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Sajan Thomas
Service Provider | Ernakulam, Kerala
What is Home Loan?
Home loan is a form of secured loan that is availed by a customer to purchase a house. The property can be an under-construction or a ready property from a developer, purchase of a resale property, to construct a housing unit on a plot of land, to make improvements and extensions to an already existing house and to transfer your existing home loan availed from another financial institution to HDFC. A housing loan is repaid through equated monthly installments (EMI) which consists of a portion of the principal borrowed and the interest accrued on the same.
#Mob 7510385499
#website www.homeloanadvisor.in
#Email loan@homeloanadvisor.in
#WhatsAppNo 7510385499
#HDFChomeloan #PersonalLoanBank #PlotLoan #construction #businessloan #loan #LICHFL
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Sajan Thomas
Service Provider
WHAT IS HOME LOAN?
Home loan is a form of secured loan that is availed by a customer to purchase a house. The propertycan be an under-construction or a ready property from a developer, purchase of a resale property, to construct a housing unit on a plot of land, to make improvements and extensions to an already existing house and to transfer your existing home loan availed from another financial institution to HDFC. A housing loan is repaid through equated monthly installments (EMI) which consists of a portion of the principal borrowed and the interest accrued on the same.
Mobile: 7510385499, 8848596497
Email : loan@homeloanadvisor.in
Website : www.homeloanadvisor.in
Sajan Thomas
Service Provider
Home Loan Key Features
• Home Loans for purchase of a flat, row house, bungalow from private developers in approved projects
• Home Loans for purchase of properties from Development Authorities such as DDA, MHADA etc
• Loans for purchase of properties in an existing Co-operative Housing Society or Apartment Owners' Association or Development Authorities settlements or privately built up homes
• Loans for construction on a freehold / lease hold plot or on a plot allotted by a Development Authority
• Expert legal and technical counselling to help you make the right home buying decision
• Integrated branch network for availing and servicing the Home Loans anywhere in India
• Special arrangement with AGIF for Home Loans for those employed in the Indian Army. To know more, click here
• The Pradhan Mantri Awas Yojana (PMAY) (URBAN)-Housing for All was a mission that was launched by the Government of India with the aim of boosting home ownership. It aimed at achieving ‘Housing for All’ by
Sajan Thomas
Service Provider
What is the maximum time period allowed for repayment of your home loan?
The maximum repayment tenure depends on the type of housing loan you are availing, your profile, age, maturity of loan etc.
For home loans and balance transfer loans, the maximum tenure is 30 years or till the age of retirement, whichever is lower.
For Home Extension Loans, the maximum tenure is 20 years or till the age of retirement, whichever is lower.
For Home Renovation and Top-Up Loans, the maximum tenure is 15 years or till the age of retirement, whichever is lower.
#mobile 7510385499
#WhatsAppNo 7510385499
#website www.homeloanadvisor.in
#Email loan@homeloanadvisor.in
Sajan Thomas
Service Provider
Can I get an approval for a home loan while I decide which property I should purchase ?
You can apply for a pre approved home loan which is an in-principal approval for a loan given on the basis of your income, creditworthiness and financial position. Generally, pre-approved loans are taken prior to property selection and are valid for a period of 6 months from the date of sanction of the loan.
#mobile #WhatsAppNo 7510385499
#Email loan@homeloanadvisor.in
#website www.homeloanadvisor.in
Sajan Thomas
Service Provider
Types of LIC HFL Home Loan
1- HOME LOAN FOR RESIDENT INDIAN
Home loans or housing loans are available for purchase of underconstruction or ready to move homes. Housing loans can also be availed for construction of own house. The following are eligible for Home Loan from LIC Housing Finance Ltd: 1. All Salaried employees working in Private or Government/Public Organizations. 2. Self-employed individuals.
The following individuals are also eligible under our Griha Suvidha Home Loan: 1. Employees drawing part of salary in cash 2. Salaried employees seeking home loan term beyond retirement. For information on all eligible customers under Griha Suvidha Home Loan click here.
