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Hii guys, i am sorry if this is a duplicate thread. My concern is with the guys who have taken Home loan. How does the disbursement really work? bank says immediately after my insurance and loan agreement signature 10% will be disbursed then rest will be as per request. I dont really trust bank...

I want to transfer my home branch from Mumbai to Chennai. I went to chennai branch for transfer and they says that you have to give a letter to home branch only. I do not have any work or plan to go to Mumbai and i cannot go exculsively for that. Tried in netbankng and it is not allowing due to...

So my loan is ready to be disbursed but hdfc drops the bomb now. says i need to select pre emi option only as they dont provide full emi for under construction properties. now selecting pre emi causes me a loss of 6 lakhs. i want to know did anyone get full emi? for under construction if yes...

So guys i have taken a home loan for 10 years monthly emi 74K. since i am building a apartment my. i will also receive monthly rental income. I can easily prepay extra 70-80k (every month) on top of 74k emi every month my question is which option is better to save most interest??? my head hurts...

So, my loan got sanctioned with HDFC disbursement is pending. they are asking me to take a insurance from them. that is a concern but not the main one. my main concern is i have read some threads saying HDFC during contruction even after paying full emi (not selecting pre emi) doesnt reduce...

Which all debit cards can be issued with the savings A/C that gets opened with Baroda Max Advantage Home Loan? In particular, can I apply for Rupay Select DC or the Sapphire DC?

Will my home loan interest be reduced with recent RBI ratecut ? When I emailed my home loan provider Bajaj housing finance, theresponded this and I really don't understand this. Can anyone explain?

I am planning to install two ACsin my home before severe summer heat begins. Location: West Bengal Approximate Temperature During Summer: 40-46 degree Floor: 1st floor ( 3 storey building, Ac will be installed on middle floor) Direct sunlight falls in the side wall of the room For First AC 1...

RBI has cut repo rate by 25 bps. Source:- https://www.moneycontrol.com/news/business/rbi-cuts-repo-rate-by-25-basis-points-announces-new-rbi-governor-sanjay-malhotra-12933114.html Just wanted to know how and when will this affect the current ongoing home loans. How much time it takes to...

Hi, I have some query, I am currently in need of money let say 25L (actually more) for some uncertain reason to clear some debts which I never took, So trying to get through loan with lowest interest, I have ongoing hdfc home loan with 88L at 8.5% from April 2024 in which I have already prepaid...

Hello Team, I came across a Reddit post and a Techfino post about getting a Rupay select card from BOB https://www.technofino.in/community/threads/ama-bank-of-baroda-2024-review-hidden-gem-homeloan-radiance-account-sapphire-rupay-select-debit-card-eterna-cc.27257/ I also have a Loan and...

Are there any savings accounts which are designed specifically for Home Loan Customers? I know of HDFC Speciale Activ (available for use for HDFC Home Loan Customers). Are there any other?

Disclaimer - I have complied information and wrote this . Take your CA words for tax & do your own research for more You can edit if u see anything wrong.. Sorry for grammatical mistakes. Loan calculator for reference:- Let's cut short and here is how u can save directly or indirectly after...

People who took home loan, what were the legal, valuation fee and any other fee you paid? Myself for BoB, I was asked Legal fee to Lawyer: 4.5k Valuation fee to Engineer: 5K Documents: 2.2K This is the fee I had to pay to get documents from Government offices like Pahani, ROR, EC, Single...

I am getting home loan at 8.5% from sbi. lawyer fees 3.5k valuation fees 3.5k Is it still possible to get less than 8.5%? Should I hire lawyer from my side too, if bank is doing verification? Who will prepare the legal documents? When should i pay the advance to the owner after the loan is...

I am planning to buy a resale flat which is under a loan in a private bank. I requested the seller to close the loan and give me the encumberance certiifcate showing house is on his name. However, he is requesting me take over the loan and i can take loan from public sector bank only . Is it...

Hello Technofino Community, I currently have a home loan with ICICI Bank that was taken for purchasing an empty plot. The current interest rate on this loan is 9.4%, and I am exploring two options: Top-Up Loan: Is it possible to top up my existing home loan with ICICI Bank for additional...

I have a home loan with union bank of India, which due date is on 15 every month ,the money get debited on 15 of every month automatically. I have got a kotak super 811 debit card. I wanted to make payment using it from sbi unipay . As unipay consider every transaction as utility hence I will...

Everyone let's see how everyone's desktop screen (homescreen) looks like! Please dikhado naaa...... dikhado :devilish: