Do you also want to know – How to take a home loan? How to get a home loan to build your dream home? How to get home loan All of this must be a question in your mind. You also want to take home loan. And you will not know the information about taking home loan.
So you have come to the right place.
There are also many types of loans – such as Personal Loan , Business Loan and Gold Loan. Home loan of which also comes.
Let’s get home loan or get it now? Let’s understand this with some details. Home Loan He is a loan. Those who borrow money to build a house. Which we pay in installments with interest. And how much installment do we have to pay? It depends on you. And what we have to do for this. Which documents will be required? Along with this, how to apply home loan. All these details are given below
What is Home loan Details? (What is a Home Loan?)
In today’s era, every person likes to live in his house. Or he wants to build his own house. But this is not possible in today’s inflation. Because no 1000 or 10000 is needed to build a house. It takes millions of money to build a house. First, a person will buy land. If he would have his own land. So he does not need to buy land. But if there is no land, then land will have to be purchased to build a house.
This common man will buy the land first. Then after that, the house builder would buy goods like cement, bricks, sand, and others. Then after that, we will think of making a home. But for a common man, this is not possible at all. Due to all these reasons, he needs a home loan. With the help of which he could build a house with money.
A home loan is available from all types of private banks or government banks. But he will give it to you only when you follow his conditions. The government has also given you many such schemes. With the help of which you can take money to build a house. That too without any loan. Those are called the Pradhan Mantri Awas Yojana. There are many other such plans. The government has started a scheme for the poor.
These schemes are only and only for those who are very poor but who are the common men. There is no such government scheme for them. That’s why you have to take a home loan.
How to take a Home Loan?
If you want to take a home loan then you can take it easy, just you have to follow some rules and regulations. In this home loan you can get a loan ranging from 10 lakh to 80 lakh and you will have to repay that loan in the stipulated time. It is not that you will tilt the loan simultaneously, by force you will have to repay this loan by giving a little installment.
Now we will tell you about the home loan documents and will also tell you what conditions have to be followed before taking a home loan.
Home Loan Terms: –
Friends, if you take a home loan, every bank has different conditions, the common terms of which are-
- Whichever bank you want to take a loan from, you should have your account (s) in the same bank.
- Bank gives you a loan according to the monthly gross of up to 80%.
- If you have already taken a loan. So you will have to repay that loan first. After that you will give that bank loan.
- There are also many banks that loan according to your land.
- If you have a lot of home buying land. So you can easily take a lot of home loan.
- But if you have less land then you will get less loan.
You can get the Bank Name List (Home Loan)
All types of banks can give you a home loan but now we will tell you about some such banks which are very famous banks to give home loan-
- SBI Bank
- HDFC Bank
- LIC Housing Finance
- ICICI Bank
- Axis Bank
- IDBI Bank
- Bank Of India
- PNB
- Bank Of Baroda
- other
These are the banks that will give you a home loan easily. Currently, the interest rate in April 2019 is between 8% -11%. Before taking a home loan from any bank, the interest rate must be known. And the bank will have the lowest interest rate. It would be right to take a home loan from the same bank.
How to Get a Home Loan? How to apply for Home Loan?
Before taking a loan, you have to follow these things-
- First of all, you have to go to the bank from where you want to take a home loan.
- After that, you have to understand the process of the loan and ask them how much loan you can give to us.
- After asking all this, if you get that much loan. Take as much loan from you as you want
- If you want to know about another home loan. Then you can do that too
- After that you will have to ask about the rate of interest, if you like interest, then take a loan from there.
- You also have to ask them how much kist you will get every month and how long the loan has to be paid, how many years will the vagina have to be repaid
- After doing this, you have to fill an online form or offline form
- While filling the form, carefully enter your name address correctly
- Fees for filling forms in many banks are also charged.
- After that, you leave all the work on the bank hair
Documents required for taking a home loan
Every bank asks for different types of documents to apply and we have given below some very important documents-
- 5 Passport size photograph
- You will have to give your own Aadhar card , PAN card, Voter ID card, Driving license
- Where your house is, it should have full address
- You should have a copy of state subject and monthly income
- You must have a certificate of the work you do
- You should have a passbook of the bank in which you are applying for the loan, along with 6 months entry.
If you take all these documents with you, then you will get a home loan easily.
Benefits of Home loan [Home Loan के लाभ]
You will get many benefits of taking a home loan such as-
- You can make the best home of your choice.
- There will be no shortage of money.
- Interest will get you well
- In 10 years, you can repay the loan and if you have more money then you can repay the loan by giving those money in the bank.
- There will be no need to borrow.
How do I expect a home loan? How to get home loan? You will have got help by reading this information. If you do not want to go round the bank, you can also take a loan through any agent. You can meet him personally and take complete information.
You can get loan approval soon. But in return the agent also takes Charge. Or if you want, you can get the information about Home Loan by making a free call on Bank Customer Care. How to get a home loan? Have some questions about it. So we can also ask by commenting below. And share to friends, of course.