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We have properties for sale listed as axis bank approved bangalore, from just The project is approved by leading financial institutions including Axis Bank. Jobs 1 - 20 of 20 Apply Axis Bank Jobs in Mansa on Wisdomjobs. Search for current job openings, fresher's walkins of Axis Bank and Gynecology, Gynaecologist (Only Females) Stores officer ( Yrs)SVC Projects Private Limited, Visakhapatnam .. Sap Grc Jobs In Bangalore · Graphics Jobs In Bangalore. ✓Quick Approval ✓Check Eligibility ✓EMI Calculators ✓Support Till closure of Please Find the Detailed Axis Bank Lease Rental Discounting Loan Interest Banking, corporate advisory services, placements and syndication, project . Bangalore Loans Kishore Sagar is an artificial picturesque lake dating back to

Those who are ready to take minimal risk and intend to avail the advantage in the long run can avail floating rate of interest.

Floating rate of interest is more beneficial in the long run. Expert Advice Best Practices for Home Loan Buyer has to ensure sufficient due diligence before finalizing the property. Certain aspects like builder credibility, availability of required approvals, and legal clearance of property to be checked before buying a property. Though it costs little extra it is advisable to get the assistance of experts for buying a property. This will help in avoiding costly mistakes.

Calculate and plan the total expenditure involved in purchasing a property. Apart from the cost of the property there are other related expenses like stamp duty, loan application charges, processing fee, valuation fee, legal fee etc which need to be meet from own funds of the buyer.

It is to be ensured that sufficient cash reserves are available to meet these expenses. Based on your earning and repaying capacity decide the home loan amount to be taken. The various factors to be taken into consideration include your income, fixed obligations, remaining work experience, future growth prospects, future expenses like children education, marriage etc, other source of income, job related risks etc.

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This thorough analysis will help in taking right decision. This will help in not making a mistake of taking small loan when your income supports higher loan and taking high loan when your income do not support a huge amount. Improve your credit history.

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  • Why Home Loans?
  • Why Lease Rental Discounting?

Clearing of all overdue before applying for home loan will helps to improve the credit score. It is to be noted that your loans will not go into or 90 days delinquency which reduce the credit score.

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Loan dues to be paid before the credit card payments which have higher impact on the credit score then the credit card payment. Do hold all the documentation required for processing the loan in originals and copies. This will help in easy verification of documents and fast processing. Any change in the employment, changes in pay structure etc during the loan process to be intimated to the concerned officer who helps in avoiding disconnect.

Save the best possible amount from your income.

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This will help you in having the large down payment. During the tenure of loansave the income, which can be used for prepay of principal amount.

Ensure that there are no prepayment charges before making prepayment. Things not to do for Home Loan Do not avail any short term loans like vehicle loans, Home Loans, credit cards before going for a home loan. Any additional loan taken will reduce your Home Loan eligibility. Do not be very optimistic about your future income and make a choice of high loan amount. This will increase your worries and you make feel unsecured. Do not change your employer without knowing the impact on the approval of your Home loan.

Do not get into a contract with emotions, do proper research before taking a property and ensure it is right fit for you.

Do not jump into a conclusion, do the required homework before applying for home loan. Do not forget to read the small print, ensure to read all the terms and conditions before signing the agreements. Do not forget to make the payment of instalments. Ensure sufficient balance in the account to meet the EMI on a monthly basis.

Do not apply for a home loan only just you have eligibility. First select the property get the technical and legal cleared then go for the home loan. In case if you have applied for a home loan and it is sanctioned based on your income, subsequently property is not eligible under Bank norms you will end up losing the processing fee.

Mortgage loans will be provided based on already owned property. Under Home Loan, loan can be availed only for purchase of new property. There is no restriction on mortgage loan usage. It can be used for any purpose. Housing Loan will be provided for max of 25 years, some banks can extend it to 30 years also. Mortgage loans will be restricted to max of 10 years of term, which will be varying from bank to bank in India.

