Your Questions About Home Loan Interest Rates India

Mark asks…

Please specify the bank name in India which is offering lowest interst rate for Housing Loan?

I Bought a flat by Home Loan in India.The interest rate offered by the bank is 11.25%in floating system.I feel it is very high.Is there any bank offer lower interest than this rate of interest.Is it possible to convert to one bank to another bank?

John answers:

In the present day situation there is all possibilities that the Intrest rate will still move up further in order to curtail the Inflation so the 11.25 % that you are paying now is apt.

Chris asks…

Which American Bank gives loan for Home Purchase in India ?

I want to buy House in India. All legal process documents can be provided with State Level Authorities Attestation.

I want to find out if any American Bank here in US offers loan for such investement in India. The reason behind it is, I want to utilize the low interest rates here rather than opting for ddouble digits interest rates in India for home loan. So “Borrow in dollars and pay-back in dollars” will be the best way for me, since I will not have to take the extra burdon of “decresing dollar-to-rupee value” as factor while re-paying the loan.

Any suggestions ?

John answers:

American banks will not loan money for purchase of land in foreign country. Has to be in the USA, as they cannot foreclose on foreign lands.

Susan asks…

Can anyone guide me to obtain a Home Loan in india for approx 15 lacs. Less interest rate etc.?

John answers:

Inerest rates are almost same. They will need your three years income tax return, photographs, a guaranter, salary statement certified by your employer, residence proof and bank statement.

Generally it is equal to your forty months of salary. It is always better to get it through a nationalised bank though they take time to process. But they don’t have hidden costs and don’t hire musclemen if you fail to pay EMI for some reason. Check with at least five banks. Beware of Citibank, ICICI, HDFC ( private banks).

Donna asks…

Best bank in INDIA for taking Home Loan?

Which is the best bank in INDIA for taking home loan. By means of interest rates, service after giving loan, transperency in transactions etc.

John answers:

SBI – no second thought.

Ruth asks…

home loan interest rate?

I have 2 questions.

(1) which bank in india provides the best customer service for home loan ?

(2) could you please tell the home loan interest rate (fixed rate) of HDFC and ICICI bank ?

And finally , let me know the the name of the bank which provides the best customer service after taking a loan.

there has been a lot of bashing on ICICI customer service on home loan.

http://www.mouthshut.com/product-reviews/ICICI_Home_Finance-925048119.html
————————–
Hi, please tell me the fixed rate not the floating rate .

However, very surprisingly , HDFC bank did not reply me on a query (sent by email) i asked to open a new savings account ……i doubt how much they will be aggressive to serve for post home loan.

do they have any active 24×7 customer service ?
how do you get response from them ?

any do they cover any life insurance ? if i die in my loan payment tenure …will my family suffer ?
———————–
I am not looking for the low interest rate .
I am ready to pay more provided if i get the best service from them.

I’ll not go for public sector bank or organization , they are very poor in terms of service.

I am looking at private sector banks who has the 24×7 customer service cell active.

John answers:

HDFC home loans has the best service after you have taken the loan. The present floating rate is 9.25%.

Www.hdfc.com

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