Home Loan in Bangalore, Housing Loans Bangalore | Sulekha

920+ Home Loan in Bangalore

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    Bangalore
    • Bangalore
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    • Independent house
    • Flat / apartment
    • Plot
    • Home construction
    • Plot & construction
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    • Less than 10 lakhs
    • 11 - 15 lakhs
    • 16 - 25 lakhs
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    • Salaried
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    • Less than Rs 20,000
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    • Rs 40,000 - 60,000
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    With rapid urbanization around many parts of the city, many professional have opted to buy homes near their workplaces inside the city. Due to this, many have opted to go for home loans to fulfill their dreams about buying their own place. Bangalore has 870+ agents for loan against home.

    Best Home Loans Providers in Bangalore as on Feb 19, 2018

    1. +91 80 48100880
      Home Loans, Home loans

      No. 142, 3rd Floor, Kammanahalli Main Road, Kammanahalli, Bangalore - 560043

    2. HDFC Ltd.

      4 Reviews 6.2 Sulekha Score
      Home Loans, Home loans
      Also Servicing : Bangalore

      Churchgate, Mumbai - 400020 Get Directions

    3. +91 80 43691843
      Home Loans, Home loans

      No. 408, Kalyan Nagar, Bangalore - 560043

    4. +91 80 43691405
      Home Loans, Home loans

      No. 52/E, Office No. 4, 80 Feet Road, H.B.R. Layout, Bangalore - 560043 Get Directions

    5. +91 80 43691922
      Home Loans, Home loans

      No. SF-3, Lotus Kavery, Indira Prastha Layout, Pappamma Street, Ramamurthy Nagar, Bangalore - 560016

    6. +91 80 48100718
      Home Loans, Home loans

      No.S-517, 2nd Floor, South Block, Manipal Centre, Ulsoor, Bangalore - 560042 Get Directions

    7. +91 80 48031385
      Home Loans, Home loans

      No. 56, 1st Main, 4th Cross Health Layout, Annapoorneshwari Nagar, Nagarabhavi, Bangalore - 560091

    8. +91 80 48032115
      Home Loans, Home loans

      No. 309, Shreshta Bhumi, No. 87, K.R. Road, Shankarapuram, Bangalore - 560004

    9. +91 80 48045381
      Home Loans, Home loans

      SLN Mahal ,No. 5/3, 1st Floor, 3rd Cross, Link Road, Malleswaram, Bangalore - 560003 Get Directions

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    • Page 1

    Recent Reviews by Customers as on Feb 19, 2018

    Average Rating (4) - 14 reviews
    1. 13th April, 2017

      I'm looking for the home loan and I got it from this Punjab National Bank in Rajaji Nagar, Bangalore. The loan amount was 90900.Documentation charge was very modest rate. They did the work very quickly in order to get the loan quickly. Staff member was very cooperative and very friendly moving into the customer. There was a quick response to the customer since the customer satisfaction was very important. Good service from them.

      3
    2. 7th April, 2017

      Took the Home loan from this Capital First limited.Interest was nominal, but I am not satisfied with their service and response.I am not happy with this concern.

      1
    3. 11th March, 2017

      Taken the Home loan from this Capital first limited.The interest rate was nominal and loan sanctioned by them within the short period of time, pleased with their service.

      1
    4. 21st February, 2017

      Took some Two wheeler loan here and the rate of interest they have charged was high compared to others.They didn’t provide me any grace period.So it was an average service from them.

      1
    5. 17th February, 2017

      Took the Home loan here and the loan amount was 20 lakhs.The interest percentage was nominal only.Excellent customer satisfaction, so happy with them.

      1
    6. 17th February, 2017

      Took some home loan here, they have verified all my documents o the short period of time and sanctioned my loan immediately.Interest was nominal only, happy with this concern.

      4
    7. 13th February, 2017

      From this business people I had taken a Home Loanfor below 15 lakhs,also they charged me resonable amount for that .their service was very good and proper.i am satisfied with their service..

      1
    8. 10th February, 2017

      Taken personal loan from this company. The company staffs are very obliging to the customers and they availed my loan in one month as per the said amount. Gratified to obtain my need from here at the right time.

