GAUTAM from India said :

just informing u all that for home loans go for any bank but not for ING Vysya. It is rubbish with high interest rates without caring customers. I had taken a home loan from ING Vysya bank for Down payment plant 2 year ago. My flat is ready for possesion now in next month but they have disburse the 60% of sanction amount and keep increasing their intrest rate. I am keep paying the EMI for whole sanction amount. As per their one of clause(hidden in Agg.letter), I can't close/Transfer the loan without final disburshment. so they intentionaly not disburshing the full sanction amount.When I asked about the reason, they told me that as per their aggrement between Bank & Builders. i don't know what type of dealing they have make with builder. it is a worst bank for loans i have experience. ING Vysya bank increase the interest rate soon but never do they reduce the interest rates. I went their branch office several time for my queries/justification, but no one will ready to even intract you. They are over smart on increasing the Interest rate; but when others reducing their rate, they will not do anything for existing customer. As they know that they have already trapped, if any customer want to BT/foreclosure, they will direct you to so many clause hidden in the Loan aggrement and imposed charges(only maintained and changed frequently by them to keep trap the customerand suited them). They are very rude in behaviour too. and customer care is pathetic.