All about Dena Bank Home Loan Chandigarh
Find the Best Rate On Property Loans:
- Dena Bank Home Loan Chandigarh
Interest Rates – Dena Bank Home Loan Chandigarh
Min Amt : Rs 2 Lacs | Max Amt : Rs 10 Crs
1 Yr to 20 Years
85% of property value
Pre Closure Charges
0 % to 2 % of outstanding loan amount
Find the Best Offer For Dena Bank Home Loan Chandigarh
Apply Online on www.dialabank.com or Call us at 0172 – 600 11 60
Dena Bank Home Loan Chandigarh : Let Dialabank.com help you to find the best offer
- Personalised Service: Our trained Relationship Managers will understand your requirements and your profile and help you find the most suitable Home Loan offer.
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Dena Bank Home Loan Chandigarh : Types of Offers
The Housing Finance Companies (HFCs) now offer individuals with various alternatives to choose from while buying a home loan, and the availability of Home Loans offered is as varied as their requirements.
Home Purchase Loans
Home Extension Loan
Home Construction Loan
Home Conversion Loan
Home Improvement Loan
Land Purchase Loan
NRI Home Loans
Dena Bank Home Loan Chandigarh : Types of Interest
Fixed interest rate Dena Bank Home Loan Chandigarh
- Home loans allow the repayment in fixed equal monthly installments over the entire period of the loan. The interest rates in such a case are fixed and don’t change with market fluctuations. A fixed rate home loan is excellent for those who are good at budgeting and want a fixed monthly repayment schedule, which is easy to budget and doesn’t fluctuate.
Floating interest rate Dena Bank Home Loan Chandigarh
- Home loans are tied up to a base rate plus a floating element thereof. So, if the base rate varies the floating interest rate also varies. If the floating rate goes over the fixed rate, it will be for some period of the loan not for the entire tenure. The interest rates will surely fall over a long period and thus floating interest rate brings a lot of savings.
Dena Bank Home Loan Chandigarh : Eligibility Criteria
When computing loan eligibility, banks take into account the applicants age, salary, repayment/credit history, savings, profession, property location, and other loans. Some professions are categorized as negative or risky by the lenders while some jobs fall in the preferred list. As a thumb rule, the EMI for your home loan must not exceed 40 percent of your gross monthly income.
Dena Bank Home Loan Chandigarh : Following are other factors helping in evaluation of home loan eligibility
- Nature of Job : Most home financing companies carry a list of ‘negative’ professions. This can cause a lot of hassles for the individual coming from such professions before being finally getting the loan amount
- Property Location : Likewise, they may consult another list known to carry ‘negative areas’. Any individual applying for the loan to get a home in such areas may not be granted the loan by home finance companies. The same is the case with the property falling within the geographical limits as defined by the home financing institutions.
- Personal Details of individual: Personal details of the individual are another factor that is taken into account by home finance companies. It may or may not contain credit history of the individual as per the formalities to be filled with the concerned institution. All these factors help the lenders in deciding the individual’s home loan eligibility.
New Project Locations In Chandigarh :
|National Highway 22 Derabassi||Sector 104, Pearl City, Mohali|
|Sector 66A, Mohali||VIP Road Zirakpur|
|Greater Mohali||National Highway 21, Chandigarh|
Leading Home Loan Providers (Click to Apply)
|REMINDER SERVICES||CURRENT HOME LOAN INTEREST RATES||EMI CALCULATOR|