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Secure Perfect Home Loan

3 Easy Steps to Secure the Perfect Home Loan

Along with finding the perfect house for yourself, the first question that comes to your mind is “how much Home Loan can I get?” Figuring out the nuances of a Home Loan might look like a tedious task, but you can turn it into a simple one if you follow the right steps. Understanding Home Loan sanctioning and disbursement won’t take too much of your time. Here is a list of things you can keep a check of while applying for a Home Loan.

Things to Consider While Applying for Home Loan

The Formalities

Getting all your paperwork in order is the most essential step towards getting the Home Loan you want. Here is a complete list of documents required for Home Loans:

  • A completed application form and a set of passport size photographs.
  • Proof of identity (any one).
    • Passport
    • Permanent driving licence
    • PAN card
    • Aadhar card
    • Election card/Voters ID
  • Proof of residential address (any one).
    • Passport
    • Permanent driving licence
    • PAN card
    • Aadhar card
    • Election card/Voters ID
    • Electricity/water bill
    • Gas bill (for pipeline connections)
    • Property tax bill
    • Domicile certificate from Municipal Corporation
  • Proof of age (any one).
    • Passport
    • Permanent driving licence
    • PAN card
  • Financial documents for resident Indians – These include salary slips, bank statements and IT returns.
  • Financial documents for NRIs.
    • Valid Indian passport with Visa stamps.
    • Copy of work permit/equivalent documents supporting the NRI status of the account holder.
    • 3 months NRE/NRO statements.
    • Overseas bank account statements for last 3 months showing salary credits.
    • Latest contract copy/salary certificate/wage slips.
    • Local bureau report of the country where customer is based.

Are You Eligible?

Your Home Loan eligibility is essentially an indicator of whether you can actually afford a Home Loan or not. There are a lot of things which are taken into consideration to make sure that, under the current circumstances, you won’t default on a Home Loan. Usually, lenders will look at the following factors to check whether you are qualified for taking a Home Loan or not:

  • Gross monthly income
  • Loan amount
  • Loan tenure
  • Interest rate
  • Any current EMIs that you are paying
  • Present age of applicant and retirement age

Using these factors, they will calculate the EMI you need to pay. If they feel that you can afford that amount, then congratulations! You are now eligible for a Home Loan.

In case you’d like to check your loan eligibility before approaching a lender, you could utilise a simple online Home Loan Eligibility Calculator.

What to Give, What to Take

Once you have been deemed eligible for a Home Loan, you need to finalise the loan amount that you’re going to borrow. This will depend largely on your financial situation, the duration of the Home Loan, and the interest rate that you’re looking at. Keep in mind all your recurring expenses and current loans, if any, before making a decision about how much Home Loan can be sanctioned by the lender.

Try and get hold of a bank-approved valuator to evaluate your property. This will give you a better idea of how much money you need to arrange for the down payment. After the evaluation, you can use the online Home Loan EMI Calculator from Bajaj Finserv, to calculate the correct EMI value for you.

If you follow these steps when you look for a Home Loan, you can lie back, relax, and rest assured that you’ve got yourself the best Home Loan on the market.

Apply for Home Loan Online Check your Home Loan Eligibility

Ways to Manage Your Home Loan

3 Simple Steps for Effective Home Loan Management

Once you have acquired a Home Loan, the next step is the repayment process. Depending on the type of loan you have taken and also the amount loaned, repayments can take anywhere between 2 to 20 years. This puts emphasis on immediately finding a smart way to manage your Home Loan.

In this article, we’ll take you through some tips to manage your Home Loan that will help you breeze through the repayment process.

Tips to Manage your Home Loan and Repayment Process

Make Use of Partial Pre-Payment

For most people, loan repayment becomes a priority over other expenses since the longer you take to payback the loaned amount, the more interest you will be charged. One way to ensure that your interest payment is kept to a minimum is by making loan payments in large chunks. Whenever you receive a salary bonus, a monetary gift from your family, or gain some profits from your investments, it would be wise to use the extra funds to make a pre-payment on your Home Loan. While there is a fixed cycle for the repayment process, banks usually don’t object to voluntary, unscheduled payment from the borrower.

Making a partial pre-payment not only brings down your total outstanding debt, but also ensures that you are saved from shelling out additional money for interest payments.

Increase Your EMI

An Equated Monthly Instalment or EMI is the most common method of Home Loan repayment. Basically, EMIs are fixed payments made by the borrower to the loaner at a particular date each month. They are used to pay back the principal amount and the interest charged so as to finish the loan repayment over a specified period of time.

