Points to Know About Home Loan
The ownership of a house is one of the key signs of success among the fast-growing Indian middle class.
When granting a home loan, the lender uses your property (home) in order to secure the loan.
With the general people becoming more and more open to home loans, loan providers are coming up with better and more attractive home loans.
Home loan is a relatively broad category, as it not only includes a bank loan for purchasing a new or existing house.
Checking your eligibility prior before you apply for a home loan is a better option for it lets your understand your status of eligibility and know where you lack.
Apart from your financial strength your profile also effects how much the bank may agree to lend.
The co-applicant cannot be a minor, but should not be above a certain age as well.
As the name suggest, a fixed rate loan is where the interest rate doesn't change with market fluctuations.
So the EMIs also move up and down with change in base rate. Thought a fixed interest rate may seem more attractive in a high interest regime, experts advice otherwise for various reasons.
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