Life me ek apna home banana/ hona har kisi ka dream hota hai, Par aaj ke time me badhate prices ke bich saving money se manchaha home buy kar pana behad mushkil hai.
But aap Home Loan se is dream ko fulfil kar sakte hai, vo bhi badhate prices se apne aap ko bachakar, yadi aap thodi si samjhadari dikhate hai to. Ye behad hi simple hai. jise aage jante hai
Table of Contents
Home Loan Ke Apply Kaise Kare 
Simply home loan ke aise person apply karte hai to jinhe new home/ flat buy / banana hota hai ya old home ko repair karane ki jarurat hoti hai. Aise jaruratamand persons ke liye banks or financial institutions kuch interest rate par loan provide karti hai.
Type of Home Loan
Basically Home loan ke two type hote hai –
1.New Home / Flat buy karane liye loan lena, isme new home ka nirman bhi included hai.
2.Old Home ko repair karane ke liye loan lena.
Home Loan Interest
Interest ke base par Home loan two type ke hote hai
1.Fixed Interest Wala Loan – Is tarah ke loan ke interest rate loan expiry tak same rahta hai. Is loan se sabse bada benefit hai ki aap present badhati mahangai se bach sakte hai.
2.Floated Interest Wala Loan – Is tarah ke loan ki interest rate every quarter me RBI dvara jari instruction ke according set hoti hai yani changes hoti rahti hai. Is tarah ke loan se aap kuch money save kar sakte hai, but vahi interest rate increase hone par jyada EMI bhi pay karana pad sakta hai.
Home Loan Eligibility
Every Bank or Financial institution kisi bhi person ko loan dene se pahle achchi tarah se enquiry karti hai ki loan lene vala person loan pay karane ki capacity rakhta hai ki nahi. Jiske liye in chizon ki enquiry karti hai
Financial Status – Bank or Financial Institution Income and property ke base par loan provide karti hai, isliye vo salary slip and bank statement check kar sakti hai.
Job Status – Yadi aap salaried person hai to bank aapke two year ka record check karega, but yadi aap self employed hai to 5 years ka records check kar sakta hai.
Credit History – Loan dene se pahle bank loan applicant ka credit history jarur check karta hai, kuch kami pane par loan dene se mana bhi kar sakti hai.
Age – Loan ke liye minimum eligible age 18 and maximum eligible age 60 years hai.
Self Assessment (Kitne Loan Le Sakte Hai)
Aap kitna loan le sakte hai ya kitna mil sakta hai. Ye kai factor par depend karta hai.
1.Cost of Home – Bank / Financial Institution always home cost ka 70-80% amount tak hi loan deta hai, baki aapko payment karana hoga.
2.Size of EMI– Aap per month kitna EMI pay kar sakte hai, uspar loan ki amount depend karta hai, but dhyan rakhe EMI salary se 40-45% se jyada nahi hona chahiye.
3.Loan Period – Yah baat achche se jan le loan long time ka hoga to short term loan ke compare jyada interest pay karana hoga.
Document Requirement
1.Identity Proof
2.Address Proof
3.Age Proof
4.Educational Certificates
5.Income Proof
6.Employment Details
7.Property Details
8.Bank Statement
Home Loan Process
1.Aapko jis bank se loan lena hai, us bank ke executive se bat kare.
2.Loan ke liye Forum fill up kare.
3.Forum submit karte time processing fees pay kare, jo 0.25% se 1% ho sakti hai.
4.Bank officer aapke dwara submitted document ke base par aapki property or other details ki physical verify karega.
5.Fir Bank aapke income & bank statement ki calculation karega, uske 30% ko bank saving manata hai, uske based par loan provide karega.
6.Sabkuch sahi hone par Bank Lawyer dwara aapke property ki legal verification karega. Jise lawyer ek report ke rup me bank ko hand over karega
7.Ab Bank aapke Property ki marketing value calculate karega. Uske marketing price ka 70-80% ke equal loan amount provide karega., jiske liye bank Loan Acceptance Letter issue karega.
Jispar sign hote hi terms ke according loan amount dwara provide kiya jayega.
FAQ
1.Kya Loan lene ke liye fees pay karana hota hai?
Yes, bank se loan lene ke liye fees pay karana hota hai, jise processing fees kahte hai. Yah 0.25%-1% ho sakti hai.
2.Kya Loan amount ek sath pa sakte hai?
Ha, but aap chahe to home making stage ke base par bhi loan le sakte hai.
3.Kya loan ko dusre bank/financial institution me transfer kar sakte hai?
Yes, but certain formalities fulfil karana hoga.
4.Home loan se kya benefit hai?
Home loan se current mahangai, income tax aur increased interest rate se bach sakte hai.
5.Home Loan se kya loss hai?
Yadi aapne floating interest rate vala loan le liye hai to interest rate badhane par aapko jyada EMI pay karana hoga. And agar aap regular 3 month tak loan ki ek bhi EMI pay nahi kar paate hai to Bank aapko defaulter declare kar sakta hai aur aapke property ko sell kar sakti hai.
If you find the post helpful, please share on Facebook, Twitter, Whatsapp and Google Plus.
Marksheet Loan Kaise Le [10/12th Marksheet Loan]
LIC Se Online Loan Kaise Le & Payment Kare?
Money View App Se Loan Kaise Le ? [In Two Hours]
[Best 2 तरीके] Home Credit Loan के लिए Apply कैसे करे
Leave a Reply