Ghar Baithe Bank Se Home Loan Kaise Le: Take a Loan From any Bank to Build a House. – If you are also thinking of taking a loan to build a new house. So there is very good news for you. If you all are building a new house. There is a lack of money to build a house. Or there is a decrease in the money being spent in the house. So in such a situation, we want to tell all of you. That you people can easily take loan from any bank to get your house built. And the process of taking a loan is quite easy. You can take it sitting at home. How can you take home loan sitting at home and in just one click, that too from your mobile phone. We will tell you its complete information in this post. So today definitely read the information given in this new post of ours from beginning to end.
What Is Home Loan?
You tell all the brothers for information and explain that now home loan facility is made available to their customers by many banks. So that if there is a need for a home loan regarding the difficulty faced by any consumer in building a house. Now you can easily take loan from the bank. And this facility is being given by many banks. Then whether your bank account is in Bank of Baroda or many other banks including HDFC Bank, State Bank of India, ICICI Bank and Punjab National Bank are providing this facility to their customers. In this post, we will further tell you how you will get a home loan and what are its procedures. (Ghar Baithe Bank Se Home Loan Kaise Le)
- Read More – How to take loan from Bank of Baroda
Ghar Baithe Bank Se Home Loan Kaise Le – Overview
|Processing fee||1% – 2% of the loan amount|
|Foreclosure/Prepayment Fee||For floating rate: Nil|
|For Fixed Rate: Around 2% – 4% on the outstanding principal amount|
|Outstanding Fees on EMI||2% p.m. of the EMI that has not been paid.|
|EMI bounce charge||Around ₹400|
|Legal fees||According to actuals|
Home Loan How Much Interest is Given on The Loan
- Home Loan Interest Rates offered by Top Label Banks / Housing Finance Companies (HFCs) in India
|Bank / Loan Institution||Interest Rates (per annum)|
|SBI Bank||8.45% – 10.20%|
|HDFC Bank||8.40% – 10.35%||Apply Now|
|ICICI Bank||8.40% – 9.50%||Apply Now|
|Bank of Baroda||8.50% – 10.25%||Apply Now|
|Union Bank of India||8.25% – 10.35%||Apply Now|
|Axis Bank||8.60% – 12.70%|
|Kotak Mahindra Bank||8.30% Starting from||Apply Now|
|LIC Housing Finance||8.30% – 10.40%||Apply Now|
|Federal Bank||8.37% – 9.70%||Apply Now|
|Bajaj Housing Finance||8.20% Starting from||Apply Now|
|IDFC First Bank||8.45% Starting from||Apply Now|
|PNB Housing Finance||8.50% – 13.00%||Apply Now|
|Tata Capital||8.60% Starting from||Apply Now|
|Home First Finance||8.00% – 18.00%||Apply Now|
|L&T Housing Finance||7.70% – 8.70%||Apply Now|
|Standard Chartered Bank||7.55% Starting from|
How to Get Home loan? How to Take Home Loan?
For your information, let us tell you that this year almost all banks and many housing finance companies give home loans through HFCs to buy a house, flat or land. You also get the facility of loan. Home loan is provided for up to 30 years on the basis of applicant’s credit score, loan amount, loan to value (LTV) ratio, monthly income, profile, employer / company profile etc. The home loan amount ranges from 75% to 90% of the home property value, depending on the credit profile of the customer and the LTV ratio decided by the banks/lending institutions. By visiting Paisabazaar.com, you can go through home loan interest rates and other facilities offered by top banks and HFCs. And find the best loan provider for you. To take and apply for a loan on Paisabajar, (Ghar Baithe Bank Se Home Loan Kaise Le)
The whole process is digital i.e. online. And you can take loan sitting at home. So let’s know how the whole process is.