      1
    9. 10th February, 2017

      Got home loan from this Capital First limited.Documentation charge was very modest rate.they did the work very quickly in order to get the loan fastly. staff member was very cooperative and very friendly moving to the customer.there was a quick response to the customer since the customer satisfisation was very important.good service by them

      1
    10. 1st February, 2017

      Got home loan from this Finance Ltd.documentation charge was very modest rate.they did the work very quickly in order to get the loan fastly.staff member was very cooperative and very friendly moving to the customer.there was a quick response to the customer since the customer satisfisation was very important.good service by them

      0
    • PREV
    • Page 1

    Recent Enquiries by Customers

    • Type of property: Home construction
    • Home loan amount: 26 - 50 lakhs
    • CIBIL defaulter status: CIBIL defaulter
    • Property status: Yes
    • Nature of employment: Self-employed
    • Income range for home loans: Rs 20,000 - 40,000
    14 hours ago
    • Type of property: Independent house
    • Home loan amount: 26 - 50 lakhs
    • CIBIL defaulter status: Non-CIBIL defaulter
    • Property status: Yes
    • Nature of employment: Salaried
    • Income range for home loans: Rs 20,000 - 40,000
    2 days ago
    • Type of property: Independent house
    • Home loan amount: 26 - 50 lakhs
    • CIBIL defaulter status: Not sure
    • Property status: No
    • Nature of employment: Salaried
    • Income range for home loans: Rs 40,000 - 60,000
    5 days ago
    • Type of property: Home construction
    • Home loan amount: 16 - 25 lakhs
    • CIBIL defaulter status: Not sure
    • Property status: Yes
    • Nature of employment: Salaried
    • Income range for home loans: More than Rs 60,000
    6 days ago

    Recent Bookings in Loans

    • Type of property: Independent house
    • Home loan amount: 26 - 50 lakhs
    • CIBIL defaulter status: Non-CIBIL defaulter
    • Property status: Yes
    • Nature of employment: Salaried
    • Income range for home loans: More than Rs 60,000
    38 days ago
    • Type of property: Independent house
    • Home loan amount: More than 50 lakhs
    • CIBIL defaulter status: CIBIL defaulter
    • Property status: Yes
    • Nature of employment: Salaried
    • Income range for home loans: More than Rs 60,000
    75 days ago
    • Type of property: Home construction
    • Home loan amount: 11 - 15 lakhs
    • CIBIL defaulter status: Not sure
    • Property status: Yes
    • Nature of employment: Salaried
    • Income range for home loans: Less than Rs 20,000
    93 days ago
    • Bank wise 2017 & 2018 Interest rate, processing fee, loan amount, and tenure range

      Bank Name

      Interest Rate
      (Floating)

      processing fee
      (One Time Fee)

      loan amount

      tenure range

      HDFC LTD

      8.35 - 8.55%

      0.50%

      5L - 10Crs

      1-30 Yrs.

      ICICI Bank

      8.35 - 8.80%

      0.50%

      5L - 10Crs

      3-30 Yrs.

      SBI Home Loan

      8.30 - 8.60%

      Rs.2-10K

      -

      1-30 Yrs.

      PNB Housing

      8.50 - 10.25%

      0.50%

      Min 5L

      1-30 Yrs.

      Axis Bank

      8.35 - 11.75%

      0.50%

      5L - 10Crs

      1-30 Yrs.

      LIC Housing

      -

      -

      Min 1L

      5-30 Yrs.

      Bank of Baroda

      8.30 - 9.35%

      Rs.7.5-20K

      1L - 2Crs

      1-30 Yrs.

      IDBI Home Loan

      8.35 - 8.60%

      -

      5L - 10Crs

      1-30 Yrs.

      DHFL Home Loan

      9.00 - 9.35%

      Rs.5-20K

      1L - 10Crs

      1-30 Yrs.

      Union Bank

      8.60%

      0.50%

      1L - 2Crs

      1-30 Yrs.

      Vijaya Bank

      8.90%

      0.50%

      Min 1L

      1-30 Yrs.

      Indian Bank

      8.60 – 9.05%

      -

      5L - 10Crs

      1-30 Yrs.

      *As per rules, the applicability of GST for home loans will be at a consistent rate of a minimum of 18%.

      Home Loan Eligibility:

      There are also some other factors that will determine your housing loan eligibility (Your age, financial position, credit history, credit score, other financial liabilities etc.).

      • Age (21–65 years)
      • Educational qualifications
      • Job stability and income bracket
      • Credit score and repayment capacity
      • Liability of other loans, such as personal loan, credit card etc.
      • Assets such as property, jewellery etc.

