All About Home Loan Jalandhar
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For all those people who are planning to buy a new house but lacking in funds can now take help from Home Loans, which offer huge finances to you for building up your home. Moreover, these debts don’t take any security other than your pledged house.
Home Loan Jalandhar Interest Rates:
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Why should one apply for Home Loan in Jalandhar?
- It involves simple procedures.
- It helps people in having their own house without much hassle.
- It is provided for a tenure of 15 to 20 years.
- The Loan processing is fast.
- It is offered at affordable interest rates in the market.
Eligibility for Home Loan Jalandhar
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.
(Assumed) Income available for EMI payments
(i.e. 55% of 30,000)(Rs)
Rate of Interest(%)
EMI per lakh(Rs)
Home Loan Eligibility (Rs)
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
Documents for Home Loan Jalandhar
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
- 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.
Jalandhar is a city in Punjab. It was formerly the capital of Punjab state. Jalandhar is the largest developed city in Punjab.
Special Note: Bank does not provide Home Loan or Loan Against Property to B Khata Property.
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