Tips to Save Money and repayment on Home Loan.

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All About Home Loan.


 Save Money and repayment on Home Loan.

Home is a not mere a place for living and spending your whole life. It is a place of heaven where one can see his family grow. Owning a home is one of the biggest achievements of life. Sometimes when you are not financially sound, Home Loan is one such option that helps in fulfilling to own dream home of your choice.


When you avail Home Loan, it is mandatory that you repay the whole amount in time to the bank.


Here are some of the facts that will help you to repay the loan amount:


  • With the availability of different financial institutions consumers have better options of Home Loan to fulfill the desire of owning a home. Though this loan scheme helps in fulfilling the dream, but it can also become a burden if not repaid on time.
  • To simplify the process of repayment of home loan, RBI(Reserve Bank of India) has directed all of the Financial Institutions to take away all of the floating rate penalties and to apply the original interest rates. Consequently, the penalty fees have been removed, and this has provided the option for an individual to save on repaying the house loan.
  • To further soften the loan process, lenders have also started offering this loan scheme on prepayment basis. In this system one can deposit an additional amount in his / her bank account.  In return,  this will lower the loan Tenure and the interest rate.
  • If  you do want to disrupt your budget with EMI’s, you can link your home loan amount with your salary so that banks can easily withdraw the loan amount from your salary.

These prepayment offers are available in many banks like State Bank of India, HSBC, Standard Chartered Bank and many more.



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