Home Loan Nalasopara West

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Home Loan Nalasopara West

Best Banks For Home Loan Nalasopara West

Feature HDFC Bank ICICI Bank Bank of India
Interest Rate 6.95% to 8.2% 6.95% - 7.95% 6.85% to 7.15%
EMI/Lakh Rs. 662 Rs. 659 Rs. 655
Max Loan Amt Upto 10 Cr. Upto 10 Cr. Upto 10 Cr.
Loan Tenure Upto 30 years Upto 30 years Upto 30 years
Processing Fee Upto 0.5% of loan amount + GST 1% – 2% of loan amount + GST 0.25% - 0.50% of loan amount + GST
Preclosure Charges No prepayment charges for floating rates No prepayment charges for floating rates No prepayment charges for floating rates

Home Loan Nalasopara West Features

Home Loan Nalasopara West

Buying a new house? You can apply for a Home Loan to cover up to 90% of the purchasing expenses! In basic terms, it is a loan taken to either buy or construct a new home. Here, the property for which the loan is taken is not owned by the loan applicant. A home loan is not only available for buying a home or constructing one, but also the applicant who is taking the loan can use different schemes for a home loan offered by the bank for extensions, plot purchase, renovation, and many other things related to home property.

The loan is available on the following types of property:

  • New flat
  • Ready to Move-in House
  •  Plot From MHADA, DDA, etc.
  • Home construction
  • Home extension
  • Home renovation

Home Loans under Pradhan Mantri Awas Yojana are also available in Nalasopara West.

Please find more information on Eligibility below or by visiting DialaBank online.

Home Loan Nalasopara West Interest Rates

Top 10 banks offering the lowest home loan interest rates for salaried individuals

Bank Name RLLR Minimum Home Loan Rate Interest Rate (%) Maximum Home Loan Rate Interest Rate (%)
Union Bank of India 6.8 6.7 7.15
Bank of India 6.85 6.85 7.15
Central Bank of India 6.85 6.85 7.3
Canara Bank 6.9 6.9 8.9
Punjab & Sind Bank 6.9 6.9 7.25
ICICI Bank 6.95 6.95 7.95
SBI Term Loan 6.65 6.95 7.45
Bank of Baroda 7 7 8.35
IDFC First Bank 7 7 8
Bank of Maharashtra 7.05 7.05 8.35
HDFC Bank 6.95 6.95 8.2

Home Loan Nalasopara West Documents Required

Salaried Individual:

Valid ID and Residence Proof: A copy of Proof of Identity and Residence such as Aadhaar, PAN, Driving License, Passport, Voter ID, etc.

Income Proof:

  • Bank Statements showing salary credits from the last 6 months.
  • Latest Salary Slips from the last 3 months.
  • Latest Form-16 and IT returns.
  • Employment Contract/Appointment Letter if the current employment is less than a year old.

Property Related Documents:

  • A cheque for processing fee favouring ‘The Particular Bank.’
  • Copy of the Buyer Agreement/Allotment Letter
  • Receipt/(s) of payment/(s) made to the developer

Self Employed Individual:

Valid ID and Residence Proof: A copy of Proof of Identity and Residence such as Aadhaar, PAN, Driving License, Passport, Voter ID, etc.

Income Proof:

  • Bank Statements showing salary credits from the last 6 months.
  • Business Profile and Previous 3 years Income Tax returns (Both self and business)
  • Previous 3 years Profit/Loss Account and Balance Sheet.

Proof Of Business: 

  • Educational Qualifications Certificates
  • Business achievements (Certificate or awards if any)

Property Related Documents:

  • A cheque for processing fee favouring ‘The Particular Bank.’
  • Copy of the Buyer Agreement or Allotment Letter 
  • Receipt/(s) of payment/(s) made to the developer

Agriculturists:

KYC Proof – PAN Card (Mandatory) and any Driving License/Voter ID/Passport

Income Proof:

  • Bank Statements showing salary credits from the last 6 months.
  • Copies of title documents of agricultural Land showing crops being cultivated

Property Related Documents:

  • A cheque for processing fee favouring ‘The Particular Bank.’
  • Copy of the Allotment Letter / Buyer Agreement
  • Receipt/(s) of payment/(s) made to the developer

Additional requirements for Co-applicants:

Passport size photograph of all co-applicants to be affixed on the Application Form and signed across

Apply for Home Loan

Home Loan Nalasopara West Eligibility Criteria 

Salaried Individual:

  1. The applicant’s nationality should be Indian.
  2. In addition, the applicant must be between the age group of (Minimum) 18 years to (Maximum) 65 years.
  3. Must have working experience and a legitimate source of salary, i.e. working under the same employer for at least one year.

