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Welcome
        Building a dream home is a life time achievement to a middle class person. To make this dream come true a person need to save money and need to raise loans from banks. Now day’s banks are playing a significant role in providing financial solutions to the customers who are in need of a home loan at their door steps. But if you don’t plan properly and if you are not aware of the terms and conditions of the bank and the product then you will end up paying more money to the bank in terms or principal and interest components.
       To avoid these situations to our valuable customers we are here providing all the information in regard of home loans. Here a customer can have full product description which he is going to take, list of documents which are required to avail a loan, his/her loan eligibility, file status, amortization, drafts agreements and many more.
       Get the latest updates on the news which will affect the home loan which you have already taken or the which you are going to take, read articles which will help you with the home loan process and apply to the different banks to get the best deal in the market just from here.
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       Get the latest updates on all news related to home loans here.
FAQ's                                                                                                      More...
       Have a doubt just post here and we will reply to your query with the appropriate answer and suggest the best way to solve all your home loan related issues. Also read what the other customers have posted about their home loan related queries.
 
Question :  Hi I have recently selected a property and applied for a home loan. When the process is complete and before disbursement the executive asked for original documents to cross check with the photo copies submitted. The builder said the documents are not there now and will take time to verify. Is original documents verification is must, please suggest me the next step. Thanks in advance
- Vamshi Kishore
Question :  Is it possible for applying joint loan (me & my wife), as my wife works in a small firm where salary is given in terms of cheque and no deductions like PF etc.. is done.? Kindly let me know.Thanks in Advance
- Praveen Shetty
Question :  I want to buy a flat which is in third floor where as approval is only for two floors. Thrid floor flat owner has recently applied for BRS. Please advise me the banks that offer loan for this propert
- raj
Question :  I am planning to buy a flat worth 35 laks. When i tried to apply loan in Bank of baroda and Lic i came to know that there are 3 deviations in the property. 1. FSI is 1.8 2. No approval foe 2nd floor. (But my flat is in 1st floor) 3. Block deviation Is it advisable to buy this flat. will there be any problems in future if i buy this flat. How can i demand the owner for these deviations.
- Amala
Question :  We have taken a loan of Rs.900000.00.. to be repaid within 20 years..if in case v opt to repay the laon amount of Rs.450000.00 will the EMI amount stands the same..
- zahida
Question :  I have availed of a housing loan to construct a house on a property that is owned by my father. My father is a co-applicant. As I am bearing the EMI`s, can I avail of the IT benefits on principal and interest payments on the home loan
- Sudhir
Question :  I applied for home loan but technical verificatin was not properly as per bank there is 60% of deviations but as per builder there is no deviations, what to do and how to check and conclude who is correct Thank
- zafar
Question :  I am planning to buy a plot, through loan. I want to knwo that whether i would be entitled for tax benefits or not.
- amit
Question :  Hi I have been relocated to Hyderabad from a different city. And Now I to get home Loan here .... Will I get it ... as all my documents are of a different place
- Namrata
Question :  Sir i have got approval from municipality for G(stilt car parking) + 2 construction. But due to financial crisis iam planning to build G(construction)+1 for going car parking. Will this cause a problem in me getting a loan(Technical Deviation)? And plz suggest the solution
- satish
Post a query
 
Technical Valuation
Have you selected a property and ready to apply for a Home loan, if so stop! Evaluate your property before going for a home loan and have a clear idea about the property value, horizontal and vertical deviations in the property. It is always suggested to have a general assessment of the property before submitting the documents in the bank so that we can save a very good amount by having the valuation done in advance at a very min cost.
EMI Calculator
Loan Amount (INR)    
Interest Rate (%)    
Period in Years    
Banks and Interest Rates
BankRate of Interest
ICICI Below 20 lacs - 9.25%
20-30 lacs - 9.50%
30 lacs and above - 11.00%
IDBI Upto 30 Lacs 9.25%
Above 30 lacs 9.75%
AXIS Upto 30 lacs 9%
Above 30 lacs 9.5%
Fixed 14%( Irrespective of loan type and amount)
SBI Upto 5 Lacs 8.5%
Above 5 lacs below 20 lacs 9.25%
Above 20 below 30 lacs 9.75%
Above 30 below 75 lacs 10.75%
Bank of Baroda Up to 30 lacs 9%
31 to 50 lacs 9.75%
Above 50 lacs 10.5%
HDFC Bank Below 20 lacs 9.75%
ING Vysya Upto 20 lacs 9.25%
Above 20 below 30 lacs 9.5%
Above 30 lacs 9.75%
List of documents
      To start with the home loan processing a customer need to submit the documents and this will vary depending on the product and...
Check your status
      Normally customers want to know their file status during the home loan process. But people face different types of situations where they wrongly...
Know your agreement
      It is the Agreement which a customer need to sign before going for disbursement of the loan which he requested to the bank to fund...
Draft Agreements
      To complete the legal and technical process over a property which the customer is buying by taking the home loan need to have a sale...
Articles
      One should be aware of the products which are applicable to them before processing their application. Articles usually help the people...
Amortization
      One can calculate the EMI and the amount of principal and interest components in an EMI, and he/she can also calculate the...
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