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No Deposit Home Loan

Getting a Home Loan Without a Deposit

When you apply for a Home Loan, you would need to pay a certain amount of money as a down payment towards the loan. In short, Home Loans require a minimum amount of funding from your end. In general, you need to pay 20% of the loan amount as down payment, this percentage varies from lender to lender. If you don’t have this cash on hand, there are a multitude of ways you can raise the funds. You can cash in on your life insurance policies or liquidate the shares you may have invested in. Here, we’ll be discussing how to get a no deposit Home Loan.

Depending on the market value of your intended property purchase, your Home Loan lender will offer a specific amount. For example, with relatively inexpensive properties the lender could offer funding of up to 90% of the market value of your property. Conversely, if the loan amounts are higher than INR 75 lakhs, the funding could drop to just 80%.

Therefore, in most cases, you will have to immediately pay a certain percentage of the deposit out of your own pocket. However, if you are looking for a way to get 100% funding, you need to find out if there are any lenders who offer ‘no-deposit Home Loans’.

Besides this, you need to take care of several factors before choosing the right lender for your Home Loan. After you furnish the required documents, most banks and financing companies will go through a rigorous process to gauge your repayment ability.

If you are planning to apply online for a house loan, consider an NBFC like Bajaj Finserv. With online approval in 5 minutes, Home Loans offered by Bajaj Finserv have made the process easier and hassle-free.

How to Get a Home Loan without Deposit?

Before you start thinking, ‘Where can I get a no-deposit Home Loan?’ you have to understand what the term means. Essentially, a no-deposit Home Loan means 100% funding from the lender. This sort of arrangement is generally sought after by first-time home buyers who have minimal or zero savings.

Since most lenders offer a maximum of only 90% funding, you might want to look at other means of raising a down payment. If you are short on time, here are some ways in which you can raise your down payment

  1. Taking a loan from your family or friends is the cheapest and least risky option.
  2. Sell any investment or asset that you have or use them as a collateral to obtain a loan against securities.
  3. Take a loan against an insurance policy.
  4. You could raise your deposit by taking a personal loan, although that could be risky due to the high interest rates you’ll have to pay in addition to your Home Loans payment.

With the lowest Home Loan interest rates, Bajaj Finserv has a unique offering; Home Loan+. Though part of the overall loan package, Home Loan + offers you a separate amount to help pay for the fittings and the interiors of your home.

Will a No-Deposit Home Loan Work for You?

Before you take your decision on a Home Loan, take the time to negotiate with your lender regarding your down payments. Some lenders could even reduce the down payment to 5% of the purchase price of your property. Property Dossier by Bajaj Finserv is a value-added service that offers all the information you need before and after a property transaction.

If you are still unable or reluctant to deposit a margin, you could choose from one of the options listed above to make your contribution to the loan. Carefully consider the pros and cons of taking a Home Loan with no deposit before you sign on the dotted line.

<< Click here to Check your Home Loan Eligibility >>

<< Click here to Calculate Home Loan EMI >>

<< Click here to Apply for Home Loan >>

Is your home loan final disbursement lower than expected? Here’s why!

If you’re considering buying a home, chances are, you’re also considering a home loan. Finding the best kind of home loan can be quite the challenge, especially if you’re a first-timer.

The Home Loan ProcessAs a lot of people who have taken home loans know very well, the disbursement amount is often not the same as the amount agreed upon. There are a lot of reasons behind this, and it is something one should be prepared for.

Two very important aspects of a typical home loan are:

  1. An assessment of the applicant’s profile
  2. An evaluation of the property in question

The applicant must first submit personal documents such as identity and address proofs, and even employment details along with a thorough summary of their income. The applicant is then checked and approved based on their credit score. Using this information, a repayment capacity is agreed upon and accordingly, a home loan limit is set. Bajaj Finserv can help you get instant approval for a house loan with reasonable interest rates and 0.8% processing charges.

A sanction letter is then issued which includes information such as the limit of the home loan, the repayment tenure, the EMI amount, the interest rate applicable, etc. The sanction letter carries a date limit, before which the request for disbursement should be made. If this request is not made in time, the entire process will have to be repeated.

