A "low interest" loan shouldn't mean you have very little interest in paying it back!
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    We found 43 Visakhapatnam Home Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    8.6% - 8.95% Floating
    Up to 0.5% (min. ₹5900) 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% - 8.60% 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. ₹10,000) + 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. ₹10000) 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% Floating
    5,000 + applicable tax One time fee
    40L - 5Crs
    1 - 25 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    11.5% - 13% Floating
    2% One time fee
    25L - 3Cr
    1-20 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    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
    Fees & Charges
    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
    8.40% - 8.50% Floating
    0.5%
    20L - 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
    8.6% - 8.95% FIXED:3 years,FLOATING Thereafter
    Up to 0.5% (min. ₹5900) 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
    Value Adds
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  • Visakhapatnam Home Loan Reviews

    • Bank Bazaar Home Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Whatever I apply in bank bazaar Immediately I get calls from bank bazaar, their response is very good and I am really interested in bank bazaar services. The website of bank bazaar is easy to use and user friendly. The customer service gives very good response to the customers. Bank bazaar creates better awareness and a good opportunity for the people to get financial products.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Sep 11, 2017
    • ICICI Bank Home Loan
      "Better Service"
      0.5 4.0/5 "Great!"
      The Home loan application has been filled by my brother and I got prompt response from the HDFC bank executives , at present I am planning to drop the home loan plan as my credit score is low, I would like to get a credit card and want to raise my credit score, then after few days I might opt for this home loan.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Sep 11, 2017
    • DHFL Home Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I have availed a home loan with DHFL around 6 months ago. This loan has the tenure of 20 years. The fore closure and the part payments options are available. They took around 2 months to disburse my loan amount. The rate of interest is high when compared with others. I planning to transfer this home loan to some other bank.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 31, 2017
    • Bank Bazaar Home Loan
      "One stop solution for all financial needs"
      0.5 4.5/5 "Excellent!"
      Initially I got response from Bank Bazaar, they have forwarded my home loan request to PNB housing, but one of bank executive was not responded, again they have shared some contact number of the bank, then my deal got closed. Bank Bazaar website is very informative, even a common man can also understand.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 21, 2017
    • Punjab National Bank Home Loan
      "They should be transparent in their process"
      0.5 3.5/5 "Pretty good"
      I was not happy with PNB Housing because they were not communicated clearly about the term and condition. I want my tenure to be lesser, but they disclosed about the period after the disbursement, Process was also not streamlined properly, I gave lot of calls to check the status. Other than that everything else is good.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 21, 2017
    • LIC Housing Home Loan
      "Low responsibility "
      0.5 3.0/5 "Satisfactory"
      From LIC, I had taken RS 23 lakhs as a home loan with a fixed rate 11.25%, LIC service initially was good and then they responded like GOVT staffs not like a corporate staff, the response from LIC staff was not good.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 18, 2017
    • HDFC Limited Home Loan
      "Quick Process"
      0.5 5.0/5 "Blown Away!"
      People from HDFC ltd visited my premises and collected the documents for the home loan. Even they had completed and sanctioned the loan in a week time. Their services are really good and I had received good response from them during the loan process.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jul 05, 2017
    • Kotak Home Loan
      "Disappointed Service"
      0.5 1.0/5 "Really Bad"
      Kotak Mahindra service was very bad, Earlier I had taken home loan with ING Vysya but after Kotak Mahindra took over that bank. Everything got changed I had requested them to do foreclosure but they did not respond. Then I went to the main branch and I got approval after two months of my request from Visakhapatnam branch. They asked me to do NEFT or RTGS. While I was doing the transaction it didn't accept to do huge amount. Finally I went to the branch and closed the loan and I got NOC after a month's time.
      Was this review helpful? 1
      , visakhapatnam
      Reviewed on Apr 26, 2017
    • Bank Bazaar Home Loan
      "Provides valuable service to customer"
      0.5 5.0/5 "Blown Away!"
      Bank bazaar helps a lot for the customers on their financial needs. I was on travel, that is when I had applied for the home loan, because my work place is far from my home. I can say bank bazaar reduced my work load up to 80% by giving the contacts with the perfect partner on time. Bank bazaar web site is easy to use and customer friendly . This type of service is needed for all the customers.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Apr 10, 2017
    • SBI Home Loan
      "Average service"
      0.5 4.0/5 "Great!"
      State bank of India follow up and response was excellent on my home loan application. The documentation and verification process was done very well. Compare to other banks Sbi is not giving the proper information about the monthly emi's. SBI briefly explained about the product, but they need to improve the equated monthly installment chart and present that in a clear way. The rate of interest is low when compared to others. The fee and charges also nominal with SBI.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Apr 10, 2017
    • Bank Bazaar Home Loan
      "Useful Website"
      0.5 5.0/5 "Blown Away!"
      Bank bazaar website is very useful, It was easy to navigate. We will get more information about financial product in a single web portal. Once I was entered my detail, I got immediate response from Bank Bazaar , also they was given proper information about my application.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jan 30, 2017
    • SBI Home Loan
      "Good Bank, Low Interest and Customer Friendly"
      0.5 5.0/5 "Blown Away!"
      I was applied for my home loan with state Bank of India. They could provide customer friendly services. Rate of Interest was less compare to other banks. I was not finalized my property, also due to demonetization i was post boned my plan. Once I finalized my property again I will approach State Bank of India.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jan 30, 2017
    • Bank Bazaar Home Loan
      "Good services"
      0.5 4.0/5 "Great!"
      I am not new to Bankbazaar and this experience for the home loan has been the best. They have also provided good services earlier as well. It would be better if the details match with the details of the bank. Other wise the services has been helpful.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jan 09, 2017
    • Punjab National Bank Home Loan
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      PNB housing finance done a on time process for the home loan, but there was also a slight delay because of miscommunication, but in all it was fine. The rate of interest is okay, if it could be less it would be nice. I got a rate of 9.3% . With regards to the processing charges, I was told that I have to pay a fee and once the loan is disburse, I would get half the amount back, but I am yet to receive the same so I do not wish to rate them on that.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jan 09, 2017
    • Bank Bazaar Home Loan
      "Good. Can do better"
      0.5 4.0/5 "Great!"
      Bankbazaar has initially contacted me and offered me the details of the banks and processed it to the banks. It would have been better if the follow up calls was done and also if it was more convenient for me to reach them when I had few queries. The website was user friendly.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Dec 31, 2016
    • SBI Home Loan
      "Overall a good process"
      0.5 4.0/5 "Great!"
      It was a proper process with SBI for the home loan. I went over to the bank and they completed the document process within an hour. Most of the things was completed and the loan was also disbursed on time. The rate of interest was around 9% and the charges was a bit high when compared to the other banks. The after loan services was a bit uneasy with regards to the EMI deductions.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Dec 31, 2016
    • SBI Home Loan
      "Good home loan process"
      0.5 3.0/5 "Satisfactory"
      The sequence of steps followed by SBI is very good. I am holding this housing loan for a period of 6 months, No drawback nor any challenges till date. Interest rate offered by SBI is very good . this loan is still ongoing and I am getting all statements from them on time
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Dec 30, 2016
    • Bank Bazaar Home Loan
      "Nice experience"
      0.5 4.0/5 "Great!"
      It was a good experience with Bankbazaar as I got to know a lot of banks and their offers. It would be better if there are more options given and the customer could get the loan amount he is in need off. The services and response was on time and the follow up calls was also good.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Dec 15, 2016
    • Punjab National Bank Home Loan
      "Could be more flexible"
      0.5 3.0/5 "Satisfactory"
      I could not proceed with PNB Housing finance for the home loan as they were not providing the loan amount I was needing. I was in need of 30 lakhs and they were offering me around 23 lakhs. The response was prompt and the interest rate and charges was average.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Dec 15, 2016
    • Bank Bazaar Home Loan
      "Super fast process"
      0.5 5.0/5 "Blown Away!"
      As soon as my friend logged in for me at Bankbazaar, there were calls from many banks and they were offering me the loan that I needed. The process was quick and instant. The services and response was also quick from them they were also really good in providing the loan details too.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Nov 01, 2016
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    Visakhapatnam Home Loan is Rated as "Great!" by 86 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Home Loan BYTES FROM OUR KITCHEN

