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Housing Loan


Shanky Finance About Home Loan Are you sure to buy a property of your choice? Is that property worth investing into? Is it right time to invest in a property? All these questions come to your mind when you start thinking to buy a property. Buying a new home or finding a suitable place to fit into your family requirement is surely a tiring job. Especially, with skyrocketing property rates, it is not possible to buy a property with your savings alone. You need to take a home loan from banks or any financial firms so as to fulfill your dream home wish. With plenty of lenders available in the market, it is easy these days to avail a home loan whether you are salaried or self-employed business/professional with a regular source of income. But before taking this crucial decision, you should remember that home loan is a financial liability for a longer period, which will affect your overall monthly budget and savings. You should not forget that you are going to take this loan for at least 10 years to a maximum 30 years. So, don't follow the rat race, think before you avail a loan and take a calculative decision.

Home Loan Interest Rates

When it comes to taking a home loan, there is no denying of the fact that interest rate is one of the most crucial factors that you need to consider. Whenever, you avail a home loan, before availing the same always compare the rates offered by different lenders so as to crack a best deal. Home loan is a long-term commitment, so availing the same at lower interest rates can make a huge difference in the long run. Higher your interest rates are, the more burden will be on your pocket and vice-versa. You can avail a home loan either on fixed or floating rate of interest. If you take a loan on floating rate, your interest rate may vary in the future, whereas it will remain the same, if taken on a fixed rate of interest. Home loans available on floating rates are based on revision of MCLR by banks at regular intervals. If any change in MCLR takes place, it will reflect in the floating rate. Below is the table showing interest rates of home loan offered by different lenders.

What Documents are required for procuring a Housing loan in India?

(I) ID Proof
(II) Employment/Salary Proof
(III) Ownership Proof of Residence or Office
(IV) Bank Statement 6 Months
(V) Latest ITR of Co-Applicants – For last 2 Years
(VI) Proof of Continuity Of Business/Service
(VII) CA Certified or Audited P/L Acc Statement and for >40 Lacs cases Audit report along with schedules of P&L and Balance Sheet – for last 2 years
(VIII) Address Proof
(IX) ITR & Statement Of Computation of Income – for last 2 Years

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