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Home loans like <\/span>Edelweiss home loan<\/b><\/a> or home loan through any other lender assist you to realise your dream and passion of becoming a homeowner. You do not require breaking your investments and savings or impacting your crucial financial goals like your child\u2019s higher education or post-retirement. The loan comes with a wide range of features and benefits. However, before you apply for a home loan, you must be aware of every crucial aspect. So, unravelled here is everything linked with the home loan so that you can make a better and more informed decision.\u00a0<\/span><\/p>\n

Benefits and features of home loans<\/b><\/h2>\n

Simple availability<\/b><\/h3>\n

All financial institutions and NBFCs are providing attractive housing loan options. You can get a home loan after evaluating your eligibility to mitigate your requirements.\u00a0<\/span><\/p>\n

Multi-purpose<\/b><\/h3>\n

Home loans are multi-purpose loans available for different reasons like purchasing a new building, or residential flat, building a new home or buying a plot, for home renovation or for extending your present home.\u00a0<\/span><\/p>\n

Lower rate of interest<\/b><\/h3>\n

Being a secured credit option, a home loan is usually subject to lower interest rates than other financing options.\u00a0<\/span><\/p>\n

Swift loan processing\u00a0<\/b><\/h3>\n

Home loans include lenient eligibility parameters and minimal documentation. Such factors allow NBFCs and financial institutions to process the loan proceed faster.\u00a0<\/span><\/p>\n

Long repayment tenure<\/b><\/h3>\n

As the loan proceeds involved in the home loan are high, the repayment tenure to repay the loan can be as high as thirty years. It permits you as a borrower to select an affordable EMI as well as ensure that your monthly budget stays within your control.\u00a0<\/span><\/p>\n

Also Check: <\/span>Saraswat Bank Home Loan<\/b><\/a><\/p>\n

Tax benefits<\/b><\/h3>\n

You can get a tax benefit of Rs 1.50 lakh on the principal repayment as per Section 80 C and Rs 2 lakh on interest repayment as per Section 24 b. You even can claim a home loan deduction when you make payment for the registration charges and stamp duty as per Section 80 C.<\/span><\/p>\n

Balance transfer option<\/b><\/h3>\n

With the assistance of a home loan transfer facility, you can simply refinance your existing home loan to any other lender that is providing a lower rate of interest or better loan conditions.\u00a0<\/span><\/p>\n

Top-up loan option<\/b><\/h3>\n

In the top-up loan option, you can take up an additional sum over your existing home loan and even use the same for any purpose, like business or personal purposes.\u00a0<\/span><\/p>\n

What is the basic eligibility parameter for availing a home loan \u2013\u00a0<\/b><\/h2>\n

The eligibility\u00a0parameter for the home loan varies from one lender to another. However, the primary parameter required to avail of the home loan are as follows \u2013\u00a0<\/span><\/p>\n

\u2219<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Age \u2013 Maximum and minimum age must be at least 70 and 18 years, respectively.\u00a0<\/span><\/p>\n

\u2219<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Income \u2013 The minimum income per month must be at least Rs 20,000 or more (differs across the lenders and locations).\u00a0<\/span><\/p>\n

\u2219<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Residential type \u2013 The applicant must be either an Indian resident, NRI or nonresident Indian, or PIO or person of Indian origin.\u00a0<\/span><\/p>\n

\u2219<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Employment status \u2013 Must be non-salaried or salaried.\u00a0<\/span><\/p>\n

\u2219<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Credit score \u2013 Must have a credit score of 750 and above with a strong credit history.\u00a0<\/span><\/p>\n

\u2219<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Work experience \u2013 2 years and above.\u00a0<\/span><\/p>\n

\u2219<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Loan to value ratio \u2013 90 per cent of property value.\u00a0<\/span><\/p>\n

\u2219<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Residence \u2013 Must be a permanent resident or NRI (non-resident Indian).\u00a0<\/span><\/p>\n

What are the important tips for a home loan buyer?<\/b><\/h2>\n

In case you are purchasing a home for the very first time, you might already have researched various home loan options present in the market. Also, you might be anxious regarding the various parameters like rate of interest, margin, loan proceeds, etc., as a home loan come has a long-time commitment. Thus, to make your house search simpler, listed here are some of the important tips which help ease your anxiety linked with home loans.\u00a0<\/span><\/p>\n

\u2219<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Firstly, you must assess your financial standing and check out whether you can simply afford to repay the repayments of your home loan. Ensure to check out your savings and look out if you hold sufficient money to make the down payment.\u00a0<\/span><\/p>\n

\u2219<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>In case you want to get one of the best deals, you will require to shop around and checking the interest rate offered by lenders. This will assist you in getting a home loan at a low-interest rate. Also, never forget to use a financial instrument, i.e., the online home loan calculator, to compute your monthly EMIs.\u00a0<\/span><\/p>\n

\u2219<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>Also, you can take benefit of affordable home schemes provided by reputed lenders on\u00a0<\/span>the <\/span>\u200b<\/span>home loan. First-time home buyers can take up a subsidy on the rate of interest and get a nil processing fee.<\/span><\/p>\n

\u2219<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>You must select your loan repayment tenure wisely. Select shorter repayment tenure in place of going for a higher repayment tenure. This will assist you in saving considerable money, which you otherwise would spend on paying the interest.\u00a0<\/span><\/p>\n

\u2219<\/span>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>It is recommended to purchase a home within your means and at the appropriate location. Also, ensure the builder has a good reputation, i.e., from whom you are purchasing a property must hold a great reputation. This is because ensured to have a good look at the reputation of the builder before approving your application for a home loan.\u00a0<\/span><\/p>\n

Documents required<\/b><\/h2>\n

The application form must be signed, and your latest passport-sized photos must be attached to it. Along with your application, other crucial documents must be attached. These documents include the following \u2013\u00a0<\/span><\/p>\n

Identity proof \u2013 Copy of any document like passport, PAN card, voter\u2019s ID, Aadhaar card and driving license.\u00a0<\/span><\/p>\n

Age proof \u2013 Copy of any document like PAN card, Aadhaar card, birth certificate, passport, bank passbook, 10<\/span>th<\/span> class mark sheet and driving license.\u00a0<\/span><\/p>\n

Residential proof \u2013 Photocopy of any document like voter\u2019s ID, ration card, utility bill, passport, LIC policy receipt, etc.\u00a0<\/span><\/p>\n

Income proof for the salaried \u2013 Photocopy of form 16, IT returns, latest pay slips, ITR of last 3 years, etc.<\/span><\/p>\n

Income proof for self-employed \u2013 Photocopy of the ITR of the past 3 years, business license details, balance sheet & profit and loss account statement, proof of business, etc.\u00a0<\/span><\/p>\n

Property linked documents \u2013 NOC from builder or society, detailed estimate of home construction cost, registered sale deed, allotment letter, approved copy of building plan.\u00a0<\/span><\/p>\n

Note that the document requirement might differ from one lender to another. So, you may be asked for more documents based on the financial institution you have applied with for your home loan application.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Home loans like Edelweiss home loan or home loan through any other lender assist you…<\/p>\n","protected":false},"author":1,"featured_media":742,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[95],"tags":[],"class_list":["post-741","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-improvement"],"yoast_head":"\n\u200bGuide to Home Loan | Ghorbaghe<\/title>\n<meta name=\"description\" content=\"Being a secured credit option, a home loan is usually subject to lower interest rates than other financing options.\u00a0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ghorbaghe.me\/guide-to-home-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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