Hidden Costs

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Interest Rates

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Eligibility Criteria

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Get Home Loan Offers
A maximum of 5 providers will compete to give you the best rates (May 2012)

 

 

Yes No    

 

Preferred Banks
  •  Any 5
  •  SBI
  •  ICICI BANK
  •  HDFC
  •  AXIS BANK
  •  BANK OF INDIA
  •  STAN CHART
  •  KOTAK BANK
  •  FIRST BLUE
  •  INDIABULLS
  •  HSBC
  •  CITIBANK

 

 

 

 

 

 

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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.


Process

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Tax Implications

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Did you know...?

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Decision-making Corner

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