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Karur Vyasya Bank Home Loan vs HSBC Home Loan vs Grihum Housing Finance Home Loan vs Dhanlaxmi Bank Home Loan

Karur Vyasya Bank
HSBC
Grihum Housing Finance
Dhanlaxmi Bank

Introduction

Selecting a home loan requires careful consideration of various factors. We'll compare Karur Vyasya Bank, HSBC, Grihum Housing Finance, and Dhanlaxmi Bank, highlighting their interest rates, repayment options, and unique advantages. This comparison will help you determine which bank offers the best loan for your situation.

Basic InfoKarur Vyasya BankHSBCGrihum Housing FinanceDhanlaxmi Bank
 
 
 
 
 
Interest Rate
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8.45% - 11.40%
8.25%-11.00%
9.00% - 17.25%
8.60%-11.00%
Loan TenureMax 30 Years
Max 25 years
Max 30 years
Max 30 years
LTV80% - 90%
80% - 90%
80% - 90%
80% - 90%
Max Loan AmountUpto 5cr
Upto 60 crore
Upto 5cr
Upto 10 cr
EligibilityKarur Vyasya BankHSBCGrihum Housing FinanceDhanlaxmi Bank
 
 
 
 
 
AgeSalaried : 22 - 60 years
Self Employed : 22 - 60 years
Salaried/ Self Employed :21 - 70 years
Salaried/ Self Employed :21 - 65 years
Salaried : 21 years - 70 years
Self Employed : 21 years - 70 years
ProfessionSalaried/Self Employed
Salaried/Self Employed
Salaried/Self Employed
Salaried/Self Employed
IncomeMetro Cities : 20,000/Month & Above
Other Cities : 15,000/Month & Above
Salaried: INR 500,000 p.a
Self-employed: INR 750,000 p.a
Salaried: ₹ 20,000 & above
Self-employed: ₹ 3 Lakh & above
Metro Cities : 20,000/Month & Above
Other Cities : 15,000/Month & Above
NationalityResident Indian/ NRI
Resident Indian/ NRI
Resident Indian/ NRI
Resident Indian/ NRI
Fees & ChargesKarur Vyasya BankHSBCGrihum Housing FinanceDhanlaxmi Bank
 
 
 
 
 
Processing FeesUpto Rs. 7,500/- + GST
1% of the loan amount sanctioned or INR10,000, whichever is higher
0.50% of your sanctioned loan amount
1.00% of the loan amount
Other ChargesNo prepayment charges
No pre-payment or foreclosure charges apply to floating rate loans.
No foreclosure charges
Non‐refundable processing fees: Up to Rs. 20 Lakhs: Rs. 3500
Above Rs. 20 Lakhs: Rs. 5000
Properties supportedKarur Vyasya BankHSBCGrihum Housing FinanceDhanlaxmi Bank
 
 
 
 
 
Plot Purchase
Independent Building
Apartment
Resale Property
New Construction
Features & OfferingsKarur Vyasya BankHSBCGrihum Housing FinanceDhanlaxmi Bank
 
 
 
 
 
Home Loan
Plot Cum Construction Loan
Balance Transfer
Overdraft FacilityNO
NO
Top Up Facility
Other OfferingsHome Improvement Loan, Home Renovation Loan, Extension Loan
Loan Against property,NRI Home Loan
Home Extension Loan, Home Improvement Loan, Loan Against Property
Home Extension Loan, Home Improvement Loan

Bank Highlights

Karur Vyasya Bank Home Loan

  • Easy documentation
  • No prepayment charges
  • Fast Approval
  • Easy Takeover

HSBC Home Loan

  • Lower EMI Options
  • Transparent Terms and Conditions
  • Dedicated Customer Support
  • Fast Approval and Disbursement
  • Flexible Policies

Grihum Housing Finance Home Loan

  • Comprehensive Solutions for Every Dream House
  • Affordability at its Core
  • Financial Freedom, Simplified
  • Flexibility Tailored for You.
  • Easy top up loans in future.

Dhanlaxmi Bank Home Loan

  • Fast track approval process
  • Balance Transfer facility
  • Flexibility Tailored for You
  • Dedicated Customer Support

Disclaimer

The interest rates, maximum tenures, and other charges are subject to change, and it's advisable to check with our experts for the most current information.

