home loan

Hi All, I am looking at Home Loan with OD options (or as many call "Home Saver" accounts) and it appears that almost every bank has one variant of it now. I wanted to know whether are there any specific criteria to be considered/ explored while selecting one Home Saver account over another? Or...

HDFC sales are such cunning people. They tried to trick me into signing their HDFC Ergo property insurance document. Good that I caught it up in time. Also, multiple calls and email where they have claimed taking insurance is a part of the home loan process and I must choose 1 plan and give...

Hi, Last year in Feb-2023 Applied for Home loan in SBI. Person came to collect Documents and after few days went to RACPC in Bangalore to sign the Documents. After 2 days, one guy called from RACPC and told me to pay 0.1% stamp duty, with out that they cannot disburse the home loan. He sent me...

I know many people will select SBI as the preferred one but I have a bitter experience with them, they were offering me the highest interest rates even after having good cibil score & charging here & there which is unclear. So, I am little curious about public opinion.

I need some help on HDFC home loan as its the first time I am dealing with home Loan. The loan is for 40L for a under-construction property. The sanction letter they shared has following wordings : The borrower undertakes to insure the property for full reconstruction value and assign the...

Does anyone have a Home Loan with DBS Treasures? I'm looking to transfer my existing HDFC Home Loan as I'm not satisfied with the services, and am looking for a review about DBS Treasures Home Loan, especially on these parameters: How easy is it to make a partial pre-payment? Can it be done...

Recently took SBI home loan. SBI agent has asked us that an additional MODT payment is required. Agent has asked for 5000 as processing fee(actually br***). As per him this needs to be paid in registrar office. Can anyone please guide on this ? I obviously want to avoid this fees. This is my...

I recently got a SBI home loan (SBI processes home loans using a separate branch that they call racpc) One person at the branch told me that SBI would charge me ~1800Rs for life insurance to cover my home loan, and I told him that I was fine with it, he then made me sign at around 100+ places...

Does anyone have a contact for a person who offer 0.5% or 1% cashback on successful home loan application? An agent is offering me 0.5% cashback, but I am a bit sceptical with it. That disbursement does not becomes a issue as he is a 3rd party agent.

Has anyone transferred home loan to other bank? what were the difficulties?

Will a home loan impact the credit score?

Not able to find SBI home loan on any wallet (AmazonPay, Mobikwik etc) Is there any other way than transferring from the Yono App? Like use a dc or cc?

I applied for home loan from PNB. my loan is approved but amount is not yet disbursed. My Emi is due on 31st July. I checked various forums and found that emi starts after disbursement of loan amount.

I have an ongoing home loan I got LIC HFL for 8.75 ROI, but on CIBIL report, its showing 9%. My EMI Installments are 90rs more than what an EMI Calculator show for 8.75%. so I'm getting it at that ROI only, I don't know why it was reported to CIBIL incorrectly. Does this difference matter...

As far as I understand, banks when giving out Home Loan under RLLR, charge an interest rate that is a combination of the current repo rate and their spread (which includes a risk premium based on the borrowers profile). For a new borrower, with no credit history, this risk premium might be on...

I got introduced to BOB in 2021 when I got an offer to transfer my home loan. BoB is one of handful banks who has overdraft facility for HL, just like SBI maxgain. So, I started putting all my emergency funds and non-investment funds in this account. Recently, I got to know that my account has...

Hi guys. My Home Loan was with Citibank and was linked to the 3 months TBLR with a Spread of 1.76. Now that Axis Bank has taken over Citibank, I've received their communication for conversion to Repo rate linked loan wherein they will keep the Spread to match the total RoI. To illustrate, this...

I am looking to take a home loan from HDFC and have a couple of questions 1. I am taking floating rate interest, and the agent says there won't be any charges when rate decreases due to the repo rate change in this case. However hdfc website says otherwise. 2. Agent says that I have to bear...

Is there an option to pay any amount towards repayment of Homelan apart from EMI with HDFC? I know the online payment option by sending email to cc. But what I am asking something similar transfer directly to home loan account. I heard SBI, ICICI have this option

I have applied for home loan from HDFC Bank via HDFC Channel where they assigned Sales Executive. He sent me link and i filled the online application by paying login fees. After which i uploaded my documents. Now the status shows as stucked in sanctioned section even though i had selected the...