Hi
Can anyone tell me what is the best bank for home loan. My salary bank is icici which was taking 9.20% which is high. Do you know which would be better

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Sbi is good for home loan or any govt bank which is providing loan at cheaper rate, its good to take debt(loan from) govt banks instead of private bank/nbfc.

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IS SBI provide home loans in rural areas I mean vilages?

Go with central bank, they are giving home loan with roi 8%

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Always prefer PSUs; my personal favourite is SBI. They increase as well decrease interest rate as per repo rate while private banks increases interest rate but don’t decrease when repo rate goes down and you will have to chase them to update interest rate.

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SBI

Remove AXIS from your list.
Then decide.
SBI n BOB are best for rates n processes.
HDFC is best for service.
ICIC is best for digital data n services

Its getting revised due to repo now days. Canara Bank now charging 8.8 % , which may also increase due to repo

It depends on cibil score mine is 8.5 from ICICI that too from effective Jan23

Sbi 8.7 roi increased due to repo rate

The rate of interest is based on your credit score. In case of SBI, they will promise you to low interest rate but once sanctioned the interest rate will be higher. This happened to me when I took joint home loan with my father where my father didn't have credit score and later they report late payments on my EMIs though I payed them on right time. The bank people don't care correcting the credit score instead they blame CIBIL. This blame game goes on. Do your initial analysis with interest rate in SBI and you can decide. There will be processing fees in case home loan transfer, you need to take term insurance on you and building insurance and many formalities. In my case SBI is charging my 9.5% interest whereas ICICI offering me 8.3% interest

Took care loan from SBI, they defaulted payment on their end and due to this my cibil got reduced. Now home loan is from HDFC, no problem till now, for interest rate reduction in case repo rate reduction, just call customer care and everything will be done online.

Before starting ECS, they asked for 6 months cheque and they forgot to deduct money from my account for one month. I called them and reminded that my this month emi is not deducted. How irresponsible of them.

SBI, not only it gives you best rates also these days you can get your things done on email and WhatsApp( mostly on city branches) saying from own exp two homeloans and one car loan

Sbi sbi sbi.... I have home loan from.them at 8.9. no hidden cost. Though my salary account in icici

Is it provide home loan in vilages?

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