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Home Loan Calculations

Karur Vyasya Bank vs HSBC vs Grihum Housing Finance vs Dhanlaxmi Bank Calculations

₹50,00,000
20 Years
Compare Home LoansKarur Vyasya BankHSBCGrihum Housing FinanceDhanlaxmi Bank
 
 
 
 
 
Loan Amount₹ 50,00,000₹ 50,00,000₹ 50,00,000₹ 50,00,000
Loan Tenure20 years20 years20 years20 years
Rate of Interest8.45% - 11.40%8.25%-11.00%9.00% - 17.25%8.60%-11.00%
Monthly EMI₹ 43,233 -
₹ 52,977
₹ 42,603 -
₹ NaN
₹ 44,986 -
₹ 74,292
₹ 43,708 -
₹ NaN
Calculator

Home Loan EMI Calculator

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Loan AmountInterest Amount
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Loan Amount
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Interest Amount
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Loan Amount

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Interest Amount

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Total Payable

₹ 0

Monthly EMI

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Your Amortization details(Yearly/Monthly)

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Feature Comparison

1

Rate of Interest

When selecting a home loan from Karur Vyasya Bank, HSBC, Grihum Housing Finance, or Dhanlaxmi Bank, the interest rate is a pivotal factor. Karur Vyasya Bank offers rates of 8.45% - 11.40%, potentially lowering your monthly repayments. HSBC provides rates of 8.25%-11.00%, which might result in significant savings over the loan's lifespan. Grihum Housing Finance presents rates of 9.00% - 17.25%, possibly offering the most favourable terms based on your financial objectives. Dhanlaxmi Bank offers rates of 8.60%-11.00%, which could be the most competitive for your needs.

2

Loan Tenure

The loan tenure influences the duration of your repayment period. Karur Vyasya Bank allows a maximum tenure of Max 30 Years, ideal for spreading out payments to reduce monthly expenses. HSBC offers a tenure of Max 25 years, suitable for those aiming to pay off their loan more quickly. Grihum Housing Finance provides a tenure up to Max 30 years, offering flexibility to match your repayment strategy. Dhanlaxmi Bank extends tenures up to Max 30 years, accommodating various financial plans.

3

Maximum Loan Amount

The maximum loan amount determines the value of the property you can purchase. Karur Vyasya Bank finances up to Upto 5cr, catering to high-end property investments. HSBC offers loans up to Upto 60 crore, fitting for mid-range properties. Grihum Housing Finance approves maximum loan amounts of Upto 5cr, accommodating a wide spectrum of real estate prices. Dhanlaxmi Bank provides loans up to Upto 10 cr, supporting diverse property values.

4

Processing Fees

Processing fees affect your initial loan costs. Karur Vyasya Bank charges Upto Rs. 7,500/- + GST, which should be factored into your upfront expenses. HSBC imposes 1% of the loan amount sanctioned or INR10,000, whichever is higher, impacting the overall cost of obtaining the loan. Grihum Housing Finance sets its fee at 0.50% of your sanctioned loan amount, while Dhanlaxmi Bank requires 1.00% of the loan amount. These fees should be included in your budget considerations.


Conclusion

To find the home loan that aligns with your financial plans, consider the key features of the offerings from Karur Vyasya Bank, HSBC, Grihum Housing Finance, and Dhanlaxmi Bank. Evaluate factors like interest rates, who qualifies, repayment periods, maximum loan limits, and any processing fees to make an informed decision.

Confused About Home Loans? We’re Here to HELP!

Get detailed answers to the most frequently asked questions, tailored for your peace of mind.

How to compare housing loans?

What is the EMI for a 20 lakh home loan?

What is the minimum cibil score for home loan?

How to increase CIBIL score fast?

Can I take 2 home loans?

How can I lower my interest rate on my home loan?

Which bank gives a 100% home loan in India?

What does Credit Dharma do?

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How to compare housing loans?
When comparing housing loans, evaluate interest rates, repayment terms, associated fees, and eligibility criteria to find the best fit for your financial situation.
What is the EMI for a 20 lakh home loan?
What is the minimum cibil score for home loan?
How to increase CIBIL score fast?
Can I take 2 home loans?
How can I lower my interest rate on my home loan?
Which bank gives a 100% home loan in India?
What does Credit Dharma do?
How does Credit Dharma get the best home loans for me?
Are the services offered by Credit Dharma free?

Other Karur Vyasya Bank Home Loan Comparison

  • Kotak Mahindra vs Karur Vyasya Bank

  • HDFC vs Karur Vyasya Bank

  • SBI vs Karur Vyasya Bank

  • Bajaj Finance vs Karur Vyasya Bank

Other HSBC Home Loan Comparison

  • Kotak Mahindra vs HSBC

  • HDFC vs HSBC

  • SBI vs HSBC

  • Bajaj Finance vs HSBC

Other Grihum Housing Finance Home Loan Comparison

  • Kotak Mahindra vs Grihum Housing Finance

  • HDFC vs Grihum Housing Finance

  • SBI vs Grihum Housing Finance

  • Bajaj Finance vs Grihum Housing Finance

Other Dhanlaxmi Bank Home Loan Comparison

  • Kotak Mahindra vs Dhanlaxmi Bank

  • HDFC vs Dhanlaxmi Bank

  • SBI vs Dhanlaxmi Bank

  • Bajaj Finance vs Dhanlaxmi Bank

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