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Sajan Thomas

Sajan Thomas

Service Provider | Ernakulam, Kerala

What is the maximum home loan that I can obtain? You are required to pay 10-25% of the total property cost as ‘own contribution depending upon the loan amount. 75 to 90% of the property cost is what can be availed as a home loan. In case of construction, home improvement and home extension loans, 75 to 90% of the construction/improvement/extension estimate can be funded. #HDFChomeloan #PersonalLoanBank #PlotLoan #construction #businessloan #loan #homeloans #purchaseahome #LICHFL #DCBBank #Mobile 7510385499 #web www.homeloanadvisor.in #Email loan@homeloanadvisor.in
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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
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
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
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
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,
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,
Detailed estimate can be used to know the cost of your house and also for home loans basic rates 3000 for upto 20lakhs and an additional charge of 100/lakh for above 20 lakh
Detailed estimate can be used to know the cost of your house and also for home loans basic rates 3000 for upto 20lakhs and an additional charge of 100/lakh for above 20 lakh
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
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
WHY TAKE HOME LOANS? In India, real estate is the second largest employer after agriculture and is slated to grow at 30% over the next decade. The Indian real estate market is expected to touch US$ 180 billion • Rented House to Own House: If you are residing in a rented house, then it is always advisable to take a home loan and shift to your owned house. Rent will compensate your EMI (Equated Monthly Installments) and this will also give you capital appreciation. Investment in the property by taking housing loan will not only give capital appreciation but also peace of mind, social respect and recognition. • High Property Price: As price of the property is very high and buyer may not be having all the amount, bank or NBFC are there to lend you money in the shape of housing loan for which they charge interest on the loan amount. • Income Tax Rebate on Home Loan Interest Payment: As per Income Tax Act 1961, If you are paying housing loan EMI, which consists interest and principal com
WHY TAKE HOME LOANS? In India, real estate is the second largest employer after agriculture and is slated to grow at 30% over the next decade. The Indian real estate market is expected to touch US$ 180 billion • Rented House to Own House: If you are residing in a rented house, then it is always advisable to take a home loan and shift to your owned house. Rent will compensate your EMI (Equated Monthly Installments) and this will also give you capital appreciation. Investment in the property by taking housing loan will not only give capital appreciation but also peace of mind, social respect and recognition. • High Property Price: As price of the property is very high and buyer may not be having all the amount, bank or NBFC are there to lend you money in the shape of housing loan for which they charge interest on the loan amount. • Income Tax Rebate on Home Loan Interest Payment: As per Income Tax Act 1961, If you are paying housing loan EMI, which consists interest and principal com
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.
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.
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
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
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
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
*Detailed estimate* Detailed estimate can be used to know the cost of your house and also for home loans basic rates 3000 for upto 20lakhs and an additional charge of 100/lakh for above 20 lakh #signaturesinfrastructures
*Detailed estimate* Detailed estimate can be used to know the cost of your house and also for home loans basic rates 3000 for upto 20lakhs and an additional charge of 100/lakh for above 20 lakh #signaturesinfrastructures
₹3,000Labour Only
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
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
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
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
What is part/subsequent disbursement of a home loan? HDFC disburses loans for under construction properties in installments based on the progress of construction. Every installment disbursed is know as a 'part' or a 'subsequent' disbursement. #WhatsAppNo #mobile 7510385499 #loan loan@homeloanadvisor.in
What is part/subsequent disbursement of a home loan? HDFC disburses loans for under construction properties in installments based on the progress of construction. Every installment disbursed is know as a 'part' or a 'subsequent' disbursement. #WhatsAppNo #mobile 7510385499 #loan loan@homeloanadvisor.in
What is PMAY Scheme and how it can benefit Home Loan buyers? 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. The PMAY scheme caters to Economical Weaker Section (EWS)/Lower Income Group(LIG) and Middle Income Groups (MIG) of the society, given the projected growth of urbanization & the consequent housing demands in India. Benefits: Credit Linked Subsidy Scheme (CLSS) under PMAY makes the Home loan affordable as the subsidy provided on the interest component reduces the outflow of the customer on the home loan. The subsidy amount under the scheme largely depends on the category of income that a customer belongs to and the size of the property unit being financed. #mobile #WhatsAppNo 7510385499 #Email loan@homeloanadvisor.in #website www.homeloanadvisor.in
What is PMAY Scheme and how it can benefit Home Loan buyers? 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. The PMAY scheme caters to Economical Weaker Section (EWS)/Lower Income Group(LIG) and Middle Income Groups (MIG) of the society, given the projected growth of urbanization & the consequent housing demands in India. Benefits: Credit Linked Subsidy Scheme (CLSS) under PMAY makes the Home loan affordable as the subsidy provided on the interest component reduces the outflow of the customer on the home loan. The subsidy amount under the scheme largely depends on the category of income that a customer belongs to and the size of the property unit being financed. #mobile #WhatsAppNo 7510385499 #Email loan@homeloanadvisor.in #website www.homeloanadvisor.in
