Notice: Constant YEARSLAB already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 55

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Get Home Get Loan

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Notice: Constant ADMIN already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 12

Notice: Constant BANK already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 13

Notice: Constant SLAB already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 14

Notice: Constant CUSTOMER already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 15

Notice: Constant PROPERTY already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 16

Notice: Constant PROPERTIES already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 17

Notice: Constant MONEYSLAB already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 18

Notice: Constant TENURESLAB already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 19

Notice: Constant CMS already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 20

Notice: Constant SUBSCRIBER already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 21

Notice: Constant NEWSLETTER already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 22

Notice: Constant ADVERTISEMENT already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 23

Notice: Constant NEWS already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 24

Notice: Constant ARTICLE already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 25

Notice: Constant EBOOK already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 26

Notice: Constant RATESLAB already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 27

Notice: Constant SETTINGS already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 28

Notice: Constant EMAILSETTINGS already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 29

Notice: Constant BLOGCAT already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 30

Notice: Constant BLOG already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 31

Notice: Constant DOWNLOAD already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 32

Notice: Constant MEMBER already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 33

Notice: Constant PROSBANK already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 34

Notice: Constant PROSPROPERTY already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 35

Notice: Constant ADMINLEVEL already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 36

Notice: Constant TESTIMONIAL already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 37

Notice: Constant COAPPLICANT already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 38

Notice: Constant COSTOMERDETAIL already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 39

Notice: Constant CUSTOMERFORMDETAILS already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 40

Notice: Constant USERPROPERTY already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 41

Notice: Constant EXCELBOOK already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 42

Notice: Constant EXCELSHEETDETAILS already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 43

Notice: Constant LOG already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 44

Notice: Constant BUILDER already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 45

Notice: Constant AXISLORNFORMDETAILS already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 46

Notice: Constant AXISLORNFORMDETAILS2 already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 47

Notice: Constant MANIPALFINANCE already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 48

Notice: Constant USERDETAILS already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 49

Notice: Constant TAX already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 50

Notice: Constant TAXSLAB already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 51

Notice: Constant INTERESTRATE already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 52

Notice: Constant INTERESTSLAB already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 53

Notice: Constant YEARSLAB already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 54

Notice: Constant YEARSLAB already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 55

Notice: Constant CHATUSER already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 56

Notice: Constant LORNFORMDETAILS already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 58

Notice: Constant REFERANCEDOC already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 59

Notice: Constant MASSMAIL already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 60

Notice: Constant ASSESTAXIS already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 61

Notice: Constant FORUMCATEGORY already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 62

Notice: Constant FORUMINDEX already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 63

Notice: Constant REQUIREMENT already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 64

Notice: Constant SAVEDSEARCH already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 65

Notice: Constant BOOKMARK already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 66

Notice: Constant RATEOFINTEREST already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 67

Notice: Constant LAPBANK already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 68

Notice: Constant DHANALAXMIBANK already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 69

Notice: Constant ADVOCATE already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 74

Notice: Constant ENGINEER already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 75

Notice: Constant INTIRIOR already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 76

Notice: Constant MODULAR already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 77

Notice: Constant CATERING already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 78

Notice: Constant INSURANCE already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 79

Notice: Constant ARCHITECH already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 80

Notice: Constant PROPERTYVAL already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 81

Notice: Constant EVENTMNGR already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 82

Notice: Constant PAINTER already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 83

Notice: Constant CHARTACC already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 84

Notice: Constant VAASTHU already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 85

Notice: Constant FORUMQUEST already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 87

Notice: Constant FORUMANSWER already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 88

Notice: Constant FORUM2 already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 89

Notice: Constant PROPIMGTN already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 91

Notice: Constant PROPIMGEN already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 92

Notice: Constant PROSIMAGE already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 93

Notice: Constant PROSAUDIO already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 94

Notice: Constant PROSVIDEO already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 95

Notice: Constant VIDEO already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 96

Notice: Constant AUDIO already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 97

Notice: Constant MAPIMAGE already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 98

Notice: Constant TESTIMAGE already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 99

Notice: Constant TESTVIDEO already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 100

Notice: Constant TESTAUDIO already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 101

Notice: Constant BUILDIMG already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 102

Notice: Constant BUILDAUDIO already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 103

Notice: Constant BUILDVIDEO already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 104

Notice: Constant FRONTIMGTN already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 107

Notice: Constant FRONTIMGEN already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 108

Notice: Constant FRONTVIDEO already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 109

Notice: Constant FRONTAUDIO already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 110

Notice: Constant FRONTMAPIMAGE already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 111

Notice: Constant TESTIMAGEFRONT already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 112

Notice: Constant TESTVIDEOFRONT already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 113

Notice: Constant TESTAUDIOFRONT already defined in /home/pedaln38/public_html/gethomegetloan.com/include/constants.php on line 114

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FAQ
When can I apply for a home loan?
If you are at-least 21 years of age and are employed or self employed with regular income. In fact, you can even apply for the loan, before you have identified your home/apartment.
 
