Home Loan: होम लोन कैसे मिलता है – Home Loan Kaise Le

Namaskaar doston aaj ham is blog post mein jaane ge homai loan ke baare mein | homai loan kya hota hai, homai loan kaise se, homai loan mein kaun – kon se daakyooments lagate hai, to ham is post mein step too step jaane ge saaree baat |

Home Loan Road Map

१.) Finalize Property

२.) Loan Application

३.) Due Diligence By Bank)

४.) Credit Appraisal & Loan Sanction

५.) Loan Agreement

६.) Offer Letter & Acceptance

७.) Sale Deed & DD Handover

८.) Possession

Step १ – Loan Application

१.१ Enquiry

Compare Interest Rates Online

सबसे पहले तो आप लोग चेक करे गे की कौन से बैंक आपको कम ब्याज पर लोन दे रही है इसके लिए आप ऑनलाइन बहुत सारी वेबसाइटो से इसके बारे में पता लगा सकते है |

Make An Enquiry Online Or Directly At Bank

Negotiate Lowest (Best Possible) Interest Rate

Negotiate Lowest Interest Rate उन लोगो को ही मिलता है जिनका Credit Score अच्छा होता है और इनकम देखी जाती है

१.२ Processing Fee & Other Charges

Processing Fee: ०.२५% – १% Of Loan Amount

Legal & Technical Due Diligence Charges

Step १.३ – Documents

१.) Application Form With Photograph Duly Signed

२.) Identity, Residence And Age Proof

३.) Last ६ Months Bank Statements

४.) Last ३ Month Salary-Slips

५.) Processing Fee Cheque

६.) Form १६ / Income Tax Returns

७.) Proof Of Business Existence

८.) Business Profile

Step २ – Due Diligence By Bank

२.१) Financial Check

Bank Statements Scrutinized For:

Transactions – Business Activity, Saving, Credit, Investing

Average Bank Balance

Cheque Returns And Cheque Bounces

Other Loans And Liabilities

Net Income To Calculate Loan Eligility

CIBIL Score – Credit & Repayment Record

२.२) Field Investigation

Verification Of Residential Address, Contact Details

Employer Credentials – Company Address, Industry, Organization Stability

Physical Visits Will Be Made By Bank Representatives

२.३) Physical Visit To Property – Assess Condition, Construction Quality, Encroachments etc.

Property Valuation – By An Approved Valuer

Additionally For Under – Construction Property

Stage Of Construction And Satisfactory Progress

Quality Of Construction

Approved Layouts And Building Plans

२.४) Legal Due Diligence

Title Check – Legal  Ownership And No Encumbrances

Property Documents – Title Documents (Sale Deed), Possession Certificate, Agreement For Sale

Under-Construction – Land Title Check Of Builder, Allotment Letter, Builder-Buyer Agreement, Check If Project Already Approved (APF Code).

To doston maine aapako aaj homai loan ke baare mein jaanakaaree dee hai ummeed karata hu aapako sab samajh aa gaya hoga is post ko laik kere sheyar kare aapake itane keematee samay mein se samay nikaal kar padhane ke lie dil se sukriya |

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