What's the best bank for home Loan

[myUser1878]

Hi, I'm planning to get a home loan in the next 6-12 months. I know it's a bit early but based on your experiences what's the best bank to get a home loan from. HDFC is cheaper than SBI but SBI seems more genuine in terms of rate hikes in the future.
I also know folks that have an SBI loan with 9.1+ ROI while HDFC is under 9.0 still. So a little confused on this. Please share your experiences with these banks.
Also I'm getting a pre-approved loan offer from ICICI with 8.9 ROI and some extra charges. Is that option also good ?

 

[sadhunath]

yes if you are salaried person .. as soon as salary comes park your money here and keep spending from this account to save on intreset

Usually, Maxgain has 0.5% higher interest rate compared to normal home loan. At least the branch I visit did this.

 

[sadhunath]

Nothing Fishy, Myself have the loan with axis.

Rates are keeps changing with RBI repo rate changes, like all other banks do.

Only thing is..

Axis is rewarding there customers with 12 EMI's off who pays their EMI's on time.

Which other banks don't.

Rates are higher, no?

For new loans, other banks (BoB, HDFC, SBI) are offerering HL for 8.4%.