Self Employed Individual:

Applicants who are not professionally engaged in the working sector but have their steady income source are also eligible for the Home Loan. This includes everybody who is a:

  • Traders
  • Commission agent
  • Contractors

The following criteria must be met to apply for a home loan:

  1. In addition, the applicant must be between the age group of (Minimum) 18 years to (Maximum) 65 years.
  2. Must have working experience and a legitimate source of salary, i.e. working under the same employer for at least one year.

Self Employed Professionals:

Applicants professionally engaged in the working sector are also eligible for the Home Loan in Nalasopara West. This includes everybody who is a:

  • Doctors
  • Lawyers
  • Charted Accountant
  • Architect
  • Consultant
  • Engineer
  • Company Secretary

The following criteria must be met to apply for a home loan:

  1. The applicant’s nationality should be Indian.
  2. The applicant must be between the age group of (Minimum) 18 years to (Maximum) 65 years.

Additional Criteria for Co-applicants:

  • Co-applicant must be a family member of the primary applicant.
  • All co-applicants are not required to be the co-owners of the property.

Please find more information on Eligibility by visiting DialaBank online.

Apply for Home Loan

How To Apply For Home Loan Nalasopara West

  • Visit  Dialabank for a Home Loan.
  • Go to the specific city Home Loan page.
  • Check out all the eligibility and documents criteria for a Home Loan.
  • Fill out all the details required in the Home Loan Nalasopara West application form.
  • Once done, our representative will soon contact you for a further stress-free process.

Processing Fees / Prepayment Charges On Home Loan Nalasopara West

Particulars Charges
Processing Fees Salaried Individuals: 0.50% of the loan amount or Rs. 3,000, whichever is higher
Self Employed Professionals: 0.50% of the loan amount or Rs. 3,000, whichever is higher
Self Employed Non-Professionals: Up to 1.50% of the loan amount or Rs. 4,500, whichever is higher
Prepayment charges No prepayment charges for floating rates

Home Loan EMI Calculator Nalasopara West 

CIBIL Score Required For Home Loan Nalasopara West 

Most banks and financial institutions consider a minimum CIBIL score of 750 and above for a home loan. However, many banks can also approve a loan with a CIBIL score between 650 to 750 if the applicant is one of their old customers or has a good relationship with the institute. In this case, the bank may charge moderately higher interest on the loan.

Maintaining a good CIBIL score is a good practice as every financial institution strictly examine the detailed behaviour of the previous loans taken. This includes details on the type of loan taken and the loan amount you have borrowed. In addition, any late payments for previous loans can act as a barrier to your availing of a fresh loan.

Check your CIBIL score in your credit report for more information on the score.

Home Loan Nalasopara West Agent / Broker

One of the major and best agents of Home Loan Nalasopara West is Dialabank. Having vast experience in the field put an advantage. Dialabank has worked with thousands of loan seekers and has successfully delivered what is agreed upon!

You can visit Dialabank online for information on Home Loan

Home Loan Nalasopara West Contact Number

You can contact us by dialling on +919878981166 to get more information about home loans, and we will give you the best advice to help you fulfil your dreams.

Pre Calculated EMI Table for Home Loan Nalasopara West 

About Nalasopara West 

Nala Sopara, formerly known as Sopara, is a town in the Palghar district within the Mumbai Metropolitan Region.

Get Home Loan Nalasopara West information on Dialabank online!

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FAQ’s About Nalasopara West Home Loan

✅ What are fixed and floating rate Nalasopara West Home Loans?

The rate of interest for fixed-rate Nalasopara West Home Loans remain constant for the entire tenure of the loan. On the other hand, the interest rates for floating rate Nalasopara West home loans can be changed depending on the RBI’s policy rates.

✅ Am I eligible to prepay my outstanding Nalasopara West Home Loan amount?

Yes, you can choose to prepay your outstanding Nalasopara West Home Loan amount before the completion of your loan tenure. Fixed-rate Nalasopara West Home Loans mainly attract a penalty of up to 2% of the loan amount.

✅ Can I have a co-applicant for my Nalasopara West Home Loan?

Yes, you can have a co-applicant provided he/she is your immediate family member, such as your spouse, your parents or your children for Nalasopara West Home Loans.