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home loans Mr-carolyn | Loans and Credit Cards | 1 Reply

09
Jul
2013

I would like to inform HDFC Bank gives us the status they would like to help people by giving home loans for which they charge us good amount of interest, but the fact is after one month of applying and all the paper being complete no feedback with regards to the loan coming in where they have already charged the processing fees of rs 6000, and when asked to withdraw the loan request, bank agent threatens that they will charge the cancellation fees of 1500 , if they cant provide the loan they should say it and not harass us people because we have to pay interest to the builders due to your delay in the process. Excuse given is loan amount of 3lakhs is very small.

By IndianMoney Experts - 2013-Jul-09
Dear Carolyn, Please contact the toll free number of HDFC Bank at 1800-102-3333 In order to resolve your complaint. The common problems come faced by home loan borrowers is that banks require about 0.25% to 1% of the loan amount to be submitted as the processing fees. This processing fees is generally not refundable, many of the home loan applications do not pass even the first test. They are out rightly rejected due to incompatibility between the borrower\'s qualifications and lenders requirements. It could be the age criteria, income criteria, proper documents not being submitted, the bank not being able to verify your details properly, not passing the field investigations conducted by the bank and many more.The loan amount sanctioned is based mostly on repayment capacity of the borrower. Many things come into picture, when the bank decides how much home loan a person can get. The monthly income, financial history, other unpaid loans with the borrower, past repayment record, credit card usage history if any, bounced checks, average balance with the banks, continuity in present employment, total years in employment, nature of employment ,Whether to go for a fixed rate or floating rate interest for home loans is a dilemma which almost every home loan borrower faces. Even after deciding on a particular loan regime, the home loan terms and conditions and fine prints can create havoc with your interest rates.If you want to know more about home loans please contact IndianMoney.com which is India\'s only free on call money adviser
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