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Self Employed? Here is how you can get a home loan.Majority of the work force in our country are self-employed and we admire the people who possess the acumen for entrepreneurship. But when it comes to applying for a home loan, self-employed professionals do not have it easy. They must go through several tiresome documentation processes when compared to salaried employees.The main concern for the bankers and lenders is the consistency and stability of the business owned b
Housing for All - The Pradhan Mantri Awas YojanaA Vision to make housing, affordableMore than half the world's population now reside in cities, and with cities getting more congested, the pressure on building homes for the urban poor and the middle-income groups is like never before.The Pradhan Mantri Awas Yojana (PMAY) scheme is part of the government's 'Housing for All' initiative and was launched in the year 2015. The aim of this initiative is to provide
What is a Home Equity Loan?Owning a house is the best asset one can possess. A house is an asset which can be used to support various financial needs. For situations like college education fees, house renovation and repairing, medical bill payment or any major requirements, your property can act as a solution. Home Equity Loan allows you to borrow a considerable amount of money against the value of your residence. This is a secured loan as the lender can get back the loan
Income Tax deduction for interest on Home LoanBuying a house is a dream for most Indians and if it happens to be your first home, it makes it more special. Affordable housing and home loans have helped many Indians realise their dreams of owning a house.There are other schemes through which first home buyers can benefit such as section 80E allows tax benefits for first time buyers. The interest paid for home loans can be claimed till the entire home loan amount is repaid
Home Improvement Loan Interest RateIt is rightly said that there is no place like home! Your home is truly your castle, but even the best of castles occasionally need some renovation and remodeling! Are you on the lookout for some funds to perhaps, add a room, construct your very own in-house bar, or build your own little home-theatre? Well, look no further, read on to know more!Why take a home improvement loan?A well-thought-out renovation could possibly he
6 Smart Tips to Get Low Interest Home Loans
Are you ready to make one of the largest and most significant financial commitments of your life? Owning a home is not a cakewalk and comes with its own set of responsibilities like paying your EMIs every month without fail for many years, if not decades; planning your budget every month to accommodate your EMIs; making sure you make all your payments on time and in full every single month. One needs careful financial
Are you ready to make one of the largest and most significant financial investments (a.k.a buying a house) of your life? Owning a home is the aim of almost every Indian, if not the aim of millions the world over. It is a valuable, and usually appreciating, asset. It is one asset that confers mental and emotional security in addition to financial stability as well. In order to fill that huge demand for buying a home, banks and other financial institutions have developed a variety of home loan
Are you planning to buy your dream home? You might have your property selected, your down payment ready, and your finances planned. But have you done enough research on the interest rates you will incur when you take the home loan? Have you done enough home work on which kind of interest suits you best? Here are some pointers on what you should consider when you are evaluating home loan interest rates.
What is a home loan and EMI?
When a bank or NBFC lends a c
Buying a home is a huge investment - it can’t be emphasized enough. It is a wonderful feeling to be able to own a valuable asset like a house. For most people in India, it is the main acquisition they will ever make, considering the real estate prices nowadays. Homeownership is something that almost every Indian – urban or rural - dreams of and banks have come up with loans suited for that very purpose!Before you decide on a housing loan, you need to make sure you a
Planning to buy a home? You are probably already imagining the furniture you will buy, where you will have the TV, and enjoying the many delights of setting up a home of your own. But owning a home also comes with its own set of responsibilities like pay your EMIs every month without fail, and planning your budget every month to accommodate your EMIs.
When you actually sit down to research home loans you will find that you are bombarded by an array of very tempting offers being
Buying or building your own home is the ultimate step to being financially ‘settled’ in many countries, including India. While it is a dream for many millions, most do not have the financial wherewithal to buy or own a home on their own. Banks and other lenders have come up with affordable home loan options in order to make this dream into a reality!Am I Eligible? In order to be eligible for a home loan, you need to be• A salaried e
If you dream of owning your own home but wonder if you will be able to ever afford it – worry not! The overwhelming majority of home owners need that extra support of a home loan from to help them fulfill their dream. Owning a home is the ultimate dream of almost everyone and very few have the financial means to achieve it. That is where a home loan can help you.The market is flooded with innumerable home loan offers and it is easy to get confused about which product is the bes
Owning your own home can be a big and impossible dream, but very often that dream does come true. If you are looking for a new home loan, there is a huge array of possibilities available in the market. You will need to look at the interest rates, the loan amount you are eligible for, and the tenure of the loans on offer and compare the benefits and features. Once you identify a property, finding a suitable home loan to enable you to buy it should not be a problem.
What are the
If you are in need of a significant amount of money and own property, then a Loan Against Property is an attractive, and relatively reasonable, credit option to consider. People often view a property as being of value only in bringing in rental income or selling at an appreciated price. It is often overlooked as an asset when raising funds for business or personal expenses. If you are in need of substantial funds, you can unlock the dormant potential of your property and raise funds at a rela
A Loan Against Property is exactly what its name suggests – it is a loan where the bank or NBFC (Non-Banking Financial Company) lends you money and holds your property as security until the loan is repaid. Of course, the loan approval is dependent on the property eligibility, among other factors. Once you repay the loan in full, you regain possession of the property. In case you fail to repay the loan, the lender can attach the property and dispose of it to recover the unpaid dues
It is not an exaggeration to say that one of the goals common to people across the world is to own a home. However, for most people, buying a home automatically means having to get a home loan to help them finance the huge cost. In India too, buying a house of your own is perceived as a much desired sign of stability and security. Fortunately, it has never been easier to borrow money for buying a house and the market is flush with a multitude of loan products and offers to choose from.
Are you in the loan market as a first-time house buyer? Identifying a suitable home and then finding the finances to purchase it can be a new and unfamiliar terrain for most people. Here are some tips on the kind of buyer credit that lenders look for when they review a home loan application.
How can I qualify for a home loan as a first-time house buyer? What do lenders look for?
Lenders look at severa
Are you planning to buy your first home? A home is more than an asset. It's a symbol of pride, comfort and accomplishment. Buying a property that they can call their own is the dream of millions of middle-class Indians all over the country.
Are you nervous about being a first-time home buyer? Moreover, are you planning to apply for a home loan but are worried about your credit record? A home loan is a significant financial commitment on the part of the customer and a significant long -term investment by the lender. Having bad credit is a big barrier in the way of being approved for a loan and it is wise to take steps to improve your credit record right away.
Is it possible for a first-time buyer to get a loan wit
If you are looking for a loan for apartment purchase, there is a vast array of home loan options available on the market. A home loan is a loan for buying any residential property – whether an independent house or an apartment/flat. Here are some tips on how to successfully apply for a loan for an apartment.
Tips for applying for loans for apartment purchase
Lenders look at several factors
For millions of people, buying a home of their own is one of their most cherished dreams. Most people will achieve this dream with the help of a home loan - which is one of the most significant financial commitments they will make in their life. Home loans generally involve a substantial loan amount and a long repayment period that could stretch into decades, but it also the means of owning a valuable asset and confers a sense of security. Here are some useful tips to keep in mind to ma
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