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Bangalore
Bangalore
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SparklyBanana
SparklyBanana
Stealth

Getting a Homeloan is a pain in the ass

If anyone has had a smooth homeloan experience, do let me know. Also if not, which bank/who did you have for a smooth experience. Buying a property over 1Cr, have a 40lpa yearly income, with savings and matured SIPs over the last 15 years.

4mo ago
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JumpyHamster
JumpyHamster
Stealth4mo

Navi has food flow. Got it at very competitive rate and no paperwork. All digital in app and they came to house for verification.

All done in 1-2 hr max.

SparklyBanana
SparklyBanana
Stealth4mo

Didn't know navi does homloans

JumpyHamster
JumpyHamster
Stealth4mo

The terms of the agreement are better than hdfc and sbi too.

GigglyNoodle
GigglyNoodle
Philips4mo

I had very smooth experience with SBI. May be change the branch and try.

SparklyNoodle
SparklyNoodle
Freelancer4mo

What trouble you are having, this should be a cakewalk for you

SparklyBanana
SparklyBanana
Stealth4mo

Delays, asking for docs that weren't mentioned before

SparklyNoodle
SparklyNoodle
Freelancer4mo

Try with private bank, HDFC or ICICI, for PSB try from a loan agency nearby

ZoomyPancake
ZoomyPancake
Stealth3mo

SBI RRnagar. Seamless.

HSBC MG road. Some hiccups, not unmanageable.

FuzzyUnicorn
FuzzyUnicorn
Stealth4mo

Are you buying an apartment? If yes, they usually have a tie-up with banks, right? Makes it easier as they have the legal approvals and property related stuff already.

Mine was with SBI. While it was seamless, it took its own time to get approved and granted. But, now I see others getting fairly quick from HDFC with minimal checks and I keep wondering are they even doing due diligence!

JazzyKoala
JazzyKoala
Ericsson4mo

SBI anyday, but go to right branch

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