      Types of Home loan

      Plot & Construction Composite Loan

      Plots and construction composite loans are applicable if you have identified a land plot and decided to construct on it. This loan generally ranges over a time period of 1 to 20 years. However, the tenure does not extend after the age of retirement.

      Loans for Purchase of Land

      Loans for purchase of land can be availed on plots that are directly allocated or on purchase of resale plots. It also includes transferring the outstanding loan you have in another bank/financial institution. You can spread out your payments to a maximum of 15 years and your payments are based on your personal profile, the age of the plot and other such factors.

      Loans for Home Purchase

      Loans for home purchase generally involve down payments and closing costs. It may be extended upto a period of 30 years. The down payment generally ranges from 3 to 20 percent of the house value. To avail a home loan, you may need a credit score of 580 or higher.

      Loans for Construction of a House

      Loans for construction of home generally range from a period of 1 to 20 years. However, in specific cases, it may be extended to 30 years. Loans for construction of a house are applicable for construction on a free hold/lease plot or a plot allotted by the suitable development authority.

      House Expansion or Extension Loans

      House Extension or expansion loans are applicable if you’re planning to extend the capacity of your current residence. All owners of the house should be co-applicants while applying for Home Extension Loans. Home extension loans can be paid over a tenure ranging from 1 to 20 years in the form of monthly installments.

      Home Conversion Loans

      Home Conversion Loans are applicable to those who have already obtained a home loan from another bank or financial institution and are looking to shift their loan for a lower rate of interest or alternate the interest spread over the years.

      Loans for Home Improvement

      If you’re looking for loans to apply for when you are modifying or making changes to your old home, then loans for home improvement is applicable to you. According to overall budget, 75-90 percent of the cost can be covered using a loan and may extend for a tenure between 1 and 20 years.

      Balance Transfer Home Loans

      Balance Transfer for Home Loans is advantageous and applies to people who have already obtained a home loan from a bank/financial institution and are looking to shift to another bank to either alter their tenure or reduce their rate of interest.

      NRI Home Loans

      NRI home loans are applicable to Indians living abroad when they wish to buy property in India. To qualify for this, they must adhere to certain eligibility criteria like having lived there for a minimum of 2 years and having worked there for a minimum of 6 months.

      Bridged Loans

      Bridge loans are short term loans which are obtained by clients who require immediate financing. Bridge loans are obtained by people for a temporary slack until they get their permanent financing. These bridge loans are backed by relatively higher interests and extend up to a term of a year at the most.

      Stamp Duty Loans

      Stamp duty is the fee that is levied on documents and instruments, which varies from state to state. All documents that pass through the state are subjected to stamp duty. Stamp duty is required to prove the validity of the documents in the respective state.

      Home Loans for Self Employed

      A majority of the working force are not professionals; hence nonprofessionals, small retailers, accounts, doctors, etc. fall under this category and are eligible for obtaining a loan for a tenure up to 30 years. Hence, the EMI amount to be paid is reduced. However, this loan does not extend for the period after retirement.

      Home Loans for Salaried

      Home Loans for Salaried employees extend from a period of 1 to 20 years. The minimum eligibility of obtaining a home loan starts from a monthly salary of INR 5000. Depending upon various factors like the maturity of the loan, salary, tenure of the loan, the home loan may be obtained.

      Fixed-rate loan

      Fixed rate loan allows the borrower to accurately estimate their tenure with no altercations whatsoever. Interest rates do not fluctuate and are not subjected to discounts, perse.

      Adjustable-rate mortgage

      An adjustable rate mortgage is one in which the interest paid by the borrower keeps varying periodically throughout the tenure of the loan. The interest changes are dependent on the resets and may vary monthly or annually.

      FHA loan

      The FHA loan is insured by the federal housing agency as a sort of fallback to insure the borrower in case he defaults on the loan. Since FHA insures this, they try to look into the monetary capabilities of the borrower and how much he can afford.

      VA loan

      The VA loan is guaranteed by the government for members of the Veteran Association. It enables military personnel to avail home loan without any down payment. The loan can be provided by any financial institution that is approved by the government to do so.

      USDA loan

      USDA is mortgage assistance program initiated by the US government for those who wish to buy property in rural or suburban areas. USDA is most advantageous as it offers mortgage with zero down payment options.

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      Buying a house is a lifetime desire for everyone, but due to increasing property prices the need to buy one becomes uncertain. The real estate market is witnessing a hike in the interest rate and thus people are taking a step behind in placing their inv...Read More

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