Managing Home Loan EMI’s easily can make all the difference between a relaxed loan repayment experience and a troubled one. To ensure that you complete the process quickly, try increasing the amount you are paying with each EMI. By doing so, you can cover more ground on the repayment process and also cut down on your interest payments. EMIs can be increased by making use of funds that are going into any endowment insurance plans you have taken, or by simply cutting down on your additional expenses and diverting that money into the EMI.

Shift to a Lower Interest Rate

Interest rates have a tendency to fluctuate and as borrower, you need to be aware of current percentages since switching to a bank that offers lower interest rates can help you cut down on additional interest payments.

Different banks reduce their rates at different times due to varied interest rate reset periods. So, looking out for banks that reduce their Home Loan interest rates at the earliest can be quite profitable for you. But make sure that you don’t make the switch too many times or for minor interest rate differences since each time you switch to a different bank, you will have to partake in the verification processes and legal paperwork all over again.

Another way to manage your Home Loan effectively is by opting for a financier that offers the flexibility to make the changes mentioned above. You can give the Home Loan services at Bajaj Finserv a shot for a smooth, economical experience.

<< Click here to Calculate your Home Loan Savings >>

<< Click here to Apply for Home Loan Balance Transfer >>

Reasons Why You Need to Apply for Home Loan

Here’s Why You Should Opt for a Home Loan

Building or owning a home is something that many Indians dream of. But very few are capable of building their own houses without financial aid, and that’s the main reason why Home Loans are so popular in our country. If you’re thinking of getting your own house, then you may be wondering about the advantages of taking a Home Loan.

Few Reasons Why You Need to Apply for Home Loan

Flexible Repayment Schedules

Home Loans last for long periods of time, usually exceeding 10 years. This means that you can plan your repayment in an appropriate manner, taking the long tenure into consideration. You can also choose to close your loan before its tenure by prepaying the remaining debt. However, your lender may levy prepayment charges, depending upon the terms of your agreement.

If you’re not too keen on paying that extra money, then you should opt for a Home Loan with a prepayment facility. Bajaj Finserv, for instance, charges you absolutely nothing if you decide to foreclose your Home Loan.

Rake in the Tax Benefits

By taking a Home Loan, you become eligible for certain tax benefits that can save you some serious cash. According to Section 80C of the Income Tax Act, 1961, any principal repayments up to INR 1 lakh are tax-deductible every year. However, this rule applies only to residential property owners.

You can also seek tax deductions on the interest payments you make, restricted to a maximum of INR 1.5 lakh per annum. Even the processing fee which you pay while applying is treated as interest, meaning that you can deduct it from your taxable income. This is another reason why should apply for Home Loan.

Choose the Interest Rate that Suits You Best

A Home Loan comes with either a fixed interest rate or a floating interest rate. A fixed interest rate is set at a certain figure when you take the loan, and remains the same till its completion. A floating interest rate, on the other hand, fluctuates according the prevailing market conditions. Depending upon your requirements, you can choose between a fixed-rate loan or a floating-rate loan.

It’s undoubtedly important to consider Home Loan interest rates before reaching a decision. Check out the attractive funding options that Bajaj Finserv provides. This company offers Home Loans at the lowest interest rates in the country.

Rapid Capital Appreciation

Judging by the demand for quality housing in India, a real estate investment can turn out to be quite lucrative for you in the long run. Rents as well as construction costs have been rising relentlessly over the past few years, and this trend is likely to continue in the future.

You can also apply for a Home Loan over the internet, from the comfort of your own office or house. It doesn’t take much time to obtain an online Home Loan in India. For instance, Bajaj Finserv approves your online Home Loan application in just 5 minutes. Moreover, if you’re a salaried individual, you incur a processing fee of only 0.8% when you apply online.

With the right Home Loan, it’s possible to materialise the house that you’ve always dreamt of.

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

<< Click here to Calculate your Home Loan EMI >>

<< Click here to Apply for Home Loan >>

Sometimes all you need is a loan

In today’s world, people have begun focusing on laying the foundation for better futures. What that entails is a solid goal on how you as an individual can create the tomorrow you want. Personal loans in India have become an aid to that dream. These loans are smaller than home loans and come with a shorter term to settle. Generally used to finance a vehicle, renovation or vacation, these loans have grown in popularity around the globe. With Bajaj Finserv, you can even apply for a near-instant Personal Loan Online, for that is how popular these financial aids are.

What Does a Personal Loan Come with?

With a personal loan, there are a few elements you will need to consider before diving in. One such factor is personal loan interest rates. As the term suggests, this is the interest rate you pay for the amount of the loan, which is usually an annual percentage of the sum. You wouldn’t want to end up paying the equivalent of the sum you borrowed as interest and sometimes that can happen with high interest rates. With loans, the key to choosing the right financier lies in the rates they offer. The folks at Bajaj Finserv, for instance, offer you an overview of the fees and rates they charge for each loan bracket.

