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        Some Frequently Asked Questions

        It’s best to compare loans offers from multiple banks and lending organizations. When comparing offers, examine the interest rate, loan-to-value (LTV) ratio, processing fees, part payment and foreclosure charges and loan tenure.

        If all necessary documents are submitted, the approval process for a home loan generally takes four to five days. For instance, your loan sanctioning process will be delayed if you don’t timely submit documentation pertaining to your income or property.

        When assessing your eligibility for a loan, banks and other financial institutions take into consideration of  parameters, such your age, annual income, job stability, type of residence, number of co-applicants, credit score, and any existing loans you may have.

        Yes, you are eligible for tax savings on the principal as well as interest paid on your house loan. The Income Tax Act’s Section 80C allows you to deduct up to Rs. 1.50 lakh from the annual principle repayment. Taxpayers are also entitled to benefits under Section 24 of the IT Act for up to Rs. 2 lakh in annual interest repayment against a home loan.

        • Make sure your credit score is good. Higher the score, the better.
        • Check if you can afford to pay monthly EMIs from your current income.
        • Research all the loan options available before finalizing an offer.
        • Choose a repayment tenure that’s convenient for you. Shorter tenure means higher EMI, and vice versa.
        • Know the prepayment terms of the loan and the charges applicable.
        • Ask the lender for all the additional charges that may apply to the loan.
        • Lastly, read all the documents carefully before signing.

        For the duration of the home loans, the interest rate linked with fixed-rate loans doesn’t alter. On the other hand, depending on the RBI’s key policy rates, the interest rates that apply to loans with floating rates may occasionally change. For loans with floating rates, the equivalent monthly installments may go up or down based on the current RBI rates.

        Lenders use your CIBIL score as an indicator of how likely you are to repay the loan. The higher the score, the lower the interest rate you pay on your home loans.

        Score below 600: A score below 600 generally indicates high risk. With such a score, it may be a little tough to secure a loan. If your score is below 600, it’s best if you try to improve the score before applying for a home loan.

        Score between 600 and 749: Although it’s not considered a very good score but it gives you at least a chance to get the loan approved. Some lenders might approve your loan with this score after considering your income, your employment/business, etc.

        Score of 750 and above: If your score is 750 or above, you are most likely to get your loan approved. Not only that, you are also most likely to secure the loan at an attractive rate of interest.

        As per RBI guidelines, no lender is permitted to offer 100% home financing. You need to make a down payment amounting to 10-20% of the property’s purchase price. Typically, you can obtain up to 80% housing loan financing for your property.

        Here are some of the key factors that can help you improve your CIBIL score:

        Pay your dues on time: You must pay all your dues on time, including your credit card bills as well as other loans you may have. Timely payments indicate your reliability when it comes to loan repayments.

        Keep checking your credit report: At times, your score may get hit due to certain errors in your credit report. Keep an eye on the report and if there are any discrepancies, report to the credit bureau for correction.

        Optimize the loan tenure: If you are taking a loan, try to choose a longer tenure. This will keep your EMIs low and ensure that you never default on repayments.

        Maintain the right mix of loans: To have a right combination of secured and unsecured loans can also help improve your CIBIL score. Make sure you repay all the loans on time. This will help create a good credit history.

        Avoid too many loans: You should not take on too many loans at the same time. Having too many loans may indicate high repayment risk. Additionally, if you fail to repay any of the loans, your credit score may get seriously impacted.

        There are some hidden charges applicable while opting for a home loan. Such as loan conversion fees, MODT Charges (Memorandum of Deposit of Title Deed), Document retrieval charges, Administrative charges, Legal Fees, Valuation Fees / Inspection Fees, Documentation Charges, Switching Loan Package, Changing Loan Tenure, Statement of Accounts and these charges vary with each banks. 

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