Home Loan Faridabad

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All about Home Loan Faridabad

Home Loan Faridabad

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Home Loan the term refers to the type of loan taken for construction of a new home or purchasing a built house. The process of home loan is not complicated and follows simple steps for its sanctioning. It requires consideration of people as it is a long term process. The small installments are made as it has a longer duration.

HoHome Loan Faridabad Interest Rates:

Punjab National BankStandard Chartered BankAxis Bank
10.15%10.26%10.10%

  • Guarantees stress-free dispensation.
  • Loan sanction prior to property selection.
  • Property analysis.
  • Trouble-free documentation
  • Widest collection of accepted projects.
  • Eye-catching Home Loan Interest Rate.
  • They also provide the option to the customer to avail the interest rate on their home loan as partly fixed and partly floating.

Understand your loan eligibility:

All Home finance companies refer to their EMI table when calculating the EMI payments. This table lists the monthly EMIs per lakh, for different tenures and rate of interests.

Monthly Income(Rs)

30,000

(Assumed) Income available for EMI payments

(i.e. 55% of 30,000)(Rs)

16,500

Rate of Interest(%)

8.00

Tenure(yrs)

20

EMI per lakh(Rs)

836

Home Loan Eligibility (Rs)

1,973,000

                

Following are other factors helping in the evaluation of home loan eligibility:

  • Nature of Job of Individual
  • Location of the Property
  • Personal Details of individual

Common Documents Required For Home Loan Faridabad

  • Valid Address Proof: Voter Card, Ration Card, Aadhaar Card, Driving License and so on.
  • Age proof: Voter Card, Ration Card, Aadhaar Card, Driving License and so on.
  • Last six months Bank account statement
  • Income proof and passport-size photograph of the applicant and co-applicant

For Salaried customers:

  • Employment certificate from the employer
  • Form 16
  • Copies of pay slip for last few months and TDS certificate

For Self-employed:

  • If it is a partnership firm then copy of partnership deed or copy of memorandum of association; and articles of association if it is a company.
  • Copy of audited financial statement for last two years
  • Income tax assessment order
  • Profit and loss details for last few years

A customer must understand and agree with each of the clauses in the documents before agreeing to sign the loan deal.  Before signing the Home Loan documents, recheck all terms and conditions.

Faridabad is a city based in the South-East part of Haryana and shares its boundary with the state of Delhi, Gurgaon and Noida. Faridabad is one of the largest cities and industrial hubs of the state of Haryana. It has a huge industrial belt and specializes in the production of tractors, refrigerators, shoes, motorcycles and tyres. 

      

Special Note: Bank does not provide Home Loan or Loan Against Property to B Khata Property.      


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