2- HOME LOAN FOR NON RESIDENT INDIAN (NRI)
LIC HFL offers wide variety of home loans for NRIs aspiring to own a house in India. To know more click here.
3- HOME LOAN FOR
A special Housing Loan scheme for First Time Home Buyers by the Government of India. All families having income of Rs 3 lakh to Rs 18 lakh are eligibl
Sajan Thomas
Service Provider
Save your trip to the BANK
We can get most of the things online, please check the facilities below
Looking for a home loan?
Avail best interest rates on your home loan!
APPLY ONLINE
Mob: +917510385499
WhatsApp: https://wa.me/917510385499
Email: loan@homeloanadvisor.in
Web: www.homeloanadvisor.in
Give us a missed call on +91 7510385499
LOOKING FOR A NEW HOME LOAN?
Just give us a Missed Call on +91 7510385499
Our Loan Expert can meet you at your doorstep.
Please share your details to get a call from our Loan Expert!
https://homeloanadvisor.in/contactus
Mob: +917510385499
WhatsApp: https://wa.me/917510385499
Email: loan@homeloanadvisor.in
Visit our website www.homeloanadvisor.in
Sajan Thomas
Service Provider
WHO IS ELIGIBLE FOR HOME LOAN?
Home Loan is an agreement between borrower and the lender (bank or NBFC) that regulates the term of loan. Home loan agents in Kerala provide you a list of options. Loan eligibility criteria for almost all the banks are different but there are some common loan eligibility criteria which borrower has to fulfill to avail home loan from bank or NBFC.
Following are some key important factors which would be checked by bank or NBFC to accept or reject the home loan application:
• Age: At the time of home loan application, applicant must be 21 years or above but not more than 60 or 65 years because repayment of the loan has to be completed on or before 70 or 80 years of borrower age.
• Employment Continuity: Bank or NBFC checks employment continuity of an individual who is applying for home loan. An individual should have 3 years of working experience in the business or employment. A regular source of income, ensure the lender regular repayment of their housing
Sajan Thomas
Service Provider
When does my home loan EMIs start?
EMI's begins from the month subsequent to the month in which disbursement of the loan is done. For loans for under-construction properties EMI usually begins after the complete home loan is disbursed but customers can choose to begin their emi’s as soon as they avail their fist disbursement and their emi’s will increase proportionately with every subsequent disbursement.For resale cases,since the whole loan amount is disbursed in one go,emi on the whole loan amount start from the subsequent to the month of disbursement
Mob 7510385499
loan@homeloanadvisor.in
www.homeloanadvisor.in
Sajan Thomas
Service Provider
Super fast Home Loans
Mob: 7510385499
loan@homeloanadvisor.in
www.homeloanadvisor.in
Sajan Thomas
Service Provider
WHAT IS HOME LOAN?
Home loan is an amount being lent by various banks or NBFC to the individual to buy a house, purchase a plot, construct a house, repair & renovate the house, balance transfer of existing home loan, etc.
Bank or NBFC mortgaged the property and charged EMI (Equated Monthly Instalment) on the loan amount being lent by them. EMI consists of both interest and principal amount, which has to be paid by the borrower to the bank or NBFC. EMI calculation depends upon three factors i.e. (i) Loan Amount, (ii) Loan Tenure, and (iii) Rate of Interest. EMI on loan amount remains same throughout the loan tenure, if rate of interest not changed.
In India, owning a home is one of the key factors of success. There has been a continuous desire to own a home as there is a significant rise in the disposable incomes, particularly in urban and semi-urban areas, tax rebate on repayment of housing loans, declining rate of interest and rises in the nuclear family,. As there is a huge demand,
Sajan Thomas
Service Provider
HDFC Home Loan Benefits
End to End Digital Process.
HDFC’s online home loans provide you the facility to apply for a home loan online from the safety and convenience of your home or office.
Customized Repayment Options.
