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home loan Mr-Rajesh | Loans and Credit Cards | 1 Reply


I am an executive working with MNC. I had taken a home loan from HDFC in November 2005. The rate of interest applicable then was 7.5 %. I was told that this interest rate is special for my company and less than what other customers and banks were charging. Later on HDFC kept on revising based on RBI rate which is acceptable. But, the revision has now lead to a situation where the interest rate, which is 11.75%, from HDFC is 2 - 2.25 % above other banks public sector banks. When I checked with bank they told, they are not directly coming under RBI. Then why they responded to previous hikes from RBI?? Only they do not know, how to reduce. Very bad!!! So guys when ever you take any loans, take from good public sector banks. I now feel trapped with HDFC as they are charging very high rate as compared to market. There should be some action against them from RBI.

By IndianMoney Experts - 2013-Jul-12
Dear Mr. Rajesh, Please contact the toll free number of HDFC bank at 1800-102-3333.In order to rresolve your complaint. The common problems that come under home loan.s are Whether to go for a fixed rate or floating rate interest for home loans.This is a dilemma which almost every home loan borrower faces. Even after deciding on a particular loan regime, the home loan terms and condition fine prints can create havoc with your interest ratesb banks require the borrower to fund at least 10% to 20% (varying from bank to bank) of the entire loan amount as the down payment for the home loan. This amount has to be deposited before the disbursal of the home loan.If you want to know more about Home loans please contact which is India\'s only free on call money adviser.
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