Our Services Come Completely Free of Cost The satisfaction of our valued customers is the reward we seek. We are here to make your Loan experience smooth and hassle free. Mobile : 075103 85499, 8848596497 Email : loan@homeloanadvisor.in Website : www.homeloanadvisor.in
Our Services Come Completely Free of Cost The satisfaction of our valued customers is the reward we seek. We are here to make your Loan experience smooth and hassle free. Mobile : 075103 85499, 8848596497 Email : loan@homeloanadvisor.in Website : www.homeloanadvisor.in
WHAT ARE THE TYPES OF HOME LOAN? Type of home loan depends upon types of property, an individual want to purchase. As per the need of the customer banks or financial institution come up with different types of home loan finance company in Kerala NCR products at lower rate of interest. As per the need of the customer bank or financial institution provides different types of home loan. Each housing loan product has its unique feature and advantage, so it is always advisable to consult with a professional consultant before taking a home loan. A professional consultant will save your time and money both, If you need a professional guidance then contact HOME LOAN ADVISOR home loan provider in Kerala NCR. We are always with you. Home Loan can be classified into following ways: • Home Loan For Ready To Move In House: When an individual buying a ready to move in house or flat from any authority, builder, seller or any other legal body then HOME PURCHASE LOAN provided by the bank or NBFC.
WHAT ARE THE TYPES OF HOME LOAN? Type of home loan depends upon types of property, an individual want to purchase. As per the need of the customer banks or financial institution come up with different types of home loan finance company in Kerala NCR products at lower rate of interest. As per the need of the customer bank or financial institution provides different types of home loan. Each housing loan product has its unique feature and advantage, so it is always advisable to consult with a professional consultant before taking a home loan. A professional consultant will save your time and money both, If you need a professional guidance then contact HOME LOAN ADVISOR home loan provider in Kerala NCR. We are always with you. Home Loan can be classified into following ways: • Home Loan For Ready To Move In House: When an individual buying a ready to move in house or flat from any authority, builder, seller or any other legal body then HOME PURCHASE LOAN provided by the bank or NBFC.
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
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
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
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
Why You Should Consider Using Advisor For Your Home Loan A beautiful home is everyone's dream, but to make that dream come true is not an easy job. However, a home loan is one of the easiest ways to make that dream of yours come true. Nowadays, not just the banks provide loans; there are private financiers and home loan advisors. But, the real task lies in finding the right loan so that you do not end up paying more interest making it financially burdensome. So, in order to find the best possible loan, you must seek proper home loan advisor, and do a bit of research. Let us help you understand this better. Consider for a moment that according to 2018, loan advisors made up 30% of household formations. How much of that business did you see? Choosing the right home loan advisor may be one of the biggest decisions you are going to make or break your current struggle for better financial situation. What we discovered is, there are few key ways loan advisors can help buyers realize the d
Why You Should Consider Using Advisor For Your Home Loan A beautiful home is everyone's dream, but to make that dream come true is not an easy job. However, a home loan is one of the easiest ways to make that dream of yours come true. Nowadays, not just the banks provide loans; there are private financiers and home loan advisors. But, the real task lies in finding the right loan so that you do not end up paying more interest making it financially burdensome. So, in order to find the best possible loan, you must seek proper home loan advisor, and do a bit of research. Let us help you understand this better. Consider for a moment that according to 2018, loan advisors made up 30% of household formations. How much of that business did you see? Choosing the right home loan advisor may be one of the biggest decisions you are going to make or break your current struggle for better financial situation. What we discovered is, there are few key ways loan advisors can help buyers realize the d
CAN I GET AN APPROVAL FOR A HOME LOAN WHILE I DECIDE WHICHPROPERTY I SHOULD PURCHASE ? You canapply for a pre approved home loan which is an in-principal approval for a loangiven on the basis of your income, creditworthiness and financial position.Generally, pre-approved loans are taken prior to property selection and arevalid for a period of 6 months from the date of sanction of the loan. 075103 85499, 8848596497 Loan@homeloanadvisor.in Www.homeloanadvisor.in #hlafinancialservice #LICHFL #HomeLoanAdvisor #WhereDreamsComeHome #loans #taxbenefits #housingloan #PlotLoan #housingfinance #investment HLA Financial Services Home Loan
CAN I GET AN APPROVAL FOR A HOME LOAN WHILE I DECIDE WHICHPROPERTY I SHOULD PURCHASE ? You canapply for a pre approved home loan which is an in-principal approval for a loangiven on the basis of your income, creditworthiness and financial position.Generally, pre-approved loans are taken prior to property selection and arevalid for a period of 6 months from the date of sanction of the loan. 075103 85499, 8848596497 Loan@homeloanadvisor.in Www.homeloanadvisor.in #hlafinancialservice #LICHFL #HomeLoanAdvisor #WhereDreamsComeHome #loans #taxbenefits #housingloan #PlotLoan #housingfinance #investment HLA Financial Services Home Loan
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