HDFC offers tailor-made home loans to suit your requirements
Easy & Hassle free documentation.
With minimal documentation, applying for a HDFC home loan is quick and hassle free. Our home loan experts are available to help you in your loan application process and offer you assistance every step of the way.
24X7 Assistance.
Our chat service on our website and WhatsApp are available 24X7 to assist you with your housing loan related queries.
www.homeloanadvisor.in, +917510385499
Manage home loans digitally
Once you avail a HDFC home loan, you can access your home loan account online on our website. You can download account statements, interest certificates, request for disbursement and do much more.
Sajan Thomas
Service Provider
Why HOME LOAN is the right choice for you
Mobile : 075103 85499 8848596497
Email : loan@homeloanadvisor.in
Website : www.homeloanadvisor.in
#hlafinancialservice #hlafinancialservices #lichfldme #lichflstaff #HomeLoanAdvisor #WhereDreamsComeHome #loans #loanapplication #HDFCLtd
Sajan Thomas
Service Provider
Who can be a co-applicant to my housing loan?
All co-owners of the property need to be co-applicants to the house loan. Generally, co-applicants are close family members.
Sajan Thomas
Service Provider
Why Choose HDFC Home Loans?
HDFC offers home loans with EMIs starting from ₹646 per lac and interest rates starting from 6.70%* p.a. Get home loan sanction in just 5 days Tnc and create a space of your own with HDFC Home Loans. Our housing loan is tailor made for salaried individuals as they offer an attractive rate of interest and a longer tenure. HDFC provides you with legal and technical counselling to help you make the right home buying decision. HDFC Housing Loan offers you all online Home Loan solutions if you want to buy, construct or renovate your house. Turn your dream home into reality with HDFC Home Loans With benefits such as a low-interest rate, longer tenure, comfortable home loan EMI and doorstep service, apply online for an HDFC Home Loan today.
#mobile 7510385499
#WhatsAppNo 7510385499
#Email loan@homeloanadvisor.in
#web www.homeloanadvisor.in
Sajan Thomas
Service Provider
What are the different types of Home Loans available in India?
The following types of Home Loans products are usually offered by Housing Finance Institutions: Home Loans: These are Loans availed for:
1. The purchase of a flat, row house, bungalow from private developers in approved projects;
2.Home Loans for purchase of properties from Development Authorities such as DDA, MHADA as well as Existing Co-operative Housing Societies, Apartment Owners' Association or Development Authorities settlements or privately built up homes;
3.Loans for construction on a freehold / lease hold plot or on a plot allotted by a Development Authority
Plot Purchase Loan: Plot purchase loans are availed for purchase of a plot through direct allotment or a second sale transaction as well as to transfer your existing plot purchase loan availed from another bank /financial Institution.
Balance Transfer Loan: Transferring your outstanding home loan availed from another Bank / Financial Institution to HDFC
Sajan Thomas
Service Provider
HOME LOAN ELIGIBILITY
Home Loan is an agreement between borrower and the lender (bank or NBFC) that regulates the term of loan. Home loan agents in Kerala provide you a list of options. Loan eligibility criteria for almost all the banks are different but there are some common loan eligibility criteria which borrower has to fulfill to avail home loan from bank or NBFC.
Following are some key important factors which would be checked by bank or NBFC to accept or reject the home loan application:
• Age: At the time of home loan application, applicant must be 21 years or above but not more than 60 or 65 years because repayment of the loan has to be completed on or before 70 or 80 years of borrower age.
• Employment Continuity: Bank or NBFC checks employment continuity of an individual who is applying for home loan. An individual should have 3 years of working experience in the business or employment. A regular source of income, ensure the lender regular repayment of their housing loan E
Sajan Thomas
Service Provider
Will interest rate change during home loan tenure?
