I am NRI based in US. I have took the Home loan to buy a home in chennai theo shelters. There are the worst service providers. I was in hurry to go back, so I took the loan. Couple of points a) They always give the check late, so flat owner puts the interest. It goes from the loan amount. Shelter / citi bank never cares. b) I Have called 12 times over 3 months time frame to solve the problem.
Shelter - citi bank home loan never calls back. They 100 % don’t care once the got the loan approved. c) When you have EMI Questions, send emails to ’’India Service’’ indiaservice@citi.com, No body follows the emails d) Shelter / Citi bank never cares that if you have balance in your home loan account or not. They keep on putting EMI. e) If you don’t pay the EMI - they will send penal penalty. So try your all options before you settle down with Citi Bank Home loan ( even think hard if your NRI)