CreditMantri Finserve Private Limited
Door No.3, Block B, No. 147, 2nd Floor, Workeasy Space Solutions, RK Swamy Centre, Hansa Building, Pathari Road,Thousand Lights, Chennai, Tamil Nadu600006
Have any queries? Click here for more details
All written queries will be responded within 1 working day.
We'd love to help you through every step along the way.
Is your Credit Score >750?
The list of all home loan customer care numbers of banks across India
IOB is engaged in a variety of banking operations which includes deposits, loans and advances, bancassurance, issuance of letter of credit or bank guarantee etc., Within their loans suite, they offer home loan, personal loan, education loan, loan against property etc., The home loans are customized to suit the needs of their clients. The interest rates are reasonable and competitive, further, the quantum of loan and tenor is such that the customer benefits by availing the loan from this bank.
For any queries related to home loans, the customers can call at the following toll-free number 1800 425 4445.
About Indian Overseas Bank Home Loan Customer Care
IOB has a comprehensive customer service department which is trained to tackle all types of customer queries. The customer care desk has access to centralized database system, hence, enabling them to retrieve data based on requirement. There are dedicated teams to handle queries based on specific product suites. The department not only handles queries, it also takes requests and feedback. The customer service desk is holistically built to ensure that the customer need not approach multiple departments for resolution of their query or issue.
The customer care team at IOB can be reached by multiple means, they have established a tech enabled system which allows for resolving problems and issues in a comprehensive manner. The various means by which the customer care team can be reached are mentioned below –
Telephone – IOB like most other banks runs a 24X7 toll free number 1800 425 4445. A customer care representative will provide information as requested by the customers. There are dedicated teams to cater to specific product suites and the customer may quote the category in which his query falls. The customer will be connected to the respective representative for timely and accurate resolution.
Email – Another alternate which is popular among customers is the usage of email for query resolution. This method offers documentation of the entire interaction with the customer care team. Further, the written communication can be referenced at a later date as required. Also, the resolution offered is more elaborate and holistic in nature. For all queries related to home loans, an Email can be written to mdd(at)iobnet(dot)co(dot)in.
Visit nearest branch – Alternatively, the customer can visit the nearest branch, every branch is equipped with a help desk team who will be able to assist the customer or will direct them to the right personnel who can inturn provide satisfactory resolution to the query or issue.
IOB has an established step-by-step process to resolve customer complaints and grievances. The same is stated below –
Home loans offered by IOB under Subha Gruha Home loan. The loans are extended on new purchase or construction of independent house / flat, purchase of ready-to-move-in flat / independent house, transfer of existing loan to IOB, renovation or extension or repair of existing house or flat.
The applicant for the home loan can be groups of individuals, members of co-operative societies, individuals not more than 55 years of age. On a case to case basis, applicants in the age of 60 years may be considered provided their co-applicant is a legal heir to their property. Loan tenor cannot exceed 70 years of the applicant, the loan has to be settled in full before the applicant attains 70 years of age.
There is a need to provide income proof for both salaried individuals, self-employed professionals and other category of applicants. Salaried individuals should have a permanent job with minimum 2 or 3 years of service, for self-employed professionals, there is a need to show an established source of income for minimum period of 3 years.
The quantum of loan extended by IOB can be anywhere between 75% to 90% cost of the independent house / flat. This would exclude registration and documentation charges. The amount depends on the age and repayment capacity. Up to 30% of loan amount is extended in case the borrower intends to purchase a plot.
The maximum tenor allowed on home loans is 30 years. There are no prepayment charges applicable on partial or full closure of loan. IOB home loans offer a maximum holiday period of 18 months from the date of first disbursement or completion of construction of project (whichever is earlier). In case of purchase of ready-to-move-in house, the holiday period is 3 months.
The bank will claim first mortgage on the property to be constructed, bought or renovated. In case of purchase of land, the land should be registered in the applicant’s name, any co-applicant should be co-obligant. The applicant or borrower should have clear and marketable title to the property, there should be adequate insurance on the property. Additional security in the form of NSC, LIC, Units of UTI will be accepted by the bank.
Call Experience,Usefulness of information,Credit Report Analysis,Website/app interface,
Get loans starting from 11.25% interest rate
Know how to improve credit score
FREE credit analysis for 1 year
Andhra Bank Home Loan Customer Care
Axis Bank Home Loan Customer Care
Bandhan Bank Home Loan Customer Care
Bank Of Baroda Home Loan Customer Care
Bank Of India Home Loan Customer Care
Bank Of Maharashtra Home Loan Customer Care
Canara Bank Home Loan Customer Care
Central Bank Of India Home Loan Customer Care
Citibank Home Loan Customer Care
City Union Bank Home Loan Customer Care
Corporation Bank Home Loan Customer Care
DCB Bank Home Loan Customer Care
Deutsche Bank Home Loan Customer Care
Dhanlaxmi Bank Home Loan Customer Care
Federal Bank Home Loan Customer Care
HDFC Bank Home Loan Customer Care
ICICI Bank Home Loan Customer Care
IDBI Bank Home Loan Customer Care
Indian Bank Home Loan Customer Care
Indusind Bank Home Loan Customer Care
Jammu Kashmir Bank Home Loan Customer Care
Karnataka Bank Home Loan Customer Care
Karur Vysya Bank Home Loan Customer Care
Kotak Mahindra Bank Home Loan Customer Care
Lakshmi Vilas Bank Home Loan Customer Care
Oriental Bank Of Commerce Home Loan Customer Care
Punjab National Bank Home Loan Customer Care
Punjab Sind Bank Home Loan Customer Care
RBL Bank Home Loan Customer Care
SBI Home Loan Customer Care
South Indian Bank Home Loan Customer Care
SVC Bank Home Loan Customer Care
Syndicate Bank Home Loan Customer Care
Tamilnad Mercantile Bank Home Loan Customer Care
UCO Bank Home Loan Customer Care
Union Bank Of India Home Loan Customer Care
Vijaya Bank Home Loan Customer Care
YES Bank Home Loan Customer Care
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf.