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HELP me choose please | Home Loan Noida - PNB OR LICHFL or Other?

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HELP me choose please | Home Loan Noida - PNB OR LICHFL or Other?

Last updated: May 28 2012
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  • HELP me choose please | Home Loan Noida - PNB OR LICHFL or Other?

    hi,

    I am planning to take a loan of 20 lakhs and i want to have an option to return the loan before the 20 years in sets of 3 0r 4 lakhs whenever i am able to accumulate.

    Which would be the best loan?

    This is my first loan, i was told to consider three things - Processing fee, Loan repayment and the % rate? IS there anything else?

    Also, can i go for a bank which is not the prefereed partner of the builder? (like SBI is not mentioned on their brochure, but can i go ahead and apply there too?)

    Which one should i go for?
    Drink Juice, avoid Pepsi!
  • #2

    #2

    Re : HELP me choose please | Home Loan Noida - PNB OR LICHFL or Other?

    ?
    Drink Juice, avoid Pepsi!

    Comment

    • #3

      #3

      Re : HELP me choose please | Home Loan Noida - PNB OR LICHFL or Other?

      Go for PNBHFL
      I will not refer LICHFL as they have unnecessarily many documents and may change % in their own discretionary manners, in future.
      Also, sometimes I feel unprofessional as well.

      Comment

      • #4

        #4

        Re : HELP me choose please | Home Loan Noida - PNB OR LICHFL or Other?

        but PNB has higher login fee as well as higher rate of interest 10.7% as opposed to 10.3 or 10.4% for LIC?
        Drink Juice, avoid Pepsi!

        Comment

        • #5

          #5

          Re : HELP me choose please | Home Loan Noida - PNB OR LICHFL or Other?

          also, i do not want any lock-in period!
          Drink Juice, avoid Pepsi!

          Comment

          • #6

            #6

            Re : HELP me choose please | Home Loan Noida - PNB OR LICHFL or Other?

            I didn't posted keeping in view of @fees.
            In General, PNBHFL is better.
            Ask LICHFL, when they will issue the cheque once they receive the demand letter. Ask PNBHFL as well, the same question.
            LICHFL have 3-4 documents to execute during approval. PNBHFL has 2.
            In long run, PNBHFL is much better.

            Comment

            • #7

              #7

              Re : HELP me choose please | Home Loan Noida - PNB OR LICHFL or Other?

              bhai documents zaaada maaangege, to mera hi faiiyda hai na! thode effort daal ke maang lunga, rate of interest to kam hai na sirji isme!
              Drink Juice, avoid Pepsi!

              Comment

              • #8

                #8

                Re : HELP me choose please | Home Loan Noida - PNB OR LICHFL or Other?

                ?
                Drink Juice, avoid Pepsi!

                Comment

                • #9

                  #9

                  Re : HELP me choose please | Home Loan Noida - PNB OR LICHFL or Other?

                  how about premature closure rate?

                  Comment

                  • #10

                    #10

                    Re : HELP me choose please | Home Loan Noida - PNB OR LICHFL or Other?

                    nil hai sirji... LIC mein
                    Drink Juice, avoid Pepsi!

                    Comment

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