Home Loan Ludhiana

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All About Home Loan Ludhiana

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Even it may not sound easy, purchasing a new house is now not as difficult as it seems. Now you can be the owner of your new house, you can take help from Home Loans to build up your house. These debts offer a very large tenure period of your home loan.

Home Loan Ludhiana Interest Rates:

Punjab National Bank Standard Chartered Bank Axis Bank
10.25% 10.50% 10.10%

  • Guarantees stress-free dispensation.
  • Loan sanction prior to property selection.
  • Property analysis.
  • Trouble-free documentation in Home Loan Ludhiana
  • 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:

Home Loan Ludhiana

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 Ludhiana

  • 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.

Ludhiana is a city in Punjab state of India. It is the largest city in the state and the major industrial center of northern India. It is located on the banks of the Sutlej River.  The city is a mixture of Urban and Rural race.

      

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


REMINDER SERVICES EMI CALCULATOR

HOME  LOAN INTEREST RATES

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Disclaimer: The information provided on www.dialabank.com is collected from public sources and is believed to be accurate and genuine. This site should be used as an information provider for different product offerings of Insurance companies and the visitor should make an independent verification with the Insurance companies to verify the claims made in the policy before making any purchase. The decision to Apply and/or Purchase a policy is at the sole and complete discretion of the website visitor and Dialabank.com cannot guarantee or can be held liable for loss or damage caused by claims made by insurance companies through their agents, partners, products or services, directly or indirectly.

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