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Hi Sameer,
Thanks a lot for volunteering yourself. However currently I am out of
India and will be back this Sunday only. Just to let everyone know
that DCHFC did not work on Saturday.
I would suggest that someone can start the discussion on phone to get
the information and later we can plan a visit. We can also explore the
option, If some one from DCHFC can come to a common place and make a
presentation. We all can prepare the list of qusetion we need them to
answer.
Further, Can anyone also update with Demand letter status of HIG VK as
there is a news of 2 to 3 months delay in that.
I had made a visit early this month and probably 6 to 9 months work is
still pending..
Thanks
Sonu
- show quoted text -
On Sep 19, 6:05 pm, Sameer Jain <sameerj...@gmail.com> wrote:
> Hi Sonu,
>
> I too feel there is no harm in exploring it. We can follow the same process
> as was followed for SBI bank. I mean a representative group of 3-4 members
> can go and meet them and negotiate with them.
>
> I volunteer myself to be one the representative for this. Can we have 2-3
> more members who can acoompany me to DCHFC. NCR folks are prefered for
> logistics perspective.
>
> Regards,
> Sameer
>
>
>
> On Mon, Sep 19, 2011 at 3:29 PM, Sonugca1981 <sonug...@gmail.com> wrote:
> > Hi Everyone,
>
> > My name is Sonu and I am also one of allottee of DDA 2010 draw,
> > allotted a flat at Vasant Kunj.
> > I have joined this group couple of days back only, through some other
> > group where I was a member. I am quite happy to see people are taking
> > initiate and joined together for benefit of all.
> > I would like to share one important information regarding the loan,
> > Did any one heard about
> > Delhi Co-operative Housing Finance Corporation Ltd.
> > 3/6, Siri Fort Institutional Area, August Kranti Marg, New Delhi -
> > 110049
> >www.dchfcdelhi.nic.in, Phone: 26495506, 26494508, 26497509, 26495635,
> > 26496507 Fax: 26496332
>
> > One of my known one took a loan from them and there interest rates is
> > around 9.5% and are lower than rates charged by any bank.
>
> > I think we should explore this as a option. I had gone through the one
> > of the discussion on the subject and some one mentioned that they only
> > give loan to Govt or semi Govt employees only. However I did had a
> > talk with them and even I have gone through their website, there is no
> > such requirement. Yes there is 50 basic point interest benefit for
> > Govt employees.
>
> > Currently I am out of India and can be reached at son...@yahoo.co.in
> > or sonug...@gamil.com.
>
> > I will be back next week.
>
> > let me know if anyone have any question / clarification.
>
> > On Sep 19, 1:35 pm, Sandeep Kumar <san...@gmail.com> wrote:
> > > *Pictures*
>
> > > - Pictures of first session
>
> >https://picasaweb.google.com/106525253717697330282/SBIFirstLoanSessio...
> > > - Pictures of second session
>
> >https://picasaweb.google.com/106525253717697330282/SBISecondLoanSessi...
>
> > > * *
>
> > > *Feedback for the first session*
>
> > > *Santanu Haldar*
>
> > > Dear friends,
>
> > > We had a fulfilling and effective day in the context of our first loan
> > > application filing session with SBI at B Block, Rajiv Chowk.
>
> > > It was fulfilling, because in the entire journey (since May) of
> > “Collective
> > > loan…” till yesterday it was demonstration of our intent, today we have
> > > demonstrated our commitment as a group for the mission. Thirty six (36)
> > > members attended today’s session, although only 30 members given prior
> > > confirmation and 5 from confirmed list unable to make due to last minute
> > > unavoidable constraint. It is inspiring to see members came from Barely,
> > > Chandigarh and Hyderabad as well. Moreover, the occasion given unique
> > > opportunity to have a real face of our nick name’s of the electronic
> > world,
> > > it was amazing experience to know 36 friends and future neighbors, and
> > > interacting in person beyond group posting.
>
> > > It was effective because, till now SBI had seen couple of people on
> > behalf
> > > of the DDA2010 group, with promise and intent. Today SBI RM, CM and other
> > 3
> > > Officials interacted with 36 DDA2010 Group members. Group’s identity and
> > > strength is established. Twenty one members submitted their complete
> > > application after verification, 6 members could not submit their
> > application
> > > due incomplete documentation and remaining people got their queries
> > resolved
> > > successfully to complete the documentation at next session of coming
> > > Saturday.
>
> > > I will stop here! Let members share individual experience in their own
> > > words.
>
> > > Cheers,
>
> > > Santanu
>
> > > *Om Deshmukh*
>
> > > yes.. it was a pleasant experience! Now we have a face to associate with
> > > many of the posts in this group. It was business + fun day. SBI folks
> > were
> > > very helpful in getting the forms filled and suggesting several
> > "exceptions"
> > > to accommodate many special cases (kisi ka personal loan chal raha hai,
> > kisi
> > > ke kuch documents kam hai, kisi ki eligibility discretionary powers se
> > > badhani hai and so on). It is quite unlikely for SBI, which is rigorous
> > and
> > > has a high ratio of rejecting home loan applications, to be so
> > accommodating
> > > and customer-welcoming. To me, this is one of the substantial evidence of
> > > how going in a group has benefited us! Other advantages have, of course,
> > > been discussed here in other threads.