    Visakhapatnam Home Loan

    Visakhapatnam, also known as “Vizag”, is a port city on the southeast coast of India in the state of Andhra Pradesh. It is often called "The Jewel of the East Coast" and the "City of Destiny". The city is home for various state owned heavy industries and a steel plants. Apart from accommodating various international information technologies and banking firms, the city is a hub for iron ore and other minerals which are exported to China and other countries. The fishing and real estate industry has seen a tremendous growth.The city has a population of over 1 million, is the second largest city in the state of Andhra Pradesh and the third largest city on the east coast of India. Visakhapatnam has been recognised as a Global City of the Future by McKinsey Quarterly.

    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 Visakhapatnam Home Loan if you are

    01
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    03
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    Visakhapatnam Home Loan Minimum Age

    At least 21 years old

     Visakhapatnam Home Loan Maximum Age

    Less than 65 years old

    Visakhapatnam Home Loan Eligible Employment Type

    Salaried / Self-employed
    with regular income

    Visakhapatnam Home Loan Minimum Income

    Earn more than the minimum
    income required


    Your Visakhapatnam Home Loan amount eligibility is based on these factors

    01
    02
    03
    Visakhapatnam Home Loan Minimum Salary

    EMI limited to about 50%
    of monthly income

    Visakhapatnam Home Loan Maximum Loan to property value

    Loan capped @ 75% - 85% on property value

    Visakhapatnam Home Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Visakhapatnam Home Loan amount by these steps

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

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

    Visakhapatnam Home Loan Maximum Tenure

    Choose longer tenure loan up to 20 - 30 years

    Visakhapatnam Home Loan Add parents as Co-applicant

    Alternatively add your parents


    Documentation needed to apply for an Visakhapatnam 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

    Visakhapatnam Home Loan Interest RatesUpdated on 24 Sep 2017

    Visakhapatnam 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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