Calculate Your EMI
Once you have decided on the amount you need sanctioned and the institution you will be going with, you will need to calculate the “Equated Monthly Instalment” amount that you will put aside and pay off every month. The various fields in a personal loan EMI calculator consist of the total sum of the loan, the interest rate, and the tenure of the period you have to pay it off.

Can You Get a Personal Loan?
Now let’s get to the criteria you will need to meet to be able to apply for your loan. The personal loan eligibility check-list is different for each institution. With Bajaj Finserv, if you are a salaried professional residing in specific cities and if your monthly income is within a certain bracket then there is a good chance you are eligible for a personal loan.

The Paperwork Needed for a Loan
There are a few documents required for personal loans, which you will need to ready before you take things forward.

Identity and Age Proof with Photo
This is so officials can see you are indeed an actual person and not impersonating someone else. Your passport, PAN card, voter’s ID, or driving license would be ideal.

Address Proof
The institution would need to see proof that you are a resident of the city. In case further correspondence is needed, a permanent address would be ideal. A utility bill, passport, or ration card would do for this.

Employment and Income
To show that you are employed at a company and are receiving a monthly salary, these documents will need to be produced to the financier.

Financials and Bank Statement
For some institutions like Bajaj Finserv, the salary slips for three months prior to the application of the loan will need to be added to the list of required documents. Along with the slips, you will need to show the bank statement for you salary account, which could vary from 3 months to 6 months.

Once you have checked the points on the eligibility list, got your documents in order, and picked the right financial institution, you are all set to build your dreams. With the right interest rate and strategy, your personal loan could be the answer to all your prayers.

<< Click here for a 5-minute online Personal Loan approval >>

<<Click here to check your Personal Loan eligibility>>

<< Click here to Apply for our 100% Online Buisness Loan >>

<< Click here for a 5-minute online Home Loan approval >>

<Click here to check your Home Loan eligibility>>

Fix your cash scarcity with an Online Personal Loan

We live in a progressive economy and with it comes a higher standard of living which increases your need for money. Earlier, when you needed a loan or needed to pay your credit card bill, you would have had to spend a long time at the bank just to get your money. The age of the Internet has made things easier for us and has made banking that much simpler. So if you are ever in need of money in an emergency or otherwise, online personal loans are readily available. The best part is to apply for a personal loan you don’t have to fill in several forms and wait in line. It can be done from the comfort of your living room.

Why are Online Personal Loans Popular?
The concept of online personal loans has superseded ordinary loans and there are specific reasons why they are taking over the world of banking. If you are ever in need of money in an emergency then these loans will be given to you in no time. The process of applying and receiving a loan is convenient; you could be anywhere and do it at any time. All you need to apply for a personal loan is a computer and a working internet connection.

Personal loan service providers never ask too many questions or place too many terms and conditions on the use of the funds. You could use the cash for any number of personal scenarios like a wedding, vacation, or just to buy something nice for yourself. You could get your money in less than 24 hours especially in an emergency situation. To get a personal loan in India you could approach lenders like Bajaj Finserv that offer personal loans of up to 25 lakhs in about 5 minutes. Personal loans are easier to pay off than traditional loans and do not have a stipulated repayment time period. Also personal loans are easier to obtain and suited for a quick cash grab.

The Right Time to Apply

If you are wondering about the right time to apply for a personal loan, there is no specific time as such. You can apply for a personal loan at any time and there is no special criteria needed. You should, however, ensure that you have a good credit score first.

Thinking about how to get a personal loan? It’s really not hard. There are a number of options that you can choose that will benefit your situation. If you have a credit card but no assets and need a large amount of money in a short time you could get a personal loan. Lenders also provide loans for industry like FLEXI loans from Bajaj Finserv, that allow you to pre-pay and drawdown cash with a self-serve set up. Withdrawing cash from your card is more expensive than a personal loan and you could save a lot of time and money with an instant personal loan. There is no long and stressful documentation or payment process and the rates are considerably lower.

Apply for Personal Loan Check your Loan Eligibility Calculate Your EMI

The great Flash Sale on Doctor Loan by Bajaj Finserv

Looking to revamp your clinic? Require new medical supplies to get things started?

What you need is a doctor loan.

Bajaj Finserv offers this unique service to doctors and medical professionals looking for funds to provide better medical services and treatment facilities. Further, Bajaj Finserv is holding a ‘Flash Sale’ on Doctor Loan till the 1st of July. Let’s take you through the doctor loan offers available right now at Bajaj Finserv.