The Issues with Disbursement Once a property is finalized, the applicant has to present the necessary property documents to avail of the disbursement. These documents differ, depending upon the seller of the property. The lender then has the responsibility to carry out the final physical inspection of the property. They evaluate the cost of the property and decide upon a certain loan amount. This depends completely upon the loan-to-value ratio of the lender, which varies across different institutions.

Problems, however, can occur when the lender’s evaluation of a property returns a lower value than its sale price. This can lead to the lender disbursing a loan on the basis of his loan-to-value ratio, which may or may not match the amount the buyer requires. Since lenders only sanction loans for up to up to 80% of the property value, this can be a real problem. This occurs more often when resale properties are purchased.

Also, remember that lenders deduct a certain percentage of your loan towards processing and administration fees. Bajaj Finserv offers you a hassle-free path to home finance with their online Home Loan applications.

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Mutual Funds simplified

Making sound investments will go a long way in letting your hard-earned money work for your profit. Mutual funds are considered a safe route for investment. A good mutual fund definition would be ‘a collective investment put together and then invested in various instruments by a fund manager’. These instruments could be shares, stocks, bonds and more. Bajaj Finserv offers Mutual Funds that can enhance your financial portfolio and create a diverse investment package.

Before finalizing on a mutual fund, make sure you have a clear picture of why you need this investment—a short-term requirement, a retirement plan or even a fund for your child’s education. Also calculate how much you are willing to spend and the timeframe within which you require your investment to reap benefits.

Pick a Mutual Fund that Suits You

There are a range of mutual fund options to choose from. One of the types of mutual funds includes debt or income schemes where a part of your money is placed in debt instruments or government securities. If you would like to maintain access to your investment at any given time, you could opt for open-ended mutual funds.

Another type of mutual fund is an equity fund which involves higher risk, but gives excellent long-term benefits and can also work as a tax-saving device. Gold funds are also increasingly popular with investors, especially gold bars or gold-based security funds. There are also close-ended mutual funds where your money is locked in for a particular period.

Why Opt for Mutual Funds?

When you understand what mutual fund investment is, you will realize that it is secure and can accrue great benefits. Mutual funds are managed by a team of experts who are well-qualified in the fields of investment and capital appreciation. This ensures that your money is in good hands. Another reason to invest in mutual funds is that you can withdraw it whenever required or even get a loan against your investment. Because it is a collective investment, the risks involved in mutual funds are relatively lower.

Besides Mutual Fund investment, you can also choose Fixed Deposits, like the one offered by Bajaj Finserv, that cater specifically to your needs.

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All You Need to Know About Fixed Deposits

All You Need to Know about Fixed Deposits

You might not know this, but one of the best ways to make your money work in your favour is to invest it in a Fixed Deposit. It’s so much more beneficial in the long run and is one of the most reliable means of investments. Here we’ll discuss what a Fixed Deposit is, and how it can help you in the long run

What Exactly is a Fixed Deposit?

Essentially, a Fixed Deposit (FD) is nothing but an investment account in which a sum of money is deposited for a specific amount of time at a fixed interest rate. The account is inaccessible through the duration of the pre-determined time. This means that you cannot withdraw, or deposit any money in a Fixed Deposit amount till it has reached its maturity date.

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FDs are a safer option than other investment types such as share trading, where there is a huge profit involved, but with little security and guarantee.

Interest Rates

Now that we know what a Fixed Deposit is, let’s try and understand the interest policies that work behind an FD account.

FD Interest Rate is higher than that of a typical savings account since the maturity period is often longer and the money is essentially locked in. To determine the interest rate of a Fixed Deposit account, you can use the Fixed Deposit calculator at Bajaj Finserv. The Fixed Deposit calculator also makes it easy to compare the differences in interest receivable by changing the tenure, interest payment frequency or deposit amount.

Why Should You Invest in a Fixed Deposit?

An FD is a great way to secure money for the future. Since your money is locked in, even from yourself, it’s a guarantee that the deposit isn’t going anywhere. There are, however, emergency withdrawals that are possible should you face any sort of financial crisis.