>
> > > It was fun to meet so many of the fellow group members. Sandeep also
> > managed
> > > to get quite a few clicks. He would be posting them soon!
>
> > > Om
>
> > > *Gaurav Tyagi*
>
> > > Dear Santanu,
>
> > > It is really grt to see your good experience @ SBI.
>
> > > Could you please tell us when will be the second session with SBI, I am
> > > interested to take loan from SBI even I have not yet confirmed to
> > moderator
> > > about my requirement.
> > > Please tell me how can I proceed further in this regard.
>
> > > Thx for your help
>
> > > R,
> > > Gaurav Tyagi
>
> > > *Vinay Singh*
>
> > > Dear Santanu and friends,
>
> > > Hats off to you for arranging such a great and helpful session with SBI
> > > folks. I am sure it is going to be extremely helpful for all of us. It
> > was a
> > > great opportunity to map names with faces. I was also thrilled by
> > > responsiveness of SBI officials to help us out while filling the forms
> > and
> > > clarifying our doubts. Though I expected to take it longer, my forms
> > > verification and submission took just 30 minutes. My visit from
> > Chandigarh
> > > did paid off really well.
>
> > > Thanks a lot, hope the discussion continues and we all benefit by helping
> > > and sharing our experiences. We have just started and still a long way to
> > > go, but will happen surely with such a helpful group.
>
> > > Best Regards
> > > VS
>
> > > *Pemba Bhutia*
>
> > > Dear Santanu,
>
> > > Congrats for the great work. You have always shown the way when it
> > matters.
> > > My only question is ,since SBI is a Govt. PSU, and the rates cannot be
> > > different whether one goes direct or through the DSAs. so what is the
> > > difference? and if it is same, why not sit at home and get it done.
> > Just a
> > > sincere question...not to discount the great work you guys
> > > are doing...hope you will resolve my query.
>
> > > Regards,
>
> > > PT BHUTIA
>
> > > *Ajay*
>
> > > That's a valid question! I think once we have substantial number and can
> > > show the business to SBI, we should be able to get a better interest rate
> > > than what is currently available for an individual. May be Santanu n team
> > > can better comment on it.
>
> > > I also submitted the papers yesterday with many others and just to sum it
> > > up, "It couldn't have been simpler". I was done in 5-10 minutes as I came
> > > prepared with the documents. All thanks to guys like Santanu, Sandeep, Om
>
> > > Lets submit our papers in the next SBI meeting to make the hard
> > bargaining
> > > possible. If we go individually, anyways there is no chance of a better
> > deal
>
> > > with a bank like SBI.
>
> > > Thanks,
> > > -Ajay
>
> > > *Rajan Chandolia*
>
> > > Agreed....I went yesterday for Saturday session as well. The proceedings
> > > were very smooth and was nice to interact with other allottees.
>
> > > Santanu and Sandeep had done a great job.
>
> > > Pros:
> > > (a) Applying as a group means efficient service
> > > (b) The biggest plus is for people who marginally satisfy the eligibility
> > > criteria; they will certainly get some benefit in getting their loan
> > cleared
>
> > > Also to add to above for people like me who easily satisfy the
> > eligibility
> > > needs to see value. I would like to apply as a group over DSA to get
> > > benefits of service but would also bargain harder with SBI as for them
> > it’s
> > > easy money. Don’t forget they are charging processing fee (Rs 5K) on the
> > > other hand some DSA are ready to waiver it.
>
> > > Thanks,
> > > Rajan
>
> > > *Om Deskmukh*
>
> > > Pemba and others,
>
> > > Very first thing is that DSAs are associated with a particular branch of
> > the
> > > bank and not with a zone (a zonal officer oversees about 20 odd branches)
> > > and definitely not with the home loan department. Say the DSA comes home
> > and
> > > takes all the documents from you and say he also gives a gift of 2000 Rs.
> > > Also say that the DSA is very experienced and meticulous and gets all the
> > > correct documents. So, instead of coming to the B-block SBI session, if I
> > > got the DSA home and gave the documents, I would have made an immediate
> > > profit of 2500 Rs. where 500 is what I would have saved on the to-fro and
> > > time saved and all that. What happens to your application now? It goes
> > from
> > > the DSA to the branch, the branch folks check it, assuming the branch
> > okays
> > > your documents, they get sent to the zonal department (this is optional I
> > > think), another round of scrutiny and then to the home loan department.
> > If
> > > everything goes fine, you are done and you get the home loan approved.
> > But
> > > that "everything-is-okay-at-every-step" is a big assumption when it comes
> > to
> > > SBI. DSA loses control once the file is beyond the branch. and then you
> > are
> > > pretty much on your own.
>
> > > If, on the other hand, I had gone to the group-session, the forms are
> > > checked and the credit-report for my application is checked right away
> > and
> > > the file is directly sent to the home loan department as a
> > > special-DDA-package with the assurance that their feedback will be given
> > to
> > > us in 7 working days. plus, there will be one person who will always be
> > > working with the groups to resolve issues. Worth of this is much much
> > more
> > > than 2500Rs. 2500 Rs is a very very tiny amount in front of a 20-lakh
> > > 20-year loan commitment and so is half a day's effort to visit the
> > session.
>
> > > On the other
>
> ...
>
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