% on existing home loan, hence I switch over to Canara bank .
      Was this review helpful? 1
      , thiruvananthapuram
      Reviewed on Jan 05, 2019
    • Canara Bank Home Loan
      "Awesome Service"
      0.5 5.0/5 "Blown Away!"
      Canara Bank taken two weeks of time to approve the housing loan. I have taken loan amount of Rs. 13 lakhs, I done the balance transfer from Indian overseas bank to Cananra bank. There is no processing fee and I got the best interest with Canara bank.
      Was this review helpful? 2
      , thiruvananthapuram
      Reviewed on Jan 05, 2019
    • ICICI Bank Home Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I got the home loan with the ICICI bank and the interest rate is around 8.55%, customer service is an excellent one and I got the loan amount within a month of time. Everything is better one for me with the ICICI bank.
      Was this review helpful? 1
      , thiruvananthapuram
      Reviewed on Jun 27, 2018
    • HDFC Limited Home Loan
      "Okay"
      0.5 3.0/5 "Satisfactory"
      I have not taken the home loan with the HDFC limited because in the same time, I have almost done with other bankers. Everything is better one too with the HDFC limited and the interest rate could be get reduced.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jun 27, 2018
    • HDFC Limited Home Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am running a home loan with HDFC ltd from the year of 2016. The services are good with HDFC LTD. The interest rate was good and they charged processing around between 2500 to 3000 rupees. They provided a doorstep service for the documentation. I have purchased a residential property too.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jan 16, 2018
    • Punjab National Bank Home Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a very easy and quick process with PNB for my home loan service, the documentation part was very easy interest rate what they quoted to me was fine when compared to others in the market and the payments were done through online ecs. In all it was totally an excellent experience with PNB for my home loan service.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Nov 06, 2017
    • Punjab National Bank Home Loan
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I have applied for the home loan from PNB Housing finance via online portal. However, i did not get the loan because i got the amount of loan required from my sibling. When it comes to customer service, it was very good and they were very helpful. The rate of interest of 9.5% was nominal.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 05, 2017
    • HDFC Limited Home Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Got home loan from HDFC limited . They have disbursed my loan amount within 30days of time. The documentation was hassle free with HDFC limited, the HDFC executive came and collected my documents. The required loan amount has been disbursed and I am satisfied with it.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 04, 2017
    • Punjab National Bank Home Loan
      "Good service and Approachable"
      0.5 4.0/5 "Great!"
      With PNB HOUSING FINANCE LIMITED i have taken a home loan where my disbursed loan amount is 20 lakhs with an EMI of 16221. The rate of interest provided by the bank is 8.45% i am satisfied with the rate of interest. But this 8.45% is for one year and after that it will change to some other rate. I did not inquired about that.it took 2 to 3 weeks for the loan amount to be disbursed and the processing fee they charged comes around 4900.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Sep 11, 2017
    • HDFC Limited Home Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      The HDFC ltd customer support told that my home application has not met their eligibility criteria so that was the reason I haven't proceed with HDFC limited home loan application. The HDFC ltd executive came and asked about my plan details and I gave the photo copy of my home plan.Then after 2 days HDFC ltd called me gave me a call and asked to pay Rs.5000 to process the home loan application. The process needs to be more transparent with HDFC LTD,
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Sep 08, 2017
    • Punjab National Bank Home Loan
      "Approachable home loan"
      0.5 4.5/5 "Excellent!"
      I have taken home loan from PNB HOUSING FINANCE LIMITED. It was quiet an easy going experience with the bank. The approved loan amount was 38 lakhs with 8.5% rate of interest. The processing fee comes around 11500. The executive came to my place for the validation of the document that was appreciating.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Sep 08, 2017
    • Punjab National Bank Home Loan
      "Not up to the mark"
      0.5 2.5/5 "Just OK"
      After me applying for a home loan with PNB housing finance, I inquired with my friend who already has a home loan with them. I was told that when ever there is a drop in the rate of interest the bank does not do it and the customer would have to visit the bank for the same. So I decided not to take the loan and cancelled my details.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jun 15, 2017
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