Sky’s the Limit with Bajaj Finserv

With doctor loans up to INR 45 lakhs on offer, you can take your practice to unprecedented heights. Bajaj Finserv provides you the means to purchase all the equipment and infrastructure that you deem necessary for your practice. Also the new deals on doctor loan give you an assured gift card if you meet certain terms. Here’s the low-down:

  • If your final disbursed amount is between INR 3 lakhs to INR 4.99 lakhs, you’ll get a gift card worth INR 5000.
  • If your loaned amount crosses INR 5 lakhs, you’ll get a gift card of INR 10,000.

So, figure out your exact requirements before you go with the loan and you just may get a free gift card in return!

It’s All Online

Think about all the times you stood in line for hours to get your loan application, or any document for that matter, processed. Well, you can say goodbye to that thought with the online approval process of Bajaj Finserv. From submission to approval, everything is done online. The best part? Once your loan is sanctioned, you get an online account that holds all the relevant information and keeps track of the repayment process for you.

Say Goodbye to Guarantors

Another benefit that sets Bajaj Finserv apart from the rest is that you don’t have to provide any guarantor or collateral to get a doctor loan approved. This negates the entire hassle of finding the right person who is willing to pay the debt in case you fail to do so. Also the risk associated with taking such a loan is greatly reduced without the involvement of any collateral.

Repay Quickly with the Part Prepayment Facility

We welcome repayment of the loan for up to 6 times a year. But remember to make each prepayment amount not less than the value of 3 EMIs. Also, this feature is available to you only after the first EMI has been successfully paid.

Choose How You Repay

Bajaj Finserv offers you the opportunity to decide on how long you want the loan tenure to last. You can choose any period between 12 months to 60 months, depending on your financial condition. This sort of freedom brings you a new level of convenience and comfort, rarely offered by financiers.

If you choose to go with the offers on physician loan by Bajaj Finserv, remember that the loan will be disbursed by 15th July. Submit all the necessary documents before this date to ensure that your loan is disbursed with no hassle.

<< Click here to Apply for our Doctor Loans up to Rs 45 Lacs >>

Here’s how to pass the income verification test!

The current economic situation of India shows a sharp increase in the number of people opting for loans to meet their needs. Some want to own an asset while others have immediate personal needs. A loan amount is directly related to the borrower’s income and therefore the key question that governs the situation is how do lenders verify income?

Customer Segregation for Loan
Loan benchmarks are not the same for all individuals. Customers are classified into a multitude of segregations. But here we will only take into account two possible and generalised differentiations of salaried employees and self-employed customers. The distinction will further make it easy for us to analyse how the dynamics of loan approval mechanism works for the end consumer. Also Read: How much credit score is needed to apply for a Home Loan?

Steps of Approval
The first step to getting a loan approved and understanding how do lenders verify income is by submitting the right kind of paperwork for the amount required. In case of a Personal Loan, the documentation required is far less as compared to a Home Loan or Auto Loans. Also for personal loans, one can upload the documents online and get a quick approval after basic checks but in the case of a more elaborated loan, the process is a little longer with more steps involved including different kind of income verifications.

So how do loan companies verify income? Below is a list of documents you must provide to the lender. Once these are thoroughly vetted, the next step is the verification of these documents which begins with checking an individual’s credit rating. Also Read: Great ways to improve your credit score in India

  1. Latest credit score
  2. Bank Statement
  3. KYC Document
  4. Registration Papers
  5. Income Statement
  6. Property Papers
  7. IT Returns
  8. Credit cards
  9. Auto Loans
  10. Home Loans
  11. Any other Loans

income-verification-test

How do Lending Institutes verify income?
Lending clubs before investing a certain amount of money in an individual ensure a person’s ability to repay. A good credit history is something that interests the lenders immensely. Your monthly / annual income, your present debts, and a clean title to the asset offered in case of bigger loans are some of the key criteria that the lender will research in detail about.

