home loan

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...

I applied for home loan of around ~82 Lakh in SBI. I asked employee for credit card with home loan so He said SBI Prime and simplysave can be offered without any fees. Denied for Elite. I am not sure if that is true as SBI doesn't generally do LTF buisness. Could anyone confirm if SBI gives LTF...

https://www.bankbazaar.com/home-loan-interest-rate.html this link compares for the interest rates and processing fees for home loan from each bank. How should one evaluate which bank to go for? what should be the other factors to consider in and clarify before starting the loan.

I am paying home loan of 10 lakh via cash…. How can I prevent income tax notice… Which is the best bank home loan account which is not linked to PAN Card and allows cash deposit.

Hi Guys, Has anyone been able to get a Infinia or DCB basis Home loan relationship with HDFC Bank. If yes, was it pre- approved online offer or negotiated offer during sanction. Thanks in advance!

Think before applying for a loan from the Bank of Baroda. They simply cheated me & deducted my hard-earned money without giving any proper disbursement. Let me elaborate on my issue here: I approached my BOB Branch to apply for a home loan on 12th Sept'24. Initially, BM asked me to share my PAN...

Hello , I don't have any Salary Account till date only SBI Savings Account. 85K per month Salary credits . I want to take a salary account from a bank where within a year I could take home loan which should have - faster approval - special interest rate - 90 to...

I can send money to my loan account through MobiKwik but should I do that full time?

Took HDFC home loan for 25 years (300 months). So far there has been 3 Disbursement request. 2 in September and 1 in Mid oct. Last month on Oct. I already paid 1 EMIs. It was a normal EMI and not the PEMI. Now, when I look at the HDFC portal. It shows the balance term is 300, original term is...

Hi Team, I have taken SBI home loan 2 years back and while taking loan that bank person insisted to take property insurance but I have denied that as it was not required to me. Now when Final 100% disbursement demand letter came from builder , I have provided required documents to bank person...

Hi Fam! I was going through the forum to assess all Banks/ Banking Programs which consider Home Loan, in some or the other form, in their calculation of TRV. Since I couldn't find any single thread for the same, I thought of collating one here. Based on my research, I could find the following -...

Hi, Starting this thread to maintain the list of Banks who provide Home loan with the option to make payments using online transfer (IMPS, NEFT etc.). This is important while choosing the home loan provider for people considering to make prepayments. List of Banks that allow online transfer...

I don't open the hdfc portal frequently but saw today that now you can pay your loan using payment methods like other bank DC, wallets (only payzapp as of now) and UPI. This opens the door to lot of possibilities. You can also customize the amount you want to pay. Update - only Rupay DC...

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...