Home Loans
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User reviews
  • UCO Bank housing loan: This bank is always providing different scheme on housing loan. When i applied for the housing loan they had scheme like fixed interest rate.The customer service was good and the documentation was very simple. The whole process got completed in three the processing time taken was little disappointing.
    06:25 PM - Sep 02, 2014

    SAMIR SINGH, thane
    4.0/5 "Great!"
  • Kotak Mahindra housing loan: When i applied for the housing loan with Kotak it was a disappointing service from the customer service executives. when ever i raise for any query i don't get the proper response from them. I got the loan amount approved in one and half month. i would say that the customer service executives should learn some professional ethics.
    06:04 PM - Sep 02, 2014

    PREETHAM S, hyderabad
    3.0/5 "Satisfactory"
  • Home Loan with HDFC Limited the process was very fast and their was minimum charges, interest rate was comparatively less, with in 14 days loan got approved, i did not have any issues, overall the process went in smooth manner i have not find any difficulties.
    05:46 PM - Sep 02, 2014

    MANAN M, surat
    5.0/5 "Blown Away!"
  • ICICI Bank housing loan: The experience was little disappointing due to customer service executive they keep on calling on the same information but with different executives. The loan application was postponed from my end because my property was not finalized.
    06:24 PM - Sep 02, 2014

    SAMIR SINGH, thane
    4.0/5 "Great!"
  • ICICI Bank housing loan: It was a good experience and immediately i got the call as soon as i submitted my requirement on the on-line. The customer service was very good and they explain me about the loan process.i was just looking for my eligibility that how much amount i am eligible for and now i am pretty much clear on the process. The loan application got closed from the bank side, sine i am not going for the housing loan immediately.
    06:03 PM - Sep 02, 2014

    PREETHAM S, hyderabad
    4.0/5 "Great!"
  • LIC Housing loan: It was a long process and there where too much documents collected for processing the housing loan. The customer service was very disappointing. The whole process got completed in two months. I would say that they need to improve more on the rendering service to the customers.
    05:44 PM - Sep 02, 2014

    RAJESH N, bangalore
    4.0/5 "Great!"
  • I have contacted ICICI for the home loan, as far as ICICI is concerned, their service is really good expect for the home loan, as for home loan the service it is just average . It will be really good, if ICICI offers loans to such property which Government has approved.
    06:19 PM - Sep 02, 2014

    DEEPAK KWATRA KWATRA, new delhi
    4.0/5 "Great!"
  • Prior experience with ICICI bank in terms of home loan is not good. I didn't have a proper communication with customer service. I didn't feel convenient about the rate of interest which was higher. However the way of approach is good in terms of phone banking where they called up and provided me the information.
    05:59 PM - Sep 02, 2014

    SHANKAR SHAHU, pune
    3.0/5 "Satisfactory"
  • LIC housing loan: It was a very good experience and the team was focused and understand the exact customer need and the most important is that they promptly follow up with the customer and understand the exact requirement of the customer. The whole process got completed in almost fifteen days.
    05:39 PM - Sep 02, 2014

    KALPESH NIMBRAJ , pune
    4.0/5 "Great!"
  • I am currently awaiting the home loan disbursement from ICICI bank. I have submitted my documents around 2 weeks ago and I am awaiting the loan from the bank. Documentation was pretty simple however the processing time was longer. They committed only 12 days for processing but they have much more time. Rate of interest was 13.75%. I may not recommend the bank due to huge processing time & fee.
    06:04 PM - Sep 02, 2014

    ROHIT K, pune
    3.5/5 "Pretty good"
  • They have offered me less amount of loan, my expectation is some more than that, that is why I have not taken a home loan with ICICI. The service and communication was very good. They have responded well, their response is really good. To be honest, expect for the loan amount everything else was good.
    05:47 PM - Sep 02, 2014

    AMOL RAUT, mumbai
    5.0/5 "Blown Away!"
  • ICICI Bank housing loan: My experience with the ICICI Bank it was good, the only improvement which i can suggest to get the prompt follow up from the client requirement and give them the best competitive offer, which can lead the bank in the current loan market.
    05:37 PM - Sep 02, 2014

    KALPESH NIMBRAJ , pune
    3.0/5 "Satisfactory"
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BankBazaar Home Loan is Rated as "Pretty good" by 1884 Users
 3.5 / 5.0   by 1884 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 03 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 1884 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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