Home Loans

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User reviews
  • I have applied home loan application from HDFC limited where I havent got any information from them. And also If it was not getting approved they should inform the reason . While at the time of application submitted they called me post which they failed to do follow ups. They charged me 0.2% as processing fees eventhough I have provided all the relevant documents
    02:08 PM - Sep 23, 2014

    MOHD AMIN, kolkata
    3.0/5 "Satisfactory"
  • I had to close my recent home loan application with HDFC LTD because the minimum loan amount offered by them is not meeting my requirement. I was looking for a very less loan amount whereas HDFC LTD was offering me a huge loan amount. I am pretty much happy about the customer service and response from HDFC LTD.
    02:03 PM - Sep 23, 2014

    S G GIRIDHAR, chennai
    4.0/5 "Great!"
  • I did get the home loan from ICICI within a short span of time. The processing was so quick where everything was done in a smooth manner. Interest rate is 10.15% with 3000 as processing fees. Even the customer service team of ICICI was pretty cool. Overall it is a good experience.
    01:58 PM - Sep 23, 2014

    RANJIT PISHARODY, pune
    4.0/5 "Great!"
  • Since there was no response from HDFC limited for such a long time, I haven't got the home loan from them. However, initially the officer Sangeetha explained and probed out the requirement details from me which is good. She intimated that I would be receiving call from other officer which didn't happen. After 20 days of time, I did get the call where then I changed the plan of availing home loan from HDFC limited.
    02:04 PM - Sep 23, 2014

    SAMARJIT KUNDU, kolkata
    4.0/5 "Great!"
  • I had approached the HDFC LTD relationship officer for a home loan. There was no proper response given to my application and nobody revert to me for collecting the documents. I am really unhappy about the way they reacted and the customer service definitely needs improvement. However I still recommend HDFC LTD.
    02:01 PM - Sep 23, 2014

    YOUSUF NAUSHA ALI MIRZA, dubai
    3.0/5 "Satisfactory"
  • Due to few property issues and even HDFC limited was not ready to offer higher loan amount, I havenâ??t continued further. The response from HDFC limited officer was quite good. I am expecting quite higher loan amount which would be helpful.
    01:52 PM - Sep 23, 2014

    VISHAL S DEWARDE, mumbai
    3.0/5 "Satisfactory"
  • Due to some personal reasons I had closed my home loan application with HDFC LTD. I had a great difficulty and I couldn't arrange the down payment at this time. I would surely re-consider my loan request if I get the required fund in my hand. The relationship officers of HDFC LTD are very friendly and helpful however I had to post pond my plan until the next year to get the required sum of money.
    02:04 PM - Sep 23, 2014

    PAWAN KUMAR TIWARI, ahmedabad
    4.0/5 "Great!"
  • I did made an inquiry with HDFC limited for home loan as well as I haven't finalized the property. The relationship officer did explain me about type of Khatta , what the loan amount I would be getting it and also the interest rate part. Overall it a good experience.
    02:00 PM - Sep 23, 2014

    MAMTHA GUPTA, bangalore
    4.0/5 "Great!"
  • I was not able to finalized the property yet so I have decided to close the loan proposal. Customer service and response was too good. They offered me good interest rate. Overall it was very good experience by applying a loan from them
    01:31 PM - Sep 23, 2014

    BALAPRAKASH N, thiruvananthapuram
    4.0/5 "Great!"
  • AXIS bank services is great in availing home loan. I felt it was a best service received from them. Rate of interest is 10.15% with 6000 as processing fees. My suggestion would be the person coming from AXIS bank from various departments needs to be quite professional which I think could get improvised. And also they should get updated about the loan processing overall.
    02:03 PM - Sep 23, 2014

    SAMARJIT KUNDU, kolkata
    4.0/5 "Great!"
  • Actually the property I had finalized falls under Gram Panchayat which is not eligible for the home loan by HDFC LTD. Otherwise my overall experience with HDFC LTD was very good. The relationship officers contacted me within an hour and they followed up very well. Only concern is the high rate of interest & charges.
    01:59 PM - Sep 23, 2014

    SWETHA D C, bangalore
    4.0/5 "Great!"
  • When I applied a home loan from Bank of baroda I have received my repayment schedule without any hassle. The response was very good and same as what I have seen in day 1 when I applied. Interest rates are quite normal and same as what other banks are providing
    12:33 PM - Sep 23, 2014

    KAMLESH K KOTADIYA, ahmedabad
    4.0/5 "Great!"
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BankBazaar Home Loan is Rated as "Pretty good" by 2649 Users
 3.5 / 5.0   by 2649 users
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Fees & Charges

Promised Interest Rate

Customer Service

Responsiveness

Home Loan BYTES FROM OUR KITCHEN

You're eligible for a Home Loan if you:

01
02
03
04
That's 21 years old, same time that everything besides milk becomes legal too

Are legally adult enough to handle it

Less than 65 years of age, because sanguine golden years are for playing golf

Have still got it

Salaried or self-employed - whatever puts food on your table

Get a regular pay check

There's a minimum amount for that regular pay check

Make more than a basic buck


Your eligibility depends on

01
02
03
So you'll have enough for life's other goodies

EMI limited to about 50%
of monthly income

So you have something to call your very own from the get go

Loan capped @ 75% - 85% on property value

So you don't bite off more than you can chew. Trust us, it's less painful this way

EMIs of other loans lower
your eligibility


Boost your eligibility by

01
02
03
Her income will bolster your eligibility and make good on your wedding vows of sharing, caring and avoiding doing the dishes.

Making your spouse a co-applicant

We've all learned that haste makes waste

Choose longer tenure loans of up to 20 - 30 years

They will always remain older, wiser and more credible than their offspring.

Alternatively add your parents as co-applicants


Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 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

Home Loan Interest RatesUpdated on 24 Sep 2014

Home Loan Details
Interest Rate (Monthly reducing balance) 10% - 10.5%
Processing Fees 0.5% of Loan
Loan Tenure 1 year to 20-30 years
Partial pre-payment Charges Nil
Pre-closure Chargest Nil

rated 3.5 /5.0
by 2649 users
Over 5,00,000 Happy Customers with loans & cards
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Offers to Compare
Over 25 offers to compare!

This is our forte- helping you compare the finest deals. Additionally, we'll handpick offers that suit your profile and present the best rates from several banks, so you can make a thoroughly-informed decision.

Breaking Down Offers
Breaking down offers

We're obsessed with giving you a 365 degree view of offers. So, we'll break it down for you - EMIs, eligibility, maximum amount that can be borrowed, fees, hidden charges... no more getting fooled by the fine print!

Why Apply Online
Preferred over builder

There's a good reason by thousands of customers choose BankBazaar - we support you in many more ways than a builder would through the process - multiple options & timely handheld support.

Cheaper then Dealer
Why apply online?

You don't have to fight for parking space! Jokes apart, applying online will help you save time and money; plus, you'll be able to use the services of our super-friendly customer service team at anytime and get all your queries answered.

Comparing Best Car Loans
Done comparing! Now what?

We showcase the best loan offers and help you compare them... what next? Well, we'll aid you in applying to the bank of your choice and work with you right up to the delivery of the loan!

Still have a gazillion questions?
Still have a gazillion questions?

Think of BankBazaar as your loan-savvy buddy! Our customer support team is at your service to clear doubts on eligibility, offers, procedures and documentation, and help you apply. They'll even co-ordinate with the bank to get you your loan on time.

Connect to the Bank
We'll connect you to the bank

We know the bank guys really well! So, if you want to talk to a bank representative or get help on your loan application, we won't just connect you to them; we'll also do the follow-up on your behalf.

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