Kolkata: Many people want to create a house Who else would like a house to be rented.
All the money had to go out of the wallet immediately before buying a house. As a consequence, they will do more to raise funds. But things have changed in recent years.
That's correct. A lot of people are requesting a home loan from a bank or financial institution from a cell phone message box. That's right. In the end, despite so many demands, it is not easy to get a loan.
The creditor wants to see if the individual will repay the loan at all. Staff, particularly government employees, are best placed to receive loans. Over: blank
But this doesn't mean that if you gain income from a company or other means, you can not get a loan. You may also get a home credit In order to obtain a loan, the terms of the bank or financial institution must be understood.
You need to know which documents are required to apply for a home loan.
Staff must submit: Staff
Slip for salary
Form 18 for the last 3 months
3 years last Six-month bank statement
Investment information: life insurance, fixed deposit etc.
Card/Card/Aadhar Card/Aadhar
Card PAN PAN
Bill for electricity/telephone
You must apply if you are a trader:
Tax on revenue
Income Tax Expenditure Over the last three years.
Bank statement Six Months of Savings
Information about investment
Aadhaar Card/Passport/Voter Card/
Card PAN PAN
Bill for electricity/telephone
All these records include details of the borrower's name, address, financial status. Before authorizing the loan, the bank or financial institution then would know all the property details (house/apartment).
It will be seen in this case.
A copy of the agreement with the developer
documents on land transfer and the force of
Land and how the house character can not be
Certificates of land-house tax payment
Land for building houses approved by the municipality
Limit of debt
Now we have to see how much money will be available as loans because the whole of the cost of the house or the apartment, even though you like, is not available as loans.
Approximately 60 to 75% of the mean property price is borrowable Some banks are providing 90% credit It should be borne in mind, however, that a down payment must be made for the purchase of the land, otherwise a loan can not be granted. Be aware that if the duration of the loan is longer, the value of the payment is lower.
It is also true, however, that young people are generally more likely to earn money later, because it is difficult first to compensate, but later it falls significantly. When you take an income-based loan, further loans are not permitted.
The loan will be taken out jointly by a husband-wife team, a mother-son team, and a father-daughter team.Often, the bank is reluctant to offer a loan if you have a very old house or apartment. You then have to do a property evaluation.
Price of interest
In deciding on a loan, the interest rate factor should also be taken into account. Two types of interest are available: fixed or floating The creditor is responsible for deciding what is appropriate.
In addition, some banks sell women home loans and offer a few interest discounts. If you take out a loan on behalf of or jointly with a woman, you should first contact a woman.In this new budget, an extra exemption from tax on interest on home loans is possible.
At Rs 1.5 lakh, taxable income will be deducted from interest on a home loan taken for own living. This time, the amount was increased by two lakh roupies.
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