The interest rates offered by other banks and HFCs are as follows.
|Bank / Loan Institution||Interest Rates (per annum)|
|Punjab National Bank||8.20% – 8.90%|
|Canara Bank||8.55% – 13.35%|
|Bank of India||8.30%-10.25%|
|Indian Bank||8.40% – 9.45%|
|Indian Overseas Bank||8.50% – 10.55%|
|Bank of Maharashtra||8.00%-10.45%|
|UCO Bank||8.40% – 8.60%|
|bandhan bank||8.30% – 14.00%|
|Punjab And Sind Bank||8.25% – 9.35%|
|South Indian Bank||9.25% – 12.00%|
|Rbl Bank||9.70% – 13.00%|
|Karnataka Bank||8.24% – 9.59%|
|Indiabulls Housing Finance||8.95% Starting from|
|Karur Vysya Bank||8.05% – 10.25%|
|Dhanlaxmi Bank||8.60% – 9.75%|
|Tamilnad Mercantile Bank||8.30% Starting from|
|Repco Home Finance||8.30% Starting from|
|GIC Housing Finance||8.10% Starting from|
|Aditya Birla Capital||8.50% – 13.50%|
|ICICI Home Finance||9.20% Starting from|
|Home First Finance||8.00% – 18.00%|
|Godrej Housing Finance||7.99% – 10.99%|
|L&T Housing Finance||7.70% – 8.70%|
|HSBC||8.35% – 9.20%|
How Many Home Loan Types? , Home loan interest rate:
For your information, let us tell you that the facility of loan is given to the customer in view of many issues by many banks and loan giving institutions. How tax interest rates work in home loan. How many types of home loans are there? Next, we have given you complete information step by step. So you must read from beginning to end Bank loan institutions provide home loans for different purposes. (Ghar Baithe Bank Se Home Loan Kaise Le)
How to take home loan? Steps to take home loan:
Before applying for any type of loan first of all, it should be known for what we need the loan. You can apply for home loan online only after knowing all this for what your need is. Because there is a lot of process and condition in home loan. It is very important for you to read and understand it properly, then read it and take a home loan!
1 ~ Home purchase lone :- This loan is taken for buying under-construction property and pre-owned home, resale property. This loan is the most common home loan. As per RBI guidelines, banks, lending institutions offer home loan amounts up to 75-90% of the property value.
2 ~ Composite loan :- This loan is for those individuals who are living or want to do or want to buy a property. In this type of home loan, the loan is given to buy a plot, the first installment is transferred. Then, as the progress of the house progresses, you keep getting the loan amount. You keep making
3 ~ Home Construction Loan :- This loan is for those individuals who need money to construct a new house. This loan is given only when you already have land to build a house and want to build a new house on it. Only then you will be given a friend loan.
4 ~ Home Renovation / Improvement Loan :- This loan can be taken to meet the expenses related to the repair of the existing house. The interest rate for this loan is the same as that of a regular home loan. However, its loan tenure is shorter than that of a regular home loan.
5 ~ Home Extension Loan :- This loan is for those who need funds to add additional space to their home. In simple language, you can understand that this loan is given for the construction of a new room and is suitable for those people who want to sell the existing house and buy a new house from the amount received from it. You can avail a bridge loan to cover the difference between the selling and buying amount. This loan is very good.
6 ~ Interest Saver Loan :- The home loan facility under this loan is the same. In this the home loan account is linked to his bank account. Any amount deposited in the bank account over and above the EMI amount is used as prepayment of the loan. Thus, the interest amount is also saved. This loan is very cheap and good.
Home Loan Kaise Le?
As we told all of you that home loan facility is provided by all banks and lending institutions for different purposes in different ways. So whichever bank you want to take a loan from, you can check out by visiting the official website of that bank. And you can get complete loan related information! You can also do online after being online you will be put in the bank account of both. (Ghar Baithe Bank Se Home Loan Kaise Le)
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- Ghar Baithe Bank Se Home Loan Kaise Le:
- Take a Loan From any Bank to Build a House.
(Ghar Baithe Bank Se Home Loan Kaise Le) (Ghar Baithe Bank Se Home Loan Kaise Le) (Ghar Baithe Bank Se Home Loan Kaise Le)