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  • Varanasi Home Loan

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  • We found 39 Varanasi 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

    Varanasi is the one of the oldest cities in the country and world which is constantly inhabited by people.Varanasi is known for its Panchakarma and authentic ayurvedic treatment. There are a large number of ayurvedic treatment centers and clinics in the city.Varanasi is home to a number of beautiful temples. The Kashi Vishwanath Temple is one of the most significant temples in the city. It is visited by millions of people from all over the world every year.The Banaras Hindu University which is situated in the city is known to be the largest residential universities in entire Asia. As the city is visited by millions of people every year, tourism has led to the economic development of the state. Some of the other industries in the city are manufacturers of heavy equipment, copperware, brassware, handicrafts, gold jewelry, rugs, carpets, clay toys and so forth.

    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 Varanasi Home Loan if you are

    01
    02
    03
    04
    Varanasi Home Loan Minimum Age

    At least 21 years old

     Varanasi Home Loan Maximum Age

    Less than 65 years old

    Varanasi Home Loan Eligible Employment Type

    Salaried / Self-employed
    with regular income

    Varanasi Home Loan Minimum Income

    Earn more than the minimum
    income required


    Your Varanasi Home Loan amount eligibility is based on these factors

    01
    02
    03
    Varanasi Home Loan Minimum Salary

    EMI limited to about 50%
    of monthly income

    Varanasi Home Loan Maximum Loan to property value

    Loan capped @ 75% - 85% on property value

    Varanasi Home Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Varanasi Home Loan amount by these steps

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

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

    Varanasi Home Loan Maximum Tenure

    Choose longer tenure loan up to 20 - 30 years

    Varanasi Home Loan Add parents as Co-applicant

    Alternatively add your parents


    Documentation needed to apply for an Varanasi 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

    Varanasi Home Loan Interest RatesUpdated on 22 Jan 2020

    Varanasi 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

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Varanasi Home Loan Reviews

    • Punjab National Bank Home Loan
      "Better 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 property deal was not done. When it comes to customer service, it was good and they responded on time, there was no issue from the bank side. The rate of interest is bit high when compared to other banks.
      Was this review helpful? 0
      , varanasi
      Reviewed on Nov 22, 2017
    • Punjab National Bank
      Punjab National Bank Home Loan
      "Approchable for home loan"
      0.5 4.0/5 "Great!"
      I have requested for a home loan with PNB HOUSING FINANCE LIMITED. But later i changed my plan of taking the home loan.In future if i am planning to take the home loan then i will definitely consider PNB HOUSING FINANCE LIMITED . They gave good response.
      Was this review helpful? 0
      , varanasi
      Reviewed on Nov 11, 2017
    • Punjab National Bank Home Loan
      "Awesome experience"
      0.5 4.0/5 "Great!"
      I had a fabolous experience with PNB Housing Finance Limited. Rate of Interest of 8.50 % is pretty decent, even though it's a little higher than the markets. I have already recommended this service for my friend. The application process took very little time.
      Was this review helpful? 0
      , varanasi
      Reviewed on Oct 17, 2017
    • ICICI Bank Home Loan
      "Need Transparency in the process"
      0.5 3.0/5 "Satisfactory"
      I have got the ICICI bank home loan around 12 years ago. The executive has promised that they will offer the loan with flat interest rate but in documents I found it was a floating interest rate. ICICI need to stick on their promises. The rate of interest is nominal at present. ICICI can still increase the loan amount. I am satisfied with the ICICI bank service.
      Was this review helpful? 1
      , varanasi
      Reviewed on Jun 27, 2017
    • Punjab National Bank Home Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      PNB Housing Finance LTD service is always good based on the Home loan.They are require lesser documents to complete the loan process.The rates applied are 8.8% processing fee was 7000 rupees EMI is 18k and documents where collected by the executive.Verification was also very simple.
      Was this review helpful? 0
      , varanasi
      Reviewed on Apr 18, 2017
    • HDFC Limited Home Loan
      "Fantastic...."
      0.5 5.0/5 "Blown Away!"
      Wonderful from my point of view. Work is very fast and nothing been hidden from their end regarding the home loan. HDFC Limited was regular and the people are very cooperative with the customer. As per the market standards they are offering home loan interest rate.
      Was this review helpful? 1
      , varanasi
      Reviewed on Mar 09, 2016
    • Punjab National Bank Home Loan
      "Satisfied...."
      0.5 2.0/5 "Expected more"
      My home loan was not approved by the PNB Housing finance due to some technical reasons and bit concerned about that. Response time from their end was too high while the loan process and rest is fine. Rate of interest is fine and no problem on that.
      Was this review helpful? 0
      , varanasi
      Reviewed on Mar 09, 2016
    • Punjab National Bank Home Loan
      "Not happy..."
      0.5 1.0/5 "Really Bad"
      PNB housing finance limited told me that they cannot process the home loan for me because there is no near by branch in my location. This is not the valid reason for not processing the loan. Actual value of my home is high but I just asked only for 25lakhs and that too they cannot process. I am not satisfied and will not recommend.
      Was this review helpful? 2
      , varanasi
      Reviewed on Sep 28, 2015
    • Punjab National Bank Home Loan
      "Average service "
      0.5 3.0/5 "Satisfactory"
      I am not happy with the service provided by PNB housing finance based on the Home loan.They have not mentioned the set of rules applied for the loan.They are providing loan to major cities only and I am not satisfied with the service.The interest rate applied was around 9.11% for the loan.The interest rate applied was excellent.
      Was this review helpful? 1
      , varanasi
      Reviewed on Sep 26, 2015
    • Punjab National Bank Home Loan
      "Average"
      0.5 1.0/5 "Really Bad"
      PNB Housing finance limited said they do not have the facility for a file investigation where I live. So they would not be able to process my home loan. They need to understand that the value of my property is more than the loan I am going to take. And they are taking my property papers and giving me a loan. I am not satisfied with the services of them. The rate of interest and processing charges was okay for me.
      Was this review helpful? 0
      , varanasi
      Reviewed on Sep 01, 2015
    • Corporation Bank Home Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Before five years i took a housing loan from cooperation bank the disbursement took long time process for 3 months. I submitted the required documents of the process and the documentation was completed within 1 day.Interest rate offered was 10.5% with zero processing fees. I have a very good relationship with the employees of the bank and also recommended many people for the loan.
      Was this review helpful? 2
      , varanasi
      Reviewed on Jun 09, 2015
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