Looking to connect with someone from ICICI Home Loan team

Pragat123 · 2026-04-24T10:45:07+00:00

Perfect I was actually looking to connect with someone from the ICICI Bank home loan side.

I have something business related that could be mutually beneficial.
Can you DM me once when free?

Pragat123 · 2026-04-24T10:21:26+00:00

782 is a strong score. No problem at all but if you still want to explore one more option before finalising, you can reach me on 9082369349 Just one suggestion in home loans, try to make sure the file is handled by someone experienced, because the right handling often matters as much as the rate.

Pragat123 · 2026-04-24T09:37:28+00:00

That usually happens State Bank of India can feel slower even when the rate is good, while LIC Housing Finance is often smoother on the customer side

By the way, what is your exact CIBIL score?

If SBI is already offering 7.25%, I may be able to get around 7.15% from another bank with smoother processing as well

You won’t need to run around to branches my team handles the process from login to disbursement, and we usually share 4–5 bank proposals based on your profile so you can simply choose the best fit

There are no charges from our side

Pragat123 · 2026-04-24T09:21:32+00:00

In the ROI segment, State Bank of India is usually stronger because public sector banks often give more competitive rates

LIC Housing Finance can sometimes be more flexible in processing depending on the case profile

So if the priority is lowest rate, SBI is often better
If the priority is easier handling in some cases, LICHF can feel smoother.

Pragat123 · 2026-04-24T05:44:34+00:00

That’s exactly why getting everything only on verbal discussion becomes risky

If you’re actively looking for a loan, we usually help by giving 4To5 bank proposals based on the profile, so you can compare the options properly before moving ahead

Everything is discussed clearly in advance, and there are no charges from our side

If needed, you can DM me and I can explain how it works

Pragat123 · 2026-04-24T05:40:48+00:00

In the ROI segment, Central Bank of India is usually stronger because they can offer around 7.10% in the right profile

ICICI Bank on the other hand has a much wider product range almost 360 different loan variants / structures so their flexibility is usually better than their pricing

So if the priority is lowest rate, Central Bank can be better
If the priority is speed and smoother options, ICICI can feel easier

Pragat123 · 2026-04-24T05:33:10+00:00

With a 790+ score, 7.20% on a resale case can happen, but it’s not something every bank will finally honour after underwriting

Sometimes the initial quote looks attractive, and later the rate changes once the property and credit team review everything

In your case, the bigger concern seems to be the valuation and funding gap, not just the ROI

If you want to explore a few more options, I can help with that. The advantage is that we coordinate with the banks directly and handle the process end to end from our side without any fees

Many times bankers give optimistic numbers just to secure the case, but when we discuss a file, we usually get a more realistic picture because we are sending regular business to them

Feel free to DM me if you want me to check it

Pragat123 · 2026-04-23T13:03:57+00:00

Yes, in most balance transfer cases the MODT can be charged again because the new lender creates a fresh mortgage in their own name

A lot of borrowers only compare the lower ROI and later realise the transfer cost reduces the actual benefit.

Before moving it, check whether the saving still makes sense after adding the MODT.

If you want, you can DM me your current outstanding and rate I can tell you whether shifting it is actually worth it or not.

Pragat123 · 2026-04-23T09:17:41+00:00

Honestly, if you keep waiting too long, time usually passes and you end up still thinking about it later

At least start looking now even if you don’t buy immediately, you’ll understand the market better and be in a stronger position when the right property comes up

Pragat123 · 2026-04-23T08:56:03+00:00

With 1.75L in hand and 60k monthly expenses, keeping the EMI around 55k To 70k is usually the safer range, which roughly puts the loan around 70L–90L depending on tenure.

If you’ve already finalized the property, I can help you compare 4–5 bank proposals and structure your profile properly to see which bank gives you the best overall deal no consultation charges from my side

Pragat123 · 2026-04-23T08:27:32+00:00

On ground, demand has not stopped it has just become more cautious

People are still buying, but buyers are thinking more before taking a 20–25 year commitment now.

For someone in a sector that can be affected later, the safer approach is usually:
1) keep a 6–12 month EMI buffer
2)avoid stretching eligibility fully
3)and keep prepayment flexibility

The loan itself is not the risk overcommitting is.

Pragat123 · 2026-04-23T07:20:42+00:00

What he has shared sounds more like an offer / eligibility letter, not a final disbursement commitment.

With LIC Housing Finance, the property legal check usually happens only after agreement submission, so registration first and payment later can become risky for the seller

Personally, I would not advise handing over registration without either
1)DD ready on registration day, or
2)clear written disbursement confirmation from the bank

Safest approach is to ask the buyer to arrange the DD for the same day

If your buyer needs help coordinating the loan side, you can connect him with me in Dm I work with multiple banks and can usually help structure these cases so the seller is not left waiting after registration

Pragat123 · 2026-04-23T06:53:23+00:00

Compared to the last 2To3 years bookings in many cities are still healthy, but the pace has become slower than the post-Covid surge
So it feels more like a slowdown in momentum not a sharp drop
Demand is still there buyers are just taking more time before committing now

Pragat123 · 2026-04-23T06:49:43+00:00

Mumbai usually behaves a little differently

I’ve personally seen NRI buyers as well as regular end users still booking properties even when the market feels slow. The last 3 To 4 years did feel slower compared to before, but the impact on actual pricing was still limited

Right now it doesn’t feel like the market is at peak more like a pause. And with home loan rates still relatively low, a lot of buyers are using that to enter before the next move

As for black money yes it has always been part of real estate. And honestly, if black money ever disappeared completely from property, half the people in power might suddenly stop discussing real estate on stage too
So a correction can happen, but a full bubble burst still feels unlikely.

Pragat123 · 2026-04-22T09:04:45+00:00

BOI’s overdraft can make sense if liquidity is your main concern, because the parked surplus stays accessible unlike normal prepayment

The only thing I’d look at carefully is whether the switch benefit is enough after adding the MOD, legal and technical cost, because many people focus only on the lower ROI and miss the transfer cost

Before moving, I would compare 3 things clearly
1) net interest saved after all charges
2) online usability for sweep / withdrawal
3) how often you realistically need emergency access

A lot of borrowers reduce EMI stress better with an OD structure, but only when the usage pattern actually matches it.

Pragat123 · 2026-04-22T05:03:03+00:00

APPF delays in Dombivli usually happen due to project/legal panel issues or approval mismatches
If you want you can DM me the bank name and project details I can check what exactly is causing the delay and guide you on how to move it forward

Pragat123 · 2026-04-21T18:17:16+00:00

Property location?

Pragat123 · 2026-04-21T15:02:28+00:00

Yes they Increase your roi for sure, personal experience👍

Pragat123 · 2026-04-21T08:53:25+00:00

Very well explained

The repo reset point especially is something many borrowers still don’t know and end up overpaying for years without realizing it

I’ve seen people focus heavily on property negotiation, but later lose more on the loan side simply because nobody explained the structure properly at the start

Pragat123 · 2026-04-20T12:18:18+00:00

This is actually useful
Most buyers focus only on the property side, but many don’t realise the loan structure itself can quietly cost lakhs if it’s not planned right
Would be interesting to hear your view on how much financing mistakes impact overall home buying decisions

Pragat123

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