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Home Loan Status Check

You can check the home loan status check through the following methods.

At the Branch

You can also directly go to the branch you apply at to meet the officer in charge to know the status of your home loan application.

Home Loan Status Check: Online

Every bank provides customers with a simple and hassle-free means of checking their home loan status.

To check your home loan status from the bank’s website you would need to provide any of the following inputs

  • Applicant Name
  • Reference Number
  • Date of Birth
  • Mobile Number
  • Pan Number

Home loan Tracking

Tracking Home Loan application through your mobile number and date of birth

With Mobile number being a unique identifier, many banks use mobile number alone as a point of reference to track the home loan application. This way the customer does not need to search for a different number like reference number to check their application status. Using this method, the customer can check the loan status from anywhere. As an added precaution some banks might ask for date of birth along with the refence number/application number for reference.

Home Loan tracking by reference number

Just like mobile number the reference number/application number is also a unique identifier. The only downside with checking the loan status using this method for the customer is that they need to keep this number in hand as they might not have memorized it.

Home Loan application status through net banking

If you are an existing customer, you have an added advantage. Not just the case where you can try and negotiate better loan terms you can also apply and check your loan status on the et banking portal. All you need to do is login to your net banking portal and go to the loans section. Here you can apply, check or know the balance on the loan you apply.

Home loan Status Check

With more and more people look forward to owing a new house, the demand for home loans has skyrocketed in the recent years. A home loan is the easiest way to fulfil your dream of living in your own house. Having realised the demand, every bank offers home loans to their customers at competitive prices. axis bank, one of the popular banks in the country, provides tailor-made home loans to salaried and self-employed individuals at attractive interest rates and a longer tenure.

You can apply for an Home Loan either online or offline. After completing the application process, you can track the application process using the methods given above.

How to apply for a home loan?

To apply for a home loan, you can either do it online or in person to the nearest axis bank branch.

Online method:

Like axis bank, every bank has an online portal. The users can visit the official website of the bank and provide details such as name, income, employment and property documents to apply for a home loan. Once application submission is over, the bank will process your application and approve your home loan. The applicants can also track the home loan application online and offline using simple steps.

Offline Method:

You can visit the bank, fill in the application and submit it along with the requisite documents. In general, it can take up to 30 days for your application to be processed and approved/rejected.

Documents required to apply for Home Loan

To apply for a home loan with axis bank, you will generally require the following documents.

Proof of Identity: Passport/ Voter ID/Driving License/Aadhaar Card

Proof of Residence: Passport/ Voter ID/Driving License/Aadhaar Card

Proof of Income: Payslip of last 3 months, Bank statement, Latest form 16 and IT returns

Property related documents: Buyer agreement, property registration etc.

Business profile for self-employed professionals

EMI payment methods for Home Loan

Standing Instruction (SI) is a good way to pay your EMI if you are an existing account holder at the lender bank. Your EMI amount will be debited automatically at the end of the monthly cycle from the axis bank account you specify. It is simple, and you do not need to remember each month about paying the loan manually. There is also Electronic Clearing Service (ECS) which can be used in case you do not have an account at the lender bank. ECS is where you give the lender bank permission to directly withdraw money automatically, each month from your specified other bank account. Lastly there is Post-Dated Cheques (PDCs) which can be submitted to the lender bank for the duration of the tenure, which the bank will deposit each month on the date specified by you. Most banks make this facility available only in areas where the ECS or SI facilities are not available. This method also has the drawback where the bank might lose the cheques as the duration or tenure is long.

Home Loan status check FAQ

1. How can I track my Home Loan application status?

You can track your home loan application status either online or offline. You may have to provide the details of your Application ID, mobile number or date of birth to track the status of your home loan application.

2. How can I know if my Home Loan application is approved/rejected?

Once all the details are verified, your application will either be approved or rejected. You will be informed about the approval through a letter/Email/SMS from the bank.

3. How can I make Home Loan EMI payment offline?

You can pay your Home Loan EMI payment in cheque to the nearest axis bank branch.

4. Should I need to have an bank account to get an Home Loan?

No, you do not need to have an axis bank account to get a home loan.

5. Can I prepay my Home Loan?

Yes, you can make prepay the entire outstanding balance or make part-prepayment on your home loan.

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