Key points that the lenders will probe into
Here are some key verification parameters that your lending organization will dig into:

  1. IT Returns: Do lenders verify tax returns? Indeed they do! Your tax return is one of the most important document (especially if self employed) in order to prove your capacity to repay. You will need to show IT Returns for the past three years. The average income of two to three years will judge the bearers ability to repay. A salaried individual also must show IT Returns.
  2. Current fiscal profit and loss statement: An in-depth analysis of the current year profit and loss account will justify if the self-employed bearer will be in a situation to repay or not. The health of your business is a parameter that your lending institution will be interested in.
  3. Salary Accounts: Do lenders verify bank statements to verify income? Yes they do! The bank will probe into the average earning capacity of a salaried personnel and their expenditure patterns to understand their ability to pay. It is mandatory to submit one’s salary statements to justify the loan that one has asked for
  4. Net worth of the bearer’s assets: The lender will assess an individual’s assets to undermine whether the loan is recoverable in case of any lapse or default. In case of self-employed, they assess the net profit, consider the value of your home, add depletion and depreciation, and calculate your income.
  5. Credit Report: The credit report is a testimony of one’s financial character and holds the records of every past dealing and present liabilities. An individual with a good and balanced credit record is a clear winner in such a case.

Banking institutions and lenders do their homework thoroughly and it is recommended that you provide documentation with complete transparency. Ensure you monitor your finances in order to pass the lender’s verification test for a quick approval as well as to qualify for a good rate of interest.

<< Click here for a 5-minute online Personal Loan approval >>

<< Click here to Apply for our 100% Online Buisness Loan >>

<< Click here for a 5-minute online Home Loan approval >>

<Click here to check your Home Loan eligibility>>

Timing Right With Home Loans

Getting Your Timing Right With Home Loans

Owning a house gives an individual a sense of independence and achievement. Whether your dream is to construct a house on a plot with a garden or to redecorate your cozy apartment overlooking the ocean, you require the right amount of funding. Obtaining the right kind of loan is a process that requires you to do your research well and make the right choices along the way. A Home Loan must fit your budget, your ability to repay and your preferred timeline.

The various types of loans available are home purchase loans, land purchase loans and home construction loans. There are various types of Home Loan interest rates available as well such as a floating interest rate and a fixed interest rate. In a floating interest rate, the interest rate changes with market fluctuations. And a fixed interest rate remains the same over the course of the loan.

A key deciding factor while taking a Home Loan is the tenure i.e. the duration of the loan so that it is easy for you to make your payments and be in good graces of the lender. While refinancing your loans at a later stage, or foreclosing your Home Loans are options available to you as well, the tenure is critical in deciding the length of your financial responsibility. Let us look into a few key areas while deciding whether you want a 5, 10, 15, or a maximum Home Loan tenure such as a 25 year Home Loan.

Key Factors While Choosing Home Loan Tenure

  • Your Age Factor:

    Age is a very important factor while deciding on a Home Loan because your loan tenure is directly proportional to your earning years. Some lenders have withdrawn the option of loan payment post retirement. So make sure that your age criteria is covered. In some cases, you can allot a younger applicant to continue paying your loan after retirement.

  • Income:

    Your income dictates your ability to pay back the loan. This directly affects the term and longevity of your Home Loan. To get the best Home Loan tenure, be mindful of the amount you are borrowing keeping your income in mind. Sometimes, individuals take a higher EMI but a shorter term loan. Considering a large chunk of your EMI will be deducted straight from your salary, this could be a risk factor for some. Do keep in mind the number of years you may require to safely pay off a loan while also maintaining a safety net in place for unexpected expenses such as a medical situation or a wedding in the family.

  • The Reason Behind Your Loan Application:

    There could be many reasons as to why you are thinking of obtaining a Home Loan. For investors, a short term loan is less expensive and long term loan becomes draining on the pocket. If your aim in buying a house is to sell it for a profit, then opting for a minimum Home Loan tenure will provide a better return on investment compared to a longer loan term.

In order to ensure you are getting a good loan, ensure you follow these rules as these factors decide the tenure of your Home Loan which will directly affect your finances:

  • Ensure You have Flexible Options of Repayment:

    You never know when you might face a financial crisis.

  • Ensure that the Interest Rates are not Very High:

    Always compare the rates of different banks and opt for an interest rate that suits your convenience. Try to avail a good interest rate that may reduce your EMI and loan tenure.

  • Earnings Determine the Type of Interest Rate:

    Always choose between fixed and floating interest rates according to your earning.

  • Think of Including a Co-Signer:

    Sometimes it is good to allot a co-applicant who can continue paying the loan after you, just in case you run out of money.

  • Loan Type Based on Your Purpose of Purchase:

    There are certain loans that offer money for the improvement of your house like interior designing, reconstruction, and renovation. In such cases one should opt for loans specific to these purposes only.

While deciding on how to reduce your Home Loan tenure, ensure you review the final draft of a legal document as it can be incomprehensible. It is better if one discusses each point (including the tenure) with a loan expert from the lending institution in order to understand each and every clause.

These are the key points that you should remember while deciding on a Home Loan tenure. Taking all these into consideration along with aiming for the best possible tenure of your Home Loan, you are sure to get a good deal.

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