Home Loan Articles

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Use of Home Loan Eligibility Calculator in Deciding the Loan Amount
In today’s time, a Home Loan has rightly emerged as a modern-day viable financial medium to help home buyers fulfil their dream of purchasing their dream home.Yes, depending on your Home Loan eligibility, you can borrow money as high as Rs.20 lakh to Rs.10 or more as per your lender’s terms. That’ where if you are mulling a home purchase with a housing loan, being loan eligible is the first thing to do!Also, if you are unsure of a House Loan amount that you can borrow, you need to discover your loan eligibility. For that, using a Home Loan eligibility calculator could be ...

How does a Home Loan EMI Calculator Works
You would want to buy a home that fulfils your family’s dreams, while keeping the cost affordable. In most cases, you’d need to get a Home Loan to be able to afford your dream house.A Home Loan is a great idea, but there are just too many options to choose from. How do you pick the loan with the ideal amount, tenure, and EMI?This where an EMI calculator comes into the picture.The Home Loan EMI CalculatorAn EMI (Equated Monthly Installment) is the amount you have to pay each month towards the loan. This is calculated using a slightly complicated formula; if you are doing thi...

Get Home loan rates impact your home loan...
Owning a house or additional property is a far-fetch dream for many people. The ever rising cost of real estate has been a major contributor for being an obstacle for a customer for investing in properties. But property offered by leading banks and finances companies has been the preferred financial solution product that will help a consumer to easily fulfill their dream of buying a house. Several products are available in the market at customer’s service. But it’s important to consider factors like Home loan rates, flexible repayment options, processing fees, etc. before opting fo...

What You Need to Watch Out for When you Apply for a Home Loan
When you are buying a home, you’ll try to do everything right from start to end. But when the big day finally arrives, you could end up being plagued with a host of hidden costs that you wouldn’t have anticipated. Worse yet, they could be cutting into savings that you would otherwise need.It’s understandable that buying a home is a big purchase that you would probably make. When you can finally afford to materialise the dream, the joy is inexplicable. You try to do everything neatly, from choosing the home to setting up the budget and preparing for the housewarming party. H...

7 MOST COMMON HOME LOAN PROBLEMS FACED BY BORROWERS IN INDIA
Getting a home loan is a lengthy procedure. However simple it might look in the bank's advertisement, the fact remains that there are a lot of hiccups in the entire process. Here are the 7 most common problems faced by home loan borrowers in India. Each problem is discussed in detail and appropriate remedies are mentioned along with it. The objective of this article is to ensure that your home loan becomes a hassle-free experience.1.      Rejection at the first stageStrange but true, many of the home loan applications do not pass even the first test. They are out r...

Understand the House Loan Process for a Fair Home Loan Decision
Home buying is undoubtedly a costly affair. Many a times we don’t have enough money to finance our house. Home loans provide the best financial support during such a time. But in order to suffice to our financial requirements, we sometimes rush into the decision of finalizing a home lender. This must be avoided at all costs because our relationship with the financial institution will go a long way. Therefore, we must choose the financial service company (HFC) or the bank that provides favourable terms and conditions. Instead of falling into the trap of an HFC, you must do your homework a...

Complete Guide to the Home Loan Process in India
Buying a home is one of the major decisions a person has to take during his life. It is rare to find someone who pays the entire cost of home at one go. A home loan is an essential part of any home buying endeavor. Taking a home loan is a long journey, which involves many stages. The key to getting your home loan in a smooth way is being familiar with the entire home loan process.Beginning the home loan process in IndiaThe process of getting a home loan starts with a formal application for the loan. The application form requires certain basic information about you. This will include your p...

Tips to get the Best Home Loan India
Few things bring a person as much satisfaction as being able to put his feet up and relax under his own roof. Owning one’s own home is usually at the top of everyone’s goal lists, and with good reason. Financial websites and magazines have article after article that describe how renting is the road to ruin, and how buying a home makes the most financial sense. However, these days it is near impossible to buy a home without opting for a home loan, and with so many banks and financial corporations offering loans, it is important to take the time to choose the best home loan in India....

Five Things That Matter For Home Loan Applicants
1. Applicant’s Age and IncomeBanks look beyond your salary and age. “Home loan eligibility is calculated on the basis of the income of the applicant and the number of working years left. A person who is 50 year old and earning Rs. 105 Lacs per month could take a loan of Rs. 60 Lacs and in another case a 30 year person with same earning amt is eligible for a loan of Rs. 94 Lacs. The latter has 20 more years to repay the loan. As a housing loan is a 20-25 year-long contract, lenders need to be sure of your repayment capability. Lenders prefer applicants employed with a particular f...

Your Guide to Home Loan Sanctioning and Disbursement Processes
A Home Loan is a type of financing availed to fund the impending purchase of a residence. While you may know that taking a Home Loan is sometimes a lengthy affair, you also need to know the basic factors that come together before a loan is sanctioned and disbursed. Below is a brief explanation of the process.The Home Loan sanctioning process in India can be tricky for first-timers to navigate, especially since lending agencies have certain criteria that you need to meet.DocumentationThe first thing that lenders look into is proper documentation. Provide proofs of your identity and addres...

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