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BHW Birla Home Loan

BHW Birla Home Loan

 

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Member's Recomendation

2   10

10 review(s)
Expert Review | Write a Review

  • Interest Rate
  • 9.75%
  • Pre payment charges
  • 2%
  • Balance Transfer Charges
    (incase of refinance)
  • 2%
     
  • Part-payment Charges
  • Nil
  • Switching Charges
    (Fixed to Floating or vice-a-versa)
  • 1% - on principal outstanding
     
  • Loan to Value ratio
  • 85
  • Speed of Sanction
  • 7 working days
  • Ease of documentation
  • Pre- Approved projects only. Less Documentation
  • Customer Service
  • Good
  • Franking Charges
  • 0.2%

Features and Benefits of BHW Birla Home Loan

  • Loan Amount: Maximum loan amount would be Rs.250 lakhs subject to IIR/FOIR grid AND LTV/LCR as per prevailing policy.
  • Tenure: 20 years for both Resident and Non Resident Indian.
  • Interest Rate: Floating rate with variable tenure will be offered.
  • Repayments: Uniform EMI and FLIP (Flexible Loan Instalment Payment) will be available.
  • Repayment mode: ECS (Electronic Clearing Service) is preferred
  • Pre payment charges: As applicable from time to time.
  • Loan rates
     
    Loan Amount Entity ROI
    Upto 25 Lacs Salaried/ 9.5
    SEP
    SENP 10.25
    Above 25 Lacs and upto Rs. 75 Lacs Salaried/ 9.75
    SEP
    SENP 10.5
    Loan greater than Rs. 75 Lacs Salaried/ 10.25
    SEP
    SENP 10.75
    SENP 10.75

Documents Required for BHW Birla Home Loan

Salaried Individual
  • Application form with recent photograph
  • Salary slip of last 3 months
  • Latest Form 16
  • Bank statement for last 6 months
  • Processing fee check
  • Proof of identity (any one): Passport Driving licence/photo credit card/Employee licence/Voter's ID/PAN card
  • Proof of Residence (any one): Driving licence/Any utility bill/Govt. or authority bill
  • Proof of age (any one) : Passport/Voter's ID/PAN card/' Birth certificate/life insurance policy or premium receipt Signature verification proof
  • Repayment track record of existing loans/Loan closure letter
 Self Employed
  • Application form with recent photograph
  • Bank statement for last 6 months
  • Processing fee check
  • Proof of age (any one) : Passport/Voter's ID/PAN card/'Birth certificate/life insurance policy or premium receipt
  • Proof of identity (any one): Passport Driving licence/photo credit card/Employee licence/Voter's ID/PAN card
  • Proof of Residence (any one): Driving licence/Any utility bill/Govt. or authority bill
  • P&L and balance Sheet for last 2 years certified/audited by CA
  • Qualification proof of the highest professional degree
  • Proof of existence
  • Income Tax return/Computation of total income/Auditor's Report Balance sheet/Profit and loss account for last 2 years certified by CA
  • Repayment track record of existing loans/Loan closure letter
  • Proof of office address
  • Board Resolution in case of company

Expert Review of BHW Birla Home Loan

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User Reviews

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BHW Birla-Deutche bank worst bank

By: Chintan, Mumbai | 27 October 2009

They truely are the WORST bank on earth to lend from. Bunch of liars and cheaters. I took a loan for 4000000 for 20 year tenure at 8.75% in 2005, with initial emi of 26xxx. Since the day I took loan f...[Read]

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BHW Birla is a strict no

By: Ratan, Ghaziabad | 25 October 2009

Dear all, Don’t take any loan from BHW. They really suck customer. They don’t have any system in place. You can’t figure out, how they are increasing rate of interest. Me and my friend has taken...[Read]

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their interest rate is increasing like a rocket , the moment RBI says increase the rate

By: kantha_rose, Mumbai | 03 January 2010

this is the worst of the worst available for you to make a decision . They never care about anything . All they want is only your money .Beware !!!! I had a very very very bad experience with then , i...[Read]

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No explanation given for the action contrary to a written statement and no response to numerous quer

By: ravegrover, Mumbai | 01 January 2010

Loan file no - CPL / HOUSIN / IN / 010131 As per the sanction letter the rate of interest will remain fixed at 9.99% for the first six months even if there is a change in RBLR. There is NO condition a...[Read]

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the processing fee cheque was deposited on the same day of me filling the form without even informin

By: friend1372, Ahmedabad | 31 December 2009

I applied for a home loan take over from ICICI Bank to BHW Birla Home Finance. The executive showed rosy picture about the interest rate and assured for 10.25% based on my CREDIL rating and no default...[Read]

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My fear about banks are til now true..and all bank people have thick skin

By: singhsat, Ahmedabad | 15 December 2009

I’ve applied a loan take over from ABN AMRO to BHF (BHW Birla Home Finance) because I was pissed up with ABN AMRO bank with their attitude and their rate of interest. When I was interacted with...[Read]

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Can they increase premium and tenure both at the same time? Please let me know

By: sujit, Kolkata | 20 December 2009

Sir, I got a loan of 32 lakhs(240 EMIs) from BHW-Birla home finance when the rate was 9.5% last year . In 2007 Mar/April they increased the rate to 11.5% and applied to my existing EMI. Now at the sam...[Read]

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I have taken loan from such institute which is not customer friendly, doesn\\\'t have proper process

By: vikal k soni, Mumbai | 03 April 2010

Hi, I have taken loan from (BHW)Birla home finance on floating interest rate, I\\\'ll repent for whole of my life on why I have taken loan from such institute which is not customer friendly, doesn\\\'...[Read]

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interest charges raise comes in early morning which is very cruel &unpleasant act on part of bank..

By: nita mittal, Mumbai | 25 December 2009

I have also taken loan from BHW Birla Home fiance Ltd @ 7.75@ interest rate. My loan account is NOD/001475. But at present they are charging 13% interest rate In the last couple of months, RBI has tak...[Read]

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They will never reply to your query If you enquire on interest rate increase

By: shyam behari shaw, Kolkata | 24 December 2009

1. have taken loan from (BHW)Birla home finance on floating interest rate, I\\\\\\\'ll repent for whole of my life on why I have taken loan from such institute which is not customer friendly, doesn\\\...[Read]

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