Furthermore, should you choose to open an FD with Bajaj Finserv, you have the option of 6 flexible tenures to choose from. Other benefits include an extra 0.25% on the interest rates for senior citizens and online access to your FD account.If you would like to find out how much interest your FD would rack up over a particular term, you can use any of the FD calculators available online. Apart from helping you find out how much you will earn after a FD policy reaches maturity, you can also keep your FD from incurring a TDS. To do this you will need to spread out your FDs over different institutions if your yearly income is more than Rs. 10 thousand.

How to Invest in Fixed Deposit?

Fixed deposits have been highly popular, due to their safety of capital and surety of return. So, how exactly do you go about creating one?

You can open an FD account all by yourself or even through your firm or family. However, depending on the city in which you live, the minimum required amount for opening an FD may vary between INR 50000 to INR 150000.To identify how much interest you’ll be earning, use an FD calculator, and pick the policy that seems the most profitable.

FDs are great investment tools, especially when you have financial security in mind. While they may not provide the highest return on investment, you’ll always know that your money is safe and sound.

Calculate FD Maturity Amount Invest in FD Check FD Interest Rate

Everything you need to know about the gold market slump

A few days back, gold prices hit a two year low in India, when both standard and pure gold dropped by INR 520. So what does this mean for Indian investors? Should you capitalise on the low prices and buy a lot of gold? Or should you wait and see if the prices drop lower?

The same situation is prevailing over the rest of the world. In fact, according to a recent Forbes report, gold prices may drop even lower, to almost 50% of its previous market value. Let’s take a look at why gold prices are going down and what to do when gold prices are falling.

The World Scenario

The main reason why gold prices are falling is the activities of the current world superpowers, China and USA.

China caused a major slump in gold prices all over the world after it poured a ridiculous amount of gold into the market. Almost 33 tonnes of gold were sold in the Shanghai spot market on 27th July 2015 as investors scrambled to shift their money into greener pastures.

On the other side of the globe, the US dollar has hit a three month high, making it harder to buy gold with weaker currencies and effectively reducing the demand in these economies. This reduced demand has caused a downfall for the lustrous metal, which is finding it hard to maintain its shine in small economies. Furthermore, if the interest rates in US markets go higher, investors will run towards the dollar for higher returns. This will make the dollar even stronger and reduce the cost of gold even more.

The Indian Scenario

Domestic gold inventories are filled to the brim with gold. Most of this gold is acquired by the rural population, many of whom do not have access to formal banking institutions. Indian farmers are heavily dependent on the monsoon for their livelihood and the uncertainty of rains is causing them to hold back on their gold purchases.

Even if the demand for gold rises during the wedding season, there is still very low demand right now. This along with stringent RBI measures to reduce gold imports has affected domestic prices to a large extent. Many gold investors are also shifting towards the equity sector, which is emerging as a lucrative option to acquire assets for future investment prospects.

What You Need To Do

If you already invested in gold or if you’re looking to make a hefty gold investment, this is not the right time to do it. Instead, here are a few tips to recover from falling gold prices.

  • Hold On to Your Money
    Observe the markets for sometime and see how they fluctuate. If possible, avail the services of a seasoned investor and find out what you can do with your existing gold and how can maximise your profits.
  • Buy Some Real Estate
    Take your money and use it as loan down payment on a good property. If you were looking at a long term investment in gold, the housing market isn’t far behind. To help you with your investment you can turn to companies like Bajaj Finserv who offer online home loans at attractive interest rates. A real estate investment gives you guaranteed returns in the form of its rental and resale value.
  • Make a Fixed Deposit:
    Fixed deposits are the best short-term investments you can make. High interest rates and a wide tenure range make them an ideal choice if you want to wait for the gold market to rise again. Now you can even make a fixed deposit from the comfort of your home on the Bajaj Finserv website.
  • Invest in Mutual Funds
    Mutual funds are a great way to make an investment in high risk sectors; you can neutralise the risk by investing in highly stable sectors at the same time. If you avail the services of financial institutions like Bajaj Finserv, you can diversify your investments and still turn a profit if one of them goes down.

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Open-Ended vs. Closed-Ended Mutual Funds: What’s best for you?

