home loan

Home Loan kaise Milta Hai? : Home Loan Kaise Lein? – Home Loan Apply Online

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Namaska doston aaj hum iss post mein baat krenge Home Loan k bare mein. Home Loan kya hota hai, Home Loan kaise lein, Home Loan lene k liye kon kosnse documents chahiye honge?, iss post mein hum step to step sari cheeje janenge.

Home Loan Road Map

  1. Finalize Property
  2. Loan Application
  3. Due Dilligence By Bank
  4. Credit Appraisal and Loan Sanction
  5. Loan Agreement
  6. Offer Letter and Acceptance
  7. Sale Deed and DD Handover

Step 1- Loan Application

Compare Interest Rates Online

Sabse pehle aap log check karenge ki kon se bank apko kam interest prr loan de rahi hai iske liye aap online bohot sari websites se iske bare mein pata kr skte hai.

Make An Enquiry Online Or Directly At Bank

Negotiate Lowest Interst Rate

Negotiate Lowest Interest Rate unhi logon ko milta hai jinka Credit Score acha hota hai or income bhi dekhi jati hai.

Processing Fee and Other Charges

Processing Fee: 0.24%-2% Of Loan Amount

Legal % Technical Due Diligence Charges

Step 2- Documents

  1. Application form with photograph duly signed
  2. Identity, residence and age proof
  3. Last 3 months bank statements
  4. Last 2 months salary-slips
  5. Processing fee cheque
  6. Form 24/ income tax returns
  7. Proof of business exsitence

Step 3- Due Digigence By Bank

  1. Financial Check
  2. Bank statements Scrutinized For:
  3. Transactions- Business activity, saving, credit, investing
  4. Average bank balance
  5. Cheque returns and cheque bounces
  6. Other loans and liabilities
  7. Net income to calculate loan eligility
  8. Civil score- Credit and repayment record

Step 4 Field Investigation

  1. Verification of residential address contact details
  2. Employer credentials- company address, industry, organization stability
  3. Physical visits will be made by bank reperesntatives
  4. Physical visit to property- assess condition, construction quality, encroachments etc.
  5. Property valuation- By an approved valuer
  6. Additionally for under- construction property
  7. Stage of construction and satisfactory progress
  8. Quality of construction
  9. Approved layouts and building plans

Step 5 Legal Due Diligence

Title Check- Legal ownership and no encumbrances

Property documents- title documents possession certificate, agreement for sale

Under-construction land title check of builder, alltment letter, builder-buyer agreement, check if project already approved (APF code)

To doston aaj maine apko Home Loan k bare mein information di hai. I hope ki aap sab ko samjh aa gya hoga iss post ko like karein share karein..apke keemti time se thoda time nikalke iss post ko padhne k liye dil se thank you.

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