Make your dream home hassle free
From the ancient time, we think that home is our safest shelter. Everyone dreams of a new home with the modern luxuries. In today’s world, it is not so easy to get home within the blink of eyes. Lifestyle has changed a whole different cup of tea to experience. Due to Socio-economic shifts, cost of living is rising rapidly.
The increasing price of residential accommodation has made the home loans so much popular all over the world. Home Loans are the loans which are designed for those people who are in urgent need of money for building construction, home renovation, purchasing a new house or property. These loans are fully secured loans. There are many options for salaried persons to opt home loan now non-salaried persons can get a home loan hassle free.
- Documentation and paper work The person applying for a housing loan has to fill the documentation that contains application with certain terms and conditions. There are different types of documentation for self employed, salaried and non-salaried persons. It includes income proof, salary slips from salaried persons and some additional documents by self employed. Besides it, they can ask for profit and loss, balance sheet approved by certified character accountant.
- Procedure for loan If you convince your banker that your business is in a good position then, you can get a home loan easily. There will be a simple meeting between you and proprietors that they will get an insight on your business before lending you Loan.
- Self employed persons The process of loan is less hectic for salaried professionals as compare to self employed professionals because no question of ambiguity arises and income standard is used in financial statements. Instead of it, banks believe that the qualified professionals like doctors, engineers may land to high sound paying jobs in their poor situations.
- Qualified Professionals It is easy to get a loan for a qualified professional because of the steady income. Income tax records and credit history play an important role in applying for a loan. Having a good credit score history in the market is beneficial in getting a loan.
- Proprietary Concern First thing to consider for a loan is that you will have to make sure you have a certificate under Shop and Establishment Act. Many more documents like profit & loss and balance sheets statements, list of important and reputed clients.
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