Your interest rate depends on the type of loan you choose. There are two types of loans:
Adjustable Rate or Floating Rate
In an adjustable or floating rate loan, the interest rate on your loan is linked to your lender’s benchmark rate. Any movement in the benchmark rate will effectuate a proportionate change in your applicable interest rate. The interest rates are reset at defined intervals. The reset can be according to the financial calendar, or they can be unique to each customer, depending on the first date of disbursement.
Combination Loans
A combination loan is part fixed and part floating. Post the fixed rate tenure, the loan switches to an adjustable rate.
#mobile #WhatsAppNo 7510385499
#Email loan@homeloanadvisor.in
#website www.homeloanadvisor.in
Sajan Thomas
Service Provider
വീട് എന്ന സ്വപ്നം സാക്ഷാൽക്കരിക്കൂ Housing ലോൺ എടുക്കുന്നതിൽ കൂടി
വാങ്ങാൻ ഉദ്ദേശിക്കുന്ന പ്രോപ്പർട്ടി യുടെ 90% ലോൺ തരുന്നു
@ പ്ലോട്ട് മാത്രം വാങ്ങാൻ ലോൺ
@ പ്ലോട്ട് വാങ്ങി വീട് പണിയാൻ ലോൺ
@ പ്രോപ്പർട്ടി ഉള്ളവർക്ക് വീട് വെക്കാൻ ലോൺ
@ വീട് പുതുക്കിപണിയാൻ ലോൺ
@ വീടിന്റെ അറ്റകുറ്റ പണികൾക്ക് ലോൺ
പ്രോപ്പർട്ടി against പേർസണൽ ലോൺ
പ്രോപ്പർട്ടി വെച്ചുകൊണ്ട് പേർസണൽ, ബിസിനസ് ആവശ്യങ്ങൾക്ക് ലോൺ.. പ്രോപ്പർട്ടിയുടെ 75% ലോൺ ചെയ്യുന്നു.. ബിസിനസ്കാർ ഇൻകം tax അടച്ചിട്ടുള്ളതാവണം. സാലറി അക്കൗണ്ട് ത്രൂ ഉള്ളവർക്കും ഈ ലോൺ ലഭിക്കുന്നു.
ടേക്ക് ഓവർ ലോൺ
സഹകരണ ബാങ്ക്, സൊസൈറ്റി, അർബൻ ബാങ്ക്, hdfc,LICHFL, sreeram finance,bajaj finance, axis bank തുടങ്ങി എല്ലാ ബാങ്കിലും ഉള്ള ലോണുകൾ ടേക്ക് ഓവർ ചെയ്തു പലിശ കുറവിൽ കൂടുതൽ ലോൺ അനുവദിച്ചു തരുന്നു ( മുടക്കം ഇല്ലാത്തത് )
• പ്രോപ്പർട്ടിയുടെ 90% ലോൺ തരുന്നു
• 30 വർഷം വരെ തിരിച്ചടവ് കാലാവധി
പ്രൈവറ്റ് കമ്പനി വർക്കേഴ്സ് ( അക്കൗണ്ട് ത്രൂ സാലറി ), govt ജീവനക്കാർ, ബിസിനസ്കാർ, NRIs, ചെറുകിട കച്ചവടക്കാർ, self employed എന്നിവർക്ക് ഈ ലോൺ ലഭിക്കുന്നു.
7510385499
Sajan Thomas
Service Provider
HDFC Home Loan Benefits
End to End Digital Process
HDFC’s online home loans provide you the facility to apply for a home loan online from the safety and convenience of your home or office.
Customized Repayment Options
HDFC offers tailor-made home loans to suit your requirements
Easy & Hassle free documentation
With minimal documentation, applying for a HDFC home loan is quick and hassle free. Our home loan experts are available to help you in your loan application process and offer you assistance every step of the way.
24X7 Assistance
Our chat service on our website and WhatsApp are available 24X7 to assist you with your housing loan related queries.
Manage home loans digitally
Once you avail a HDFC home loan, you can access your home loan account online on our website. You can download account statements, interest certificates, request for disbursement and do much more.
Mob: 7510385499
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