**Steel almirah (Godrej) vs custom wooden almirah for a new home — which one would you pick and why?** Torn between durability/cost (steel) vs aesthetics/customization (wood), especially with Bangalore humidity/termite concerns in mind. Would love to hear from folks who've lived with either for a few years.
Steel almirah (Godrej) vs custom wooden almirah for a new home — which one would you pick and why? Torn between durability/cost (steel) vs aesthetics/customization (wood), especially with Bangalore humidity/termite concerns in mind. Would love to hear from folks who've lived with either for a few years.
My wife and I are planning a joint home loan in Bangalore. Both in tech, both salaried.
I've seen the advertised rates. I want to know what people actually got sanctioned.
Also how much loan can we get? we are looking for 85-90% loan if possible. Fine with 80% also.
Rate & negotiation
OD / MaxGain
4. Anyone on an OD-linked home loan — is parking and withdrawing money actually smooth, or does the bank make it difficult?
5. Is the slightly higher rate on OD loans worth it for salaried folks who get annual bonuses?
Repo rate transmission
6. When RBI cut rates in 2025, did your bank actually pass it on within 3 months — or did they delay?
7. Any banks that were particularly slow about this even on EBLR loans?
Hidden costs
8. What processing fee did you actually end up paying? Any charges that caught you off guard post-sanction?
9. Legal/technical verification — bundled or charged separately?
Prepayment
10. Anyone tried part-prepayment — did the bank reduce tenure or EMI by default? Did they give you a choice?
Joint loan specifics
11. Did the higher-income spouse as primary applicant change the sanctioned amount noticeably?
12. How are you splitting the 80C + 24(b) tax benefit between co-applicants?
Your bank experience in Bangalore
13. Which bank gave you the best overall deal — rate, service, and disbursal speed combined?
14. Direct bank vs. DSA/agent — did it actually get you a better rate or just more calls?
Hi Reddit,
My husband and I are both IT professionals based in Bangalore, evaluating Australia PR vs Canada PR and need honest opinions from people who've been through this.
Our profiles:
Points calculated by agent:
Questions:
We haven't started the process yet — still evaluating. All honest opinions welcome! 🙏
Hi Reddit,
My husband and I are both IT professionals based in Bangalore, evaluating Australia PR vs Canada PR and need honest opinions from people who've been through this.
Our profiles:
Points calculated by agent:
Questions:
We haven't started the process yet — still evaluating. All honest opinions welcome! 🙏
Hi, looking for a 2BHK resale / ready-to-move in Panathur, Kadubeesanahalli, or Bellandur area. Budget ~1.8Cr. Preferred builders: Tier-1/Tier-2 only (Prestige, Sobha, Brigade, Purva etc.). DM if you have any leads!