Home loan charges

Hi all, Has anyone of you recently taken a home loan from PNB with the Max saver facility? Is it useful? Or loan from any other bank then please give your inputs. Thanks much

I’ll go: 9.15% 🥲

Should i buy a 3 bhk in Bangalore which is of 1.5cr or 2cr, and pay the Emi for next 10-20 years. Or i should consider some other alternatives.

Asking from people who consider that one should strive towards owning a house (or an even stronger stance that not owning a house is not an option for them). Really want to understand their POV. Why are you comfortable taking 15-20 year loans for the dream of owning a house?

I recently came across one of the videos on YouTube that talked about Loans against mutual funds.- https://www.youtube.com/watch?v=lK7KuMzRm8U&t=3s Overall this product looks very convincing & it is so true that people sell their mutual funds when they require funds to make a downpayment on a House/Car. The ROI is so low & this is an Overdraft, so no foreclosure fees for this loan & the best part? The process is super smooth of few platforms like Volt Money. I am convinced that it's a good product & want to avail for some personal reason. Want to check if anyone has used this & they are also positive about loans against mutual funds?

Hey all! Quick question – who here has a housing loan and what are your interest rates? I got mine during COVID at a decent 7.4%, but now it's up to 10.52%. 😵 That's quite a hike, especially when I look at what other banks are offering. I'm thinking about switching. Anyone else gone through this or have any advice? PS: I did ask my bank to cut me some slack, and they dropped it from 11.10% to 10.42% once. But now, it's crept back up to 10.52%. Would love to hear your thoughts or if you've dealt with something similar!

Hi I have booked a newly launched property from a grade A builder. I am planning to take a home loan of around 1 CR for the same, the builder from whom I am buying the property is strongly advising to apply through their contact person (who is a Direct sourcing agent) who has tie ups with multiple banks like hdfc , SBI, axis etc. The builder is saying that the person will help get the loan amount disbursed on time and help with documentation better. That person is recommending SBI. I also connected with a hdfc home loan department person and he is suggesting I should go through him. Can someone please suggest whom I should go ahead with? Also which bank is better and why? Also the expected interest rates and other charges? My cibil score is around 755. I am the first time buyer and hence unknown in this area Any help will be much appreciated