There are different types of mutual funds available in the market, which are classified on the basis of several parameters, ranging from the nature of investment, philosophy behind it, and the various risks involved. A very popular and common basis for distinction is the fund structure; open-ended or closed-ended. Here we weigh the pros and cons of both the funds, so that you can decide on the best fund for your needs.

What is an Open-Ended Mutual Fund?

They’re called open ended, because these funds buy and sell units on a continuous basis. This gives a lot of freedom to investors, who have the right to enter and exit an investment as per their liking and convenience.

The units are sold according to the Net Asset Value (NAV) declared by the fund. The units, which normally have an initial offering period, can also be sold after that offering period is over. This is only allowed in open-ended funds.

This is also why the unit capital of open-ended funds are continuously varied, since new units are consistently bought and sold. The size of the funds depend on the number of units they are selling. These funds also trade at the closing price at the end of the market day. However, the catch is in the fact that they cannot keep selling units. If the management feels that it is unable to manage a fund of a certain size, it can stop accepting new investments. There are several NBFCs, like Bajaj Finserv, for instance, who offer mutual fund investments with low transaction costs.

What is a Closed-Ended Mutual Fund?

They’re referred to as closed-ended since each unit has a fixed capital amount associated with it. In these types of funds, the investors cannot buy the units once the New Fund Offer (NFO) period is over. This also means that new investors aren’t allowed to enter, and that existing ones aren’t allowed to exit until the term of the scheme ends. Closed-ended funds also trade on the stock exchange, rather than being redeemed by the fund.

Though closed-ended funds are sometimes criticised, they have their share of advantages. These funds don’t have to worry about the redemption of shares. This allows them to lower their liquidity ratios and invest more capital in the market. Because of this, they often generate greater returns as compared to open-ended funds. Several companies like Bajaj Finserv, for instance, offer mutual funds through tie-ups with 14 prestigious asset management companies.

The Difference Between Open-Ended and Close-Ended Mutual Funds

As it stands, open-ended funds offer a lesser risk with an average award. This is still highly preferable when compared to a greater risk, with a fantastic award. The choice boils down to how accurately one is able to predict market fluctuations. With such a liquid economy, it is fairly hard to do so. However, investors are best advised to compare individual products in an asset class. The differences may be vast, and some might even prove beneficial in a closed-ended fund rather than an open ended one. In case you are looking to build your portfolio, companies like Bajaj Finserv, offer you a list of trending funds to invest in.

Ultimately, investing in mutual funds is a fairly risky proposition which can make or break your fortune. It all boils down to you choosing what’s best for you.

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Is Prepayment a Critical Feature for Deciding the Personal Loan Lender

Choose A Personal Loan Lender Based on Prepayment

There are times when you may require funding for personal expenditure. At such times, you could apply for a Personal Loan, which has several attractive features like zero collateral, easy repayments over a short duration, convenient documentation processes. Personal Loans also give you a fair degree of independence in the end usage of the funds. Bajaj Finserv gives you instant online approvals of up to INR 25 lacs on your Personal Loan.

However, due to their unsecured nature, Personal Loan interest rates are often higher, ranging from 15% to 20%. If you want to repay your loan faster, you could consider the option of prepayment.

What is Prepayment and How Does it Work?

The partial or complete repayment of a loan by the borrower before the due date is called prepayment. If you have an idle but substantial amount of funds, it’s always a good idea to make a prepayment and reduce the EMI on your loan.

Before you start thinking about whether to prepay or not to prepay, you should first understand how prepayment works. Prepayment can be done in two ways:

  1. Full Prepayment or ForeclosureThrough a loan foreclosure or full prepayment, you can repay the remaining loan in a single payment instead of continuing payment via EMI. Most Personal Loans need a minimum of one year of tenure to be completed before you can opt for foreclosure. Full prepayment also helps in reducing the amount of interest you have to pay.
  2. Partial PrepaymentThis option can be availed if you do not have the full loan amount, but only a lump sum that can reduce both your EMIs and the tenure of your loan. Part prepayment can be done several times over a financial year, provided that the amount prepaid is in multiples of a single EMI.