Any additional loan taken will reduce your Home Loan eligibility. Do not be very optimistic about your future income and make a choice of high loan amount. This will increase your worries and you make feel unsecured. Do not change your employer without knowing the impact on the approval of your Home loan.

Do not get into a contract with emotions, do proper research before taking a property and ensure it is right fit for you. Do not jump into a conclusion, do the required homework before applying for home loan.

Do not forget to read the small print, ensure to read all the terms and conditions before signing the agreements. Do not forget to make the payment of instalments.

Ensure sufficient balance in the account to meet the EMI on a monthly basis. Do not apply for a home loan only just you have eligibility. First select the property get the technical and legal cleared then go for the home loan.

In case if you have applied for a home loan and it is sanctioned based on your income, subsequently property is not eligible under Bank norms you will end up losing the processing fee. Apart from the loan the banks also take into account payment of your credit card bill record.

The nature of your job also plays a crucial role in determining the interest rate. So if you are working with a reputed organization then banks will be able to extend a cheaper rate of interest.

But if you are working with an organization that is not very well known then a higher rate will be charged. In case you have your own business then banks will give you a loan even if you are in an advanced age. On the other hand in case you are a salaried employee then a loan will not be extended if you are nearing the age of retirement. If you approach the bank where you already have a bank account and you are a valued customer then banks may give you certain leeway.

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This mean you can negotiate with the bank for a cheaper interest rate. Most banks agree to give a concession of 0. So next time you go around shopping for a Home loan, remember that these three points will affect the amount that the bank sanctions and the interest rate that it is levied.

In the next article we will cover more points that affect interest rates on Home loan. Other Benefits 1 Tax Benefits: In case home loan is take by two or more jointly then under sec 80C deduction is allowed on proportionate basis.

To increase the loan eligibility go for a joint loan. Combine your income with that your spouse or your parents. Loans must not be taken for holidays, investing in stocks, weddings, buying expensive gadgets etc.

In case of Bad credit score take a short term loan 6 months and repay it promptly and improve your score then. Have the property insurance and buy loan protector life insurance for unexpected future risks. Do not avail any short term loans like vehicle loans, Home Loans, credit cards before going for a home loan.

The main focus of the Banks is on your repayment capacity. They analyze how comfortably you will be able to pay the EMIs throughout the tenure of the loan. These ratios are expressed in percentage. IIR indicates the percentage of monthly home loan installment of the total income. These two ratios may vary based on actual salary details, years of experience, stability of income, professional qualification, future career growth prospects etc.

B Property legal and technical clearance: Banks will not finance all properties.

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Banks look into various aspects like type of property, locality, Builder etc. They have certain type of properties and localities classified as negative. Therefore before finalizing a property one has to check whether the property is eligible for funding.

Though it costs you little extra it is always better to check the legal and technical aspects before buying a property. Willingness to repay can be understood from ones past credit history and banking track. Before selecting the Bank the following are the few points to be understood.

All these will help you in selecting a right home loan lender for purchasing your dream home. What is Loan to value of the property? What is the EMI amount and repayment tenure allowed? What are the prevailing Interest rates and what is offered to you?

Last but not least do not forget that any default in payment of home loan installments is more costly than your regular rent payments. Any such default will affect your Credit history badly and you have to bear high penalty for the same. Mortgage loans will be provided based on already owned property. Under Home Loan, loan can be availed only for purchase of new property. There is no restriction on mortgage loan usage.

It can be used for any purpose. Housing Loan will be provided for max of 25 years, some banks can extend it to 30 years also. Mortgage loans will be restricted to max of 10 years of term, which will be varying from bank to bank in India. Home Loans interest will be as low as 9. Generally mortgage loans will be fixed interest loans. Home Loan customers can be eligible for Income tax deduction of Rs 1.

This would be in addition to the existing tax benefit of Rs 1. Also, it could result in maximum savings of Rs 30, If the money received from a mortgage loan is used for business purposes, the interest can be claimed as an expense on the balance sheet of the business.