Benefits of Applying Online

When Banks Compete, you win.

Apply for a Home Loan at ApnaPaisa and we will match your requirements with the best offers from our network of over 400 service providers. We will get a maximum of five providers to compete for your business. WHEN BANKS COMPETE YOU WIN. You can then decide which home loan is best for you based on:

Lowest Interest Rate
Lowest EMI
No Pre-payment charges
Lowest Processing Fees
Maximum Eligible Loan Amount
Mandatory Documents Required
Lowest Processing Fees

Or any other factor that is important to you.

Negotiating Tips

1) If you have a good credit record and your income is sufficient to justify the loan you can negotiate on interest rates. You can also try and get Processing fees or legal or valuation fees reduced or completely waived.

2) If you go for a floating rate loan then pre-payment charges are not payable.

3) When interest rates are high and are expected to go down you should go in for a floating rate loan as it makes no sense to lock into high fixed rates or the so called Dual rate loans where rates remain fixed for a couple of years before shifting to regular floating rate loans. Please review this decision at least once every 6 months

4) Take term insurance and critical illness and accidental disability policy for the full loan amount to make sure you or your loved ones don't have to worry about loan repayment should you die or are disabled due to a critical illness or accident. You cannot be forced to buy this policy from the insurance company chosen by the lender - you should choose your own insurer.

Banking Ombudsman centers you can contact

Banking Ombudsman

Basha Shaikh

20 May 2008

The Banking Ombudsman, promoted by Reserve Bank of India (RBI) provides speedy solutions to the grievances faced by the customers from various banks. It addresses grievances by way of its legal framework and redressal is done accordingly. It is set up specifically for handling grievances related to banking services and related matters under its purview.

You can contact Banking Ombudsman at these centres:

Centre	Contact details of the Office of Banking Ombudsman	Area of Operation
Ahmedabad	Shri Arnab Roy C/o Reserve Bank of India La Gajjar Chambers, Ashram Road, Ahmedabad-380 009 Tel.No.079- 26582357, 079-26586718 Fax No.079-26583325 email: bogujarat@rbi.org.in	Gujarat, Union Territories of Dadra and Nagar Haveli, Daman and Diu
Bangalore	Shri. K.R.Ananda C/o Reserve Bank of India 10/3/8, Nrupathunga Road Bangalore-560 001 Tel.No.080-22210771, 080-22275629 Fax No.080-22244047 email: bobangalore@rbi.org.in	Karnataka
Bhopal	Shri B.P.Kanungo C/o Reserve Bank of India Hoshangabad Road, Post Box No.32, Bhopal-462 011 Tel.No.0755-2573772, 0755-2573776 Fax No.0755-2573779 email: bobhopal@rbi.org.in	Madhya Pradesh and Chattisgarh
Bhubaneswar	Shri P.K.Jena C/o Reserve Bank of India Pt. Jawaharlal Nehru Marg Bhubaneswar-751 001 Tel.No.0674-2396207, 0674-2396008 Fax No.0674-2393906 email: bobhubaneswar@rbi.org.in	Orissa
Chandigarh	Smt. Balbir Kaur C/o Reserve Bank of India New Office Building Sector-17, Central Vista Chandigarh-160 017 Tel.No.0172-2721109, 0172-2721011 Fax No.0172-2721880 email: bochandigarh@rbi.org.in	Himachal Pradesh, Punjab and Union Territory of Chandigarh
Chennai	Smt Harmesh Khanna C/o Reserve Bank of India, Fort Glacis, Chennai 600 001 Tel No.044-25399170, 044-25395964 Fax No.044-25395488 email: bochennai@rbi.org.in	Tamil Nadu, Union Territories of Pondicherry and Andaman and Nicobar Islands
Guwahati	Shri K.R.Das C/o Reserve Bank of India Station Road, Pan Bazar Guwahati-781 001 Tel.No.0361-2542556, 0361-2540445 Fax No.0361-2540445 email: boguwahati@rbi.org.in	Assam, Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland and Tripura
Hyderabad	Shri.M.Sebastian C/o Reserve Bank of India 6-1-56, Secretariat Road Saifabad, Hyderabad-500 004 Tel.No.040-23210013, 040-23243970 Fax No.040-23210014 email: bohyderabad@rbi.org.in	Andhra Pradesh
Jaipur	Shri P Vijaykumar C/o Reserve Bank of India, Ram Bagh Circle, Tonk Road, Post Box No.12, Jaipur-302 004 Tel.No.0141-2570357/0141-2570392 Fax No.0141-2562220 email: bojaipur@rbi.org.in	Rajasthan
Kanpur	Shri B.K.Bhoi C/o Reserve Bank of India M.G. Road, Post Box No.82 Kanpur-208 001 Tel.No.0512-2361191/0512-2310593 Fax No.0512-2362553 email: bokanpur@rbi.org.in	Uttar Pradesh (excluding District of Ghaziabad) and Uttaranchal
Kolkata	Shri C.V.George C/o Reserve Bank of India 15, Nethaji Subhas Road Kolkata-700 001 Tel.No.033-22306222/033-22305580 Fax No.033-22305899 email: bokolkata@rbi.org.in	West Bengal and Sikkim
Mumbai	Smt. Surekha Marandi C/o Reserve Bank of India Garment House, Ground Floor, Dr. Annie Besant Road, Worli, Mumbai-400 018 Tel.No.022-24924607/022-24960893 Fax No.022-24960912 email: bomumbai@rbi.org.in	Maharashtra and Goa
New Delhi	Shri H Kulshreshtha Banking Ombudsman Reserve Bank of India Building 2nd Floor, 6, Sansad Marg New Delhi - 110001 Tel No. 011-23725219/23710882/23725445 Fax No. 011-23725218 email: bonewdelhi@rbi.org.in	Delhi, Haryana, Jammu and Kashmir and Ghaziabad district of Uttar Pradesh
Patna	C/o Reserve Bank of India, South Gandhi Maidan, Patna-800 001 Tel.No.0612-2322569/2323734 Fax No.0612-2320407 email: bopatna@rbi.org.in	Bihar and Jharkhand
Trivandrum	Smt. Suma Varma C/o Reserve Bank of India Bakery Junction Thiruvananthapuram-695 033 Tel.No.0471-2332723/0471-2329676 Fax No.0471-2321625 email: bothiruvananthapuram@rbi.org.in	Kerala and Union Territory of Lakshadwee

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ApnaPaisa does not sell any insurance or loan products - we simply help registered users on our site connect to providers of such products and services so that their requirements can be processed quickly.