Which is the best bank for a home loan in India?
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Need a home loan of Rs.30 lakhs.
I have filed ITR for the last 3 yrs and have an income of Rs.8 lakhs per year.
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Sorry it's a writing mistake, yearly 8 lakh earning around
With income of 8LPM why u want home loan of just 30L . if u save for 4months u can buy with upfront payment.Â
It's 8 lakh per year sorry 🤣
Have not taken loan
While researching previously
Somewhat BOB was having good features
Now RBI has given some circular preclosure no charges please check
Even if documentation or process prefer good bank with low interest rate and check before you proceed
Go for BoB
SBI is mess
don't share your obile/PAN else they will make enquiry immediately without informing or taking consent, all banks cheat u by doing inquiry b'cos you are now discouraged from approaching another bank as that will cost another CIBIL hit and CIBIL is already down.
Dont go for sbi unless you want max gain with overdraft.
Check PVT banks like hdfc and others, specially the ones providing pre approved offers for your builder. Pay attention to processing and other charges along with interest rates. Take a quote from 2 or banks banks and see what a they charge. Do note taking an insurance for you loan is not mandatory. If a bank forces you to do so, tell them that you will go with the other one.Â
You can bargain for the interest rate quoting what the other is offering. Drive a hard bargain.Â
why you dont use 8 lakh per month income instead