HOW TO APPLY AND AVAIL HOME LOAN INSTANTLY FROM ANY BANK
Home loan
Friends, our topic today is how to take home loan
In today's time, it is not so easy to do any work. If inflation, expenses and income are not mixed now, then later you would have saved so much money or savings that you could do something big, now you have to buy a house, then the car remains on its own and day by day Age gets out, children are giving, your income remains the same and expenses keep increasing day by day, now anyone can do it or do it.
In such a situation, if you want to buy a house, there is no way other than a loan.
Now taking a loan is not so easy and it is not difficult for those who know
So friends, in this post today, we will tell you how you can get any bank or private institution
Which we also call NBFC,
Friends, first thing comes what do you do because the interest rate of home loan is different for every person.
Friends, if you do a government job and you want to buy a house in an approved colony, then there is no problem, you will get a loan according to your eligibility immediately, how will your eligibility turn out, the bank will also tell you
Now this thing has happened to the government employees, who are ready to give any loan, also at very low interest rates.
Now let's talk about home loans for private job seekers, friends do not give loans to private jobs to government banks so much and especially when your job is better, if your salary comes to 20 thousand then government banks will give you a lot Will bother you and in the end you may not be given a loan or for some reason your application may be rejected.
Now there is an option left in this by private companies, that is, NBFC will make it your job as these rules are less as compared to government banks and there is a target of every month loan on the employees here which they have to fulfill and For which they help you in such a way as if they are taking the loan themselves, it is much easier to get a loan from NBFC than a government bank.
Now it comes to those people who do private job and they get salary cash then it is very difficult for them to take loan, government banks do not give loan to such people, most of the NBFC also does not loan to such people.
Now it comes to the people doing business, they can do any work of anyone, whether it is a grocery store (KIRYANA STORE) or any other work, NBFC gives loan to everyone, which also makes eligibility
Now let's talk about what documents you need to take a loan (DOCUMENTS)
Keep in mind that you need at least two people to take a home loan,
Normally, whose income we take and in whose name we have applied loan is called applicant and whoever comes along in another loan is called CO-APPLICANT,
CO-Applicant can be anyone in your house, like husband, wife, brother, mother, or your father
If you are salaried, that is, you do some job and your salary comes in your account.
DOCUMENTS OF APPLICANT
Salary Slip of last three months
Bank statement of the last 6 months in which your salary comes, (UPDATED BANK STATEMENT)
Your joining letter
Aadhar Card
PAN CARD
2 photos
1 processing fee check
Documents of co-applicant
Aadhar Card
PAN card, Form 60
2 photos
Apart from this, if you buy a finished house, then you have to give a photo copy of its papers to the bank or NBFC (private company).
If you do some work and you have ITR, bank details, old bill and your complete record then
For applicant
Aadhar Card
Pan Card
GST Number
Firm stamp
Firm's bank account
Last 3 years ITR with PROFIT & LOSS STATEMENT
2 photos
1 Check for processing fees
Last one year bank statement
Co-applicant
Aadhar Card
Pan Card
2 photos
Apart from this, if you do not have GST NUMBER, or any kind of registration, and you do not even have a bank account, then NBFC still gives you a loan, only the condition is that your work is good, for this one in NBFC There is a kind of policy which is called SUVIDHA PROGRAME, inside it you get a loan, but it has a higher interest rate and this loan is for a maximum of 15 years,
Now tell you how your eligibility turns out, so that you or the bank will know how much loan you will get.
If your work is MONTHLY INCOME, 50000 then 50% of the income will be taken as normal, you can install it
For example, if your monthly income is Rs 30000 and you need a loan for 20 years, then whatever your interest rate is
30000/2 = 15000
For this, there is an app by the name of EMI calculator in your mobile's GOOGLE PLAY STORE, you can find it by downloading it, your kitna loan will be
This way you can check eligibility of anyone
If your income is more than 50000, instead of 50%, the bank or NBFC (private company) believes that you can withdraw 60% of your income for your installment.
For example, if your MONTHLY INCOME is 60000, then
60000 * 60/100 = 36000
So friends, this was complete information about home loan, if you have any question, you can ask in the comment box.
