S
Sameer Khan
posted on 13 MayICICI Bank home loan experience kaisa raha?
ICICI Bank se home loan lene ka experience kaisa raha Gurgaon mein? I'm looking at a 2BHK in DLF Phase 1. Builder Gee Aar Realmart hai. Best rates aur smooth process kaunsa bank deta hai for first timers?
#home-loan#gurgaon#first-time-buyer#icici-bank#dlf-phase-1
Comments
Dekho,
Haan, rates ka hi toh main concern hai. First-timer ke liye koi special scheme hoti hai kya? Aur processing fees kitni lagti hai usually?
Process fees 0.5% tak hoti hai usually, but negotiate kar sakte ho. Maine 0.25% pe karaya tha HDFC se. ICICI ka bhi same range mein hota hai, but depends on your relationship with the bank.
U4, special scheme toh nahi, but CIBIL score achha ho toh rates definitely better milte hain. Abhi ICICI 8.5-8.8% ke aas paas de raha hai, depending on your profile. Aapka CIBIL score kitna hai?
ICICI ka process smooth hai. Mera friend ne recent liya hai, koi issue nahi aaya. Rates bhi competitive the.
Bhai, Gee Aar Realmart ka naam sunke hi darr lagta hai. Unka track record thoda shady hai. DLF Phase 1 mein aur bhi options dekh lo. Loan toh mil jaayega, but builder ka issue na ho.
Exactly! Gee Aar ka reputation achha nahi hai. DLF Phase 1 mein location achhi hai, but builder pe research zaroor karna.
Sahi kaha U2. Mere ek cousin ne Gee Aar ka project book kiya tha Baharampur Naya mein, 2021 mein possession due tha, abhi tak nahi mila. Sirf dates extend karte rehte hain. Loan EMI shuru ho gayi hai aur rent bhi de rahe hain. Double burden. Bohut dikkat ho rahi hai unko.
ICICI Bank home loan experience kaisa raha Gurgaon mein? I'm looking at a 2BHK in DLF Phase 1. Builder Gee Aar Realmart hai. Best rates aur smooth process kaunsa bank deta hai for first timers?