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Customer service was good, they provided door step service to collect the documents. There is no penalty on preclosure and part payment. I have taken a home loan with IDBI bank, it was a good loan experience.
The IDBI bank has offered me a home loan around 10 years ago. The customer support service and the response is good with the bank and they have disbursed the loan amount with in a month time. The rate of interest and the charges are average and I am satisfied with it. The processing fee applicable on these loans' ranges from Rs.2,500 to Rs.5,000 plus applicable taxes depending on the loan amount being availed. Simple documentation, quick processing and a full waiver of prepayment/foreclosure charges make IDBI Bank home loans. IDBI Bank offers housing loans to eligible borrowers at interest rates starting from 8.50% p.a.
IDBI Home Loan Interest Rates 2022
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This was one of the most helpful things to consider in the IDBI Bank home loan review. They also don’t bother you with unnecessary paperwork or documentation. IDBI bank charges a processing fees of 1% of the home loan amount you have applied for. IDBI Bank provides top up loan for existing customers and i always beleived that private bank will "behave good" with existing customers. I applied for Rs 13 lakh for loan for house extention. Loans are taken care by DST, which is the "ONLY" interface to customer, i tired reaching many times behind this layr to talk to some one from IDBI.
IDBI Home Loan
Accordingly based on the loan amount sanctioned, you may search the property. For final sanction, property identified for the purpose should meet our criteria. Customers purchasing an under construction property needs to pay only interest component to the extent of disbursement being availed by the customers based on level of construction and till the property is ready for possession.
The main motive of this facility is to pay the maximum amount when a borrower is still salaried and as a result the EMI decreases overtime. This paves way for happy retirement as the loan burden will ease by then. Recently I took home loan from IDBI, they gave me best interest rate around 8.5% for the tenure of 30 years.
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The process with IDBI in regards to my Home Loan was great. They gave me the loan pretty quickly and me a Rate of Interest of 9%. This experience has been pretty tight and provides you with good options for making the repayment through online options. The Idbi bank doesn't have the transparency in the home loan , I have got the home loan from the IDBI bank around 15 years ago. The customer support service is not up to the mark from the IDBI BANK and they are not giving proper response to the customers. I have taken home loan from IDBI bank the approved loan amount is 30 lakhs.
While documents submitted executive he given clear information about loan there is no delay disbursal loan amount. A home loan calculator is a handy computing tool available online. It assists individuals in estimating their monthly instalment based on the credit value, tenure and rate of interest. With an IDBI home loan EMI calculator, applicants can tweak these elemental values to arrive at a suitable EMI amount.
It has been a good process and I got the loan on time. Atm dispute & rs.100/-/day compensation 1 Dont worry, I have gone through similar instance and ultimately...home loan 1 i transferred some money to SBI account. Even I am applying, I want to urgently talk to u. When we contacted IDBI customer care to know about the same, they replied that the Homesurance is not mandatory also they suggest us to give a letter for cancel the policy after returning the original policy to IDBI.
The loan process was lengthy and they have taken much time also but there is no processing fee here so I would like to recommend to others. I have applied for the housing loan with the IDBI BANK the documentation process was quick and done on time. They have given the good loan amount the rate of interest was 8.7% which was a fixed. There was a processing fee, the duration for repaying is for 15 years. I have a home loan with IDBI BANK because the rate of interest is very good.
I have raised a complaint with customer care via email . Its been more than 2 month but no action has been taken. My only request is either refund my money or deliver my card to me at the earliest. The existing loan account holders with minimum 12 months and with clear repayment track record will be eligible for top up loan facility.
Anyway, I reply to the e-mail asking them to clarify that e-mail. Then the representative replies saying that my password will be dispatched to my mailing address. Start with IDBI BANK is good but END is worst.poor staff presence, passing time in personnel talks . Now I feel this is preplanned cheating with me becouse my self cleared all things before submit my papers.
Maximum age 65 Years at loan maturity or retirement age whichever is earlier. Presently the bank requesting us to pay the interest difference amount Rs.531/- for pre EMI interest for the month of April ’09 even we have given blank post dated cheque to IDBI. In the last incident the Bank deposited two posted EMI cheques in the same month i.e. in the month of March 2007 instead of one and as a result the second cheque bounced due to insufficient amount due to no fault of mine.
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