IDBI Home Loan — Exceptional delay in Sanctioning loan

I was approached by IDBI Pithampur for transferring home loan amount from ICICI to IDBI.
It sound good till i got sactioned letter No-032/492/071009 ; dated 22.10.2009 where insurance premium (Rs 13173) added without asking to me.
In short, processing fees + Stamping fees + Insurance charge and also Own requirement of ICICI proved that this is not going to attractive deal.
I accepted all but till today 02.01.2010 IDBI is confused and asking again more and more papers just for home loan amount 2,50000 Rs. This is going to be a life time experience for me.
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ICICI/IDBI — Home loan

I had taken housing loan in ICICI and now due to the high interest rates I m switching over to IDBI bank coimbatore. IDBI coimbatore has processed my loan request and it is ready to give the loan and I they had requested for one document which is List Of Documents(LOD) on the letter head of ICICI bank.

ICICI has clearly clarified that they can issue the LOD on a plain white sheet of paper with the Banks Seal and they dont issue it on the letter head as per their policy . Now I am caught between these two banks for the transfer. IDBI coimbatore alone has told that they cannot approve the loan since it s LOD is not in their letter head.

Other than this issue I dont have any other problem with the bank related documents I had to submit.

And the branch manager of IDBI coimbatore tells that its his decission to give away the loan and there is no Bank policy as such to look into it . Please let me know what has to be done on this regards.

Thanx
Manikandan B
Dear,
i have also taken from idbi bank and requested for top loan against the property whose mortgage is done with idbi and original paper are time, , still i m waiting from last 1 mont after all approvals/loan sanction but still idbi is asking papers one after one, including my relation with mother proof for property which is already mortage by them

Still u have time get away from IDBI bank and also reqested new home laon seeker to get away from IDBI, as other banks are more professional that these IDBI bank

pls aware others also

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