Prepayment can be beneficial, but you have to take into account the prepayment of Personal Loan charges that several banks apply a foreclosure penalty. If there are any prepayment charges, part prepayments with relatively small amounts are likely to place a heavier burden on you. Bajaj Finserv allows borrowers to prepay or close their Personal Loans easily. Borrowers can prepay their loan up to 6 times in one financial year, with the minimum amount being no less than 3 EMIs.

Is Prepayment a Crucial Factor in Choosing Your Lender?

Unlike a home loan, repaying a Personal Loan is comparatively easier due to the shorter time frame and reduced amount of funds involved. The only drawback of Personal Loans is their higher interest rates. Hence, prepayment is a great way to reduce the amount of interest you need to pay. When the borrower repays the loan partially or wholly before the due date, certain effects of prepayment on the Personal Loan lender come into play.

Due to prepayment, the lender would have to forego some of the interest that a borrower would have paid if he had stuck to the original loan agreement. Therefore, most banks apply prepayment penalties. This is so that the borrower has to decide if it is more beneficial to prepay along with the penalty or to continue with the agreed monthly EMIs. In such a scenario, prepayment charges can play a crucial factor in deciding your Personal Loan lender. Bajaj Finserv Personal Loan, with its added benefits, is an attractive option for those seeking a Personal Loan.

Personal Loans are extremely useful in crunch situations. And by understanding how prepayment works, you can make an informed decision.

< Click here to check your Personal Loan eligibility >

< Click here to Apply for Personal Loan Online >

Business Loan Scams And How You Can Avoid Them

Raising capital for your startup or small business may seem like quite a task. If you’re new to the scene, the financial jargon alone is sure to leave you baffled. In such a situation, falling prey to fraudulent lenders and business loan scams is easier than you think. Here are quick and simple hacks that will ensure you opt for only a secured business loan.

As an entrepreneur, are you wondering how to get a loan to start a small business? You are not alone. However as you go about your search, you are vulnerable to various malpractices that are a part of this trade.

To avoid falling victim to business loan scams keep the following tips in mind:

Beware Of Giving Out Personal Information

Most often, scammers talk you into giving them various personal details such as your address, bank account details, credit card number and your government ID details that can help them easily gain access not only to your bank account, but also to your identity. Make sure you receive legitimate paperwork for the loan before providing any such information.

Also Read : Things To Know Before Applying For Business Loan

Do Your Research

As an entrepreneur looking for a business start up loan, make sure you do not skip out on your own research. Before applying for a loan make sure the lender or bank or financial institution you are considering has a legitimate physical address. Do your research on the company’s background, its parent company and on how trustworthy the company is. Read reviews or testimonials on social media or talk to a friend or peer who has taken a loan earlier as they will be able to guide you through the process better than anything else.

If It’s Too Good To Be True, It’s Not True

A lot of times, schemes offered by scammers are usually too good to be true. Promising low rate of interest or instant approvals are usually common ways to lure you to apply for the loan. Before granting a loan, companies usually make sure that you have high credit worthiness and no history of bankruptcy. If a lender is willing to give you a loan regardless on your financial health, it is most probably a scam. While your weak financial health will make you feel like these schemes are your last resort, don’t jump to conclusions. There are various options available that are sure to provide you with the help you need.

Don’t Skip The Fine Print

We’re all guilty of skipping some of the text before signing important documents. Most often than not, information that the company doesn’t want to lay emphasis on is written in fine print. Make sure to read the entire document thoroughly and most importantly understand all the clauses before jumping on board. As the document is legal, signing without reading and understanding may land you into deep trouble. Thus, regardless of where you’re sanctioning a loan from, always make sure to read every inch of the document.

A Strict ‘NO’ To Upfront Fees

While applying for a small business development loan, paying an upfront fee before your loan is approved is a major risk. This is an almost definite red flag in the process of applying for a loan. Dupes may ask for fees as security, insurance or as an application charge. Make sure to scan your options and do your background research carefully before making this payment. Companies usually only deduct a part of the payment after the approval of the loan.

Now that you know the worst that can happen, be optimistic and begin your search with a clear mind and fresh eyes. Whether it is a loan to start your business or a working capital demand loan, don’t forget to research business loan Bajaj Finance options. Without needing collateral or guarantors, this business loan by Bajaj Finserv can be paid back over an agreed tenure with a minimum rate of interest.

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