Friends, our topic today is how to take home loan
In today's time, it is not so easy to do any work. If inflation, expenses and income are not mixed now, then later you would have saved so much money or savings that you could do something big, now you have to buy a house, then the car remains on its own and day by day Age gets out, children are giving, your income remains the same and expenses keep increasing day by day, now anyone can do it or do it.
In such a situation, if you want to buy a house, there is no way other than a loan.
Now taking a loan is not so easy and it is not difficult for those who know
So friends, in this post today, we will tell you how you can get any bank or private institution
Which we also call NBFC,
Friends, first thing comes what do you do because the interest rate of home loan is different for every person.
Friends, if you do a government job and you want to buy a house in an approved colony, then there is no problem, you will get a loan according to your eligibility immediately, how will your eligibility turn out, the bank will also tell you
Now this thing has happened to the government employees, who are ready to give any loan, also at very low interest rates.
Now let's talk about home loans for private job seekers, friends do not give loans to private jobs to government banks so much and especially when your job is better, if your salary comes to 20 thousand then government banks will give you a lot Will bother you and in the end you may not be given a loan or for some reason your application may be rejected.
Now there is an option left in this by private companies, that is, NBFC will make it your job as these rules are less as compared to government banks and there is a target of every month loan on the employees here which they have to fulfill and For which they help you in such a way as if they are taking the loan themselves, it is much easier to get a loan from NBFC than a government bank.
Now it comes to those people who do private job and they get salary cash then it is very difficult for them to take loan, government banks do not give loan to such people, most of the NBFC also does not loan to such people.
Now it comes to the people doing business, they can do any work of anyone, whether it is a grocery store (KIRYANA STORE) or any other work, NBFC gives loan to everyone, which also makes eligibility
Now let's talk about what documents you need to take a loan (DOCUMENTS)
Keep in mind that you need at least two people to take a home loan,
Normally, whose income we take and in whose name we have applied loan is called applicant and whoever comes along in another loan is called CO-APPLICANT,
CO-Applicant can be anyone in your house, like husband, wife, brother, mother, or your father
If you are salaried, that is, you do some job and your salary comes in your account.
DOCUMENTS OF APPLICANT
Salary Slip of last three months
Bank statement of the last 6 months in which your salary comes, (UPDATED BANK STATEMENT)
Your joining letter
Aadhar Card
PAN CARD
2 photos
1 processing fee check
Documents of co-applicant
Aadhar Card
PAN card, Form 60
2 photos
Apart from this, if you buy a finished house, then you have to give a photo copy of its papers to the bank or NBFC (private company).
If you do some work and you have ITR, bank details, old bill and your complete record then
For applicant
Aadhar Card
Pan Card
GST Number
Firm stamp
Firm's bank account
Last 3 years ITR with PROFIT & LOSS STATEMENT
2 photos
1 Check for processing fees
Last one year bank statement
Co-applicant
Aadhar Card
Pan Card
2 photos
Apart from this, if you do not have GST NUMBER, or any kind of registration, and you do not even have a bank account, then NBFC still gives you a loan, only the condition is that your work is good, for this one in NBFC There is a kind of policy which is called SUVIDHA PROGRAME, inside it you get a loan, but it has a higher interest rate and this loan is for a maximum of 15 years,
Now tell you how your eligibility turns out, so that you or the bank will know how much loan you will get.
If your work is MONTHLY INCOME, 50000 then 50% of the income will be taken as normal, you can install it
For example, if your monthly income is Rs 30000 and you need a loan for 20 years, then whatever your interest rate is
30000/2 = 15000
For this, there is an app by the name of EMI calculator in your mobile's GOOGLE PLAY STORE, you can find it by downloading it, your kitna loan will be
This way you can check eligibility of anyone
If your income is more than 50000, instead of 50%, the bank or NBFC (private company) believes that you can withdraw 60% of your income for your installment.
For example, if your MONTHLY INCOME is 60000, then
60000 * 60/100 = 36000
So friends, this was complete information about home loan, if you have any question, you can ask in the comment box.
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