In my experience SBI home loan reviews are quite positive. In my opinion they have the lowest interest rates and they offer many offers and discounts from time to time. I agree the process for loan approval can take some time but it is worth the wait. They basically conduct a through check and the loan officer personally goes through each document for every check that could be there. They ask for hard copies of documents so if you think things can happen digitally then please revisit your decision. I didn’t have a problem with that. I recommend you to understand the terms and conditions thoroughly because I see people don’t do that and then blame banks for deducting money.
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In my home loan SBI review, I will talk about interest rates. I am sure by Mr. Cyrus’s comment you are aware of the documentation process but before moving forward you should know about interest rates too. At the moment, these are the interest rates:
Upto Rs. 30 lacs |
> =750 |
6.70% |
<750 |
Card Rate |
|
Above 30 lacs |
>=750 |
6.70% |
>=700 ~ 749 |
6.80% |
|
New to Credit (-1) |
6.90% |
|
Minimum Floor Rate – 6.70 |
But these are concessional rates till 31st March 2022. This should be helpful.
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- Employer Identity Card
- Signed Loan Application with 3 passport size photographs
- ID proof: PAN/ Passport/ Driver’s License/ Voter ID card
- Residence proof : Recent copy of Telephone Bill/ Electricity Bill/Water Bill/ Piped Gas Bill or copy of Passport/ Driving License/ Aadhar Card
- Registered Agreement for Sale /Allotment Letter/Stamped Agreement for Sale
- Occupancy Certificate
- Maintenance Bill, Electricity Bill, Property Tax Receipt
- Approved Plan copy (Xerox Blueprint) & Registered Development Agreement of the builder, Conveyance Deed
- Payment Receipts or bank A/C statement showing all the payments made to Builder/Seller
- Last 6 months Bank Account Statements for all Bank Accounts held by the applicant/s
- If any previous loan from other Banks/Lenders, then Loan A/C statement for last 1 year
- Salary Slip or Salary Certificate of last 3 months
- Copy of Form 16 for last 2 years or copy of IT Returns for last 2 financial years, acknowledged by IT Dept.
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Intracity Shifting-Upto 25% Off
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City Tempo-Upto 50% Off
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Authors Of The Question
What are SBI home loan reviews?
unnati
1185 Views
3 Answers
2 Year
2022-03-21T10:20:38+00:00 2022-03-21T10:20:39+00:00Comment
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