A home loan or housing loan is an amount borrowed by individuals for a fixed tenure from financial institutions to buy, construct, repair or renovate a residential property. The Bank/NBFC charge an interest on the amount borrowed, which has to be paid by the borrowers along with the principal amount which is termed as Equated Monthly Installment (EMI).
The bank provides home loan to the borrower on certain terms and conditions .Banks/ NBFC get the property valued independently and provide the loan on the basis of re-payment capacity of the borrower, also considering the property value and the agreement/Registry amount of the property being purchased.
Your Home loan eligibility is determined after looking at the following:
- Aadhaar Card
- PAN Card
- 4 Cheques from your Salary Account
- Current Address Proof
- Permanent Address Proof
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