Hi All,
I have a very bad experience with the IDBI bank home loan. I took a construction loan when the estimation for construction was 20 lakh. later on when we got the construction completed, it became 30 lakhs to complete. So when I asked the IDBI bank manager Archit agarwal, he told that i can apply for top up loan once all the amount is dispersed. But then when i went (after completing the house by borrowing money from outside), they told that I'm not eligible for top up loan as there is no increase in my salary.
Why didn't they check my eligibility before committing to me that I can apply for top up loan?
There was an other idiot, that IDBI agent then told don't worry. you come after two months so that I can apply for mortgage loan even if I'm not eligible for top up loan. The reason being, that I'm getting rent. After two months once again i paid a cheque of Rs.2, 700, now they saying that I'm in-eligible for any loan with IDBI as my salary has never got increased and they were under the assumption that it will increase every year.
I think nobody should apply for loan with IDBI bank going forward, this is one of the worst banks that anybody can ever see in their life... based on my experience... They play with the peoples feeling and emotions!!
I'm harinath and my email id is [email protected]... hope this information falls under the eyes of some noble person in IDBI who can resolve my issue.
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