https://www.desidime.com/discussions/which-bank-is-good-for-a-housing-loan?page=1#post_8150639
SBI
Which bank is good for a Housing loan
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Hi All,
though this has been discussed several times, just wanted to make sure —
Looking for a home loan – which bank would be better ?
Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
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https://www.desidime.com/discussions/which-bank-is-good-for-a-housing-loan?page=1#post_8150671
Bob
https://www.desidime.com/discussions/which-bank-is-good-for-a-housing-loan?page=1#post_8150690
Everyone would have their own experience with different banks. Just go with what’s best in your zone , ask neighbours or friends about their experiences and the rate of interest offered.
https://www.desidime.com/discussions/which-bank-is-good-for-a-housing-loan?page=1#post_8150697
Sbi. Hdfc – if not sbi
https://www.desidime.com/discussions/which-bank-is-good-for-a-housing-loan?page=1#post_8151010
Is that depending on ur cibil?
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https://www.desidime.com/discussions/which-bank-is-good-for-a-housing-loan?page=1#post_8151084
Sbi
https://www.desidime.com/discussions/which-bank-is-good-for-a-housing-loan?page=1#post_8151235
If you want better service and high amount – HDFC
If you want low rates and want to utilise Overdraft – SBI
https://www.desidime.com/discussions/which-bank-is-good-for-a-housing-loan?page=1#post_8151843
can you explain what overdraft is ?
will SBI check legal part properly ? just want to make sure if its better than HDFC.
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https://www.desidime.com/discussions/which-bank-is-good-for-a-housing-loan?page=1#post_8151846
yes bank and kotak prvide the best rate of interest currently
https://www.desidime.com/discussions/which-bank-is-good-for-a-housing-loan?page=1#post_8155262
Spoke to SBI – this is what they said.
Normal SBI Homeloan
6.8% pc interest
no processing fee till 31st dec. ( if loan gets approved)
stamp fee – 1500
Legal – 3500
Valuation – 3000
Insurance – optional
i might not need topup – will have something as liquid money
is this normal or is there something to bargain.
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https://www.desidime.com/discussions/which-bank-is-good-for-a-housing-loan?page=1#post_8155337
Maxgain not possible?
In that case you will not get OD account
Other charges are ok
No scope for bargain with PSUs 
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https://www.desidime.com/discussions/which-bank-is-good-for-a-housing-loan?page=1#post_8155957
Ask LIC housing finance. They usually have the cheapest rates with processing fee waived off.
https://www.desidime.com/discussions/which-bank-is-good-for-a-housing-loan?page=1#post_8179862
Punjab National Bank(Not PNB Housin)- If you have credit score of 750+ and apply online.
No processing fees and it’s Repo rate dependent only.
https://www.desidime.com/discussions/which-bank-is-good-for-a-housing-loan?page=1#post_8182436
worst is HDFC.. After taken loan no one will help you through phone call and you should go branch only. Better avoid this. My personal experience.
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sure, will pm you with my questions.
i will have additional expenses.. so is SBI good for that?
Means 2 accounts are there
Any money in savings account will be considered against principal
And best part is that amout is 100% liquid
PM to get tips on how to utilize this feature to max