Home Loan Gurgaon

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All about Home Loan Gurgaon

Home Loan Gurgaon

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Building your own house is a matter of pride as it brings a sense of achievement in you. You feel happy when your family smiles after watching the beauty of your house. For some of the people, this dream is somewhat far from reality as they couldn’t arrange proper funds for buying their dream home. If you are one of those people, you can apply for Housing Loan. It is a loan that is taken after pledging a valuable asset to the bank.

Home Loan Gurgaon Interest Rates:

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

  • One can acquire the Loan amount ranging from 10 lakhs to one crore.
  • It is sanctioned for a period of 15 to 20 years.
  • It is the best way to convert the dream of owning a home into reality.
  • Guarantees stress-free dispensation.
  • Property analysis.
  • Trouble-free documentation.

Understand your loan eligibility:

All Home finance companies refer to their own 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 Gurgaon eligibility:

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


Common Documents Required For Home Loan

  • 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.

Gurgaon is the largest and financial centre in Haryana state of India. Private real estate agents like Tata Housing, DLF Limited and Unitech Group have built various commercial complexes and mini cities like Sun City, Nirvana country and DLF city.

      

Other Leading Loan Options in Gurgaon (Click to Apply)
 Gold Loan GurgaonCar Loan GurgaonPersonal Loan Gurgaon

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


REMINDER SERVICESEMI CALCULATOR

HOME  LOAN INTEREST RATES

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