Originally Posted by Shakensoul
(Post 913218)
Looks like you had a traumatic experience and after effects are still there, if possible could you elaborate a little more what went wrong and finally what went right, so that we fellow humans can be spared :D. |
Originally Posted by tsk1979
(Post 912915)
One advice I would like to give is that you try and take a "home saver" kind of loan. The deal is like this. You get a bank account where you park your surplus cash. Your interest is calculated based on Principal remaining - surplus cash in this account. So your EMI is much lower. At times when get salary I move it to my "home saver account" and save upto 10-15% in EMI. Of course this is a current account with no interest, but normally savings bank interest is pretty low, so I lose a little in interest, but same much more in EMI. |
Originally Posted by spadival
(Post 914635)
Slightly OT: mahadev - Can you provide some details for me. 1. How quickly did ICICI Bank return your property documents after settling the loan amount? I am in the process of foreclosing, but the home loan was done thru ICICI Chennai branch where as I am in Pune right now. 2. Do they let you personally collect the property documents from them or do they post/courier it ? if by post, any idea if they send it to present or permanent address? |
Originally Posted by mahadev_kc
(Post 915425)
ICICI returned me property documents within 21-days of closure of the loan. I personally went to collect the documents. Actually, they asked me to come personally to handover the documents. |
Originally Posted by NetfreakBombay
(Post 915578)
You mentioned that loan was transferred to SBI (From ICICI). Did ICICI hand over documents to you or to SBI? |
Originally Posted by NetfreakBombay
(Post 912922)
Yes usually things don't go to that extreme. Most of the times, builders will ask for more money (even if payments are delayed due to builder not meeting some time commitment in terms of slab completion). |
Originally Posted by NetfreakBombay
(Post 916068)
How did SBI disburse amount to ICICI without having documents with them? I am assuming ICICI would have given you documents only after getting money from SBI. |
Originally Posted by NetfreakBombay
(Post 916068)
How did SBI disburse amount to ICICI without having documents with them? I am assuming ICICI would have given you documents only after getting money from SBI. |
Originally Posted by mahadev_kc
(Post 943374)
Even if ICICI don't give the documents, the SBI would have behind me and guarntor to collect the money back. |
Originally Posted by kalpeshc
(Post 944398)
Also, are the interest rates same for SBI's MaxGain loans (as against other regular home loans offered by SBI) |
Originally Posted by black12rr
(Post 955408)
Does any of the bank ( in blore) give loan amount for purchase of plot(land) based on the agreement deed ? . Most of the banks give based on registration amount . Any ways(tricks or tips ) to get 100 % of loan amount for the land purchase ? , including registration ? So SBI's maxgain is best of the lot ? |
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