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About Home Loan?

Home Loan is a Secured Loan offered against the security of a house/property which is funded by the bank's loan, the property could be a personal property or a commercial one. The Housing Loan is a loan taken by a borrower from the bank issued against the property/security intended to be bought on the part by the borrower giving the banker a conditional ownership over the property i.e. if the borrower is failed to pay back the loan, the banker can retrieve the lent money by selling the property.

  • Documents Required
  • Benefits of Home loan
  • Intrest Rates
  • EMI Cal

Generally the documents required to processing your loan application are almost similar across all the banks; however they may differ with various banks depending upon specific requirement etc. Following documents are required by financial institutions to process the loan application:-

   » Address Proof.
   » Income Proof of the applicant & co-applicant.
   » Last 6 months bank A/C statement.
   » Passport size photograph of the applicant & co-applicant.
In case of Salaried:-
   » Employment certificate from the employer.
   » Copies of pay slips for last 3 months and TDS certificate.
   » Latest Form 16 issued by employer.
   » Bank statements.
In case of Self-employed:-
   » Copy of audited financial statements for the last 3 years.
   » Copy of partnership deed if it is a partnership firm or copy of memorandum of association and articles of association if       it is a company.
   » ITR for last 3 years.

There are various steps involved in getting a Home Loan from selecting your property to filling up the loan application. Following are the various stages in Home Loan:-

» Wide range of product to choose from
» Guidance through out the process making home buying hassle free
» Doorstep service at your comfort
» Flexible repayment options
» Simplified documentation
» Insurance options for your home loan at attractive premium
» Bank checks the legal documents
» Signing of agreement & the loan disbursal

Home Loan Rate of Interest
Banks Interest Rate Banks Interest Rate
ICICI Bank 10.10% to 10.15% HDFC Bank 10.25%
State Bank Of India 10.10% to 10.15 % LIC Housing 10.20% to 11.25%
AXIS Bank 10.25% IDBI 10.25%
Standard Chartered 10% to 10.25% Citibank 10.25% to 10.50%
India Bulls 10.25% to 11% Allahabad Bank 10.20% to 10.45%
Union Bank of India 10.25% UCO Bank 10.20%
Punjab National Bank 10.25% OBC 10.25%

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