What are the minimum and maximum loan amounts?
You can avail Home loans ranging from Rs.2 lakhs to Rs.500 lakhs depending on your eligibility viz., income and repayment capacity.
 
For What purpose can any-one avail Home Loan?
You can avail Loan:
  • For Purchase of an ready-built Apartment/Apartment under construction/Re-sale of an Apartment
  • For Purchase of ready built house/house under-construction/re-sale of House
  • For purchase of Land-cum-construction
  • For renovation and extension of existing Home
 
How many persons can be co-applicants and whether their income can be clubbed for taking Home loan?
In case of home loan, the loan eligibility can be increased/ enhanced by clubbing income of maximum three persons which can be Father/Mother/Spouse. Some Institutions accept brother also as co-applicant and include his income for eligibility purpose.
 
What will be the repayment period for Home loan?
The maximum repayment period for the loans is:
  • Home Loan: 20 years. Some Institutions now even consider Home Loans up to 25 years.
  • Home extension Loan: 20 years.
  • Home improvement Loan: 8 to 15 years.
  • Loan Against Home: Up to 15 years for all applicants.
  • Land Finance: 15 years (Selected Banks)
  • NRI loan: Up to 15 years for all applicants. The tenor varies from Bank to Bank.
The repayment period of your loan should not exceed your retirement age or 65 years if you are self employed, whichever is earlier.
Mode of repayment will be through Post-Dated Cheques or E.C.S. or Deduction of Installment by the Employer from your salary.
 
What will be the pre-payment/part-payment penalty?
  • Most of the Banks charge 2% and above towards pre-payment if the loan is shifted to some other Bank/Institution.
  • Some Banks has certain restrictions reg. pre-payment period.
  • Some Banks charge part-payment penalty. They also have restriction on the number of times re-payments are accepted in a year.
 
Do I have to provide any specific security?
The primary security for the loan shall be first mortgage of the home being purchased / constructed. It is in your interest to ensure that the title of the house is clear, marketable and free from encumbrances.All the Nationalized Banks insist for Registration of Mortgage for which the Fees are to be borne by the borrowers.
 
Whether Guarantor is required for availing Home Loan?
While Guarantor is not mandatory, lender will insist for Guarantor on case-to-case basis.
 
What documents will I require while applying for the loan?
The following list of documents will be required:
  • Age, Address, Identity & Signature Proof, which can be established from the Ration Card / Birth Certificate / School Leaving Certificate / Election ID / Pan Card / Driving License / Passport
  • Bank statement for the last six months.
For salaried individuals :
  • Latest 3 months salary slip
  • Form 16 from the employer
For self employed individuals :
  • Certified copies of the Balance Sheet and Profit & Loss Account, Income Tax Returns’ acknowledgments, Advance Tax challans (for both company / firm and individuals) for last 3 years.
 
How do I repay the loan?
Repayment of your loan will be in Equated Monthly Installments (EMIs), comprising of principal and interest calculated on a monthly rate basis.
The EMIs will commence from the month following full and final disbursement.
The EMIs are payable every month and will be collected in the form of post dated cheques.
Till the commencement of EMI, a pre EMI interest is payable during the interim period.
 
How will my loan get disbursed?
Once you accept the sanction letter, your home loan will be disbursed upon: -
  • Selection of the property
  • Submission of legal and property documents –
  • Payment of your own contribution
  • Execution of Loan Documents by the Applicant & Co-applicant.
The loan amount will be disbursed in full or in installments depending on the progress of construction.
 
What will be the rate of interest and fees applicable?
Rates and Fees vary from Bank to Bank and is given separately which may be referred.
 
Are my property documents safe?
Most of the Banks/Home finance companies keep the documents in a centralized vault.
 
Should I obtain Legal Opinion from an Advocate even if I purchase through a Builder/Developer of Repute?
Of-course! It is advisable to obtain a legal opinion from an Advocate and this will help in obtaining a second opinion over and above the opinion provided by the Builder/Developer and also the Lender.
 
What are the other parameters for Banks and Housing Finance Companies to consider the Loan?
  • Physical Verification of Your Office & Residence, Salary Slip & Bank Statements.
  • Phone Verification – Residence and Office.
  • Verification through your references provided in the Application Form.
  • Credit Check through C.I.B.I.L.
  • If you have already availed Loans from Banks/Housing Finance Companies or NBFCs, Banks will ensure your repayment track for the same and also verify your Credit Card Status.
 
Whether an NRI Loan will be converted into Resident Indian Loan if the borrower is back to India for good?
Based on the revised Income, the repayment is re-scheduled. It will be done on the outstanding balance as on that particular date.
 
 
 
 
 
 
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