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What is a home loan and how salaried person can find it,

a salaried person takes a home loan from a bank to buy a house,

अगर बैंक के पैसे से होम सेल डीड की है, तो उसे सरल भाषा में होम लोन कहा जाता है।

Who can apply for a loan FOR a home At the time of applying for a loan

the age of the salaried person applicant should be between 21 years to 60 years for a home loan,

  • he should be at least 2 years on the current job, This is a basic requirement for a loan

each bank and non-banking finance company has different requirements for giving a loan 

What is a home loan and how salaried person can find it,

The main requirement for a loan the person taking a loan should have a CIBIL score of 650 and no loan should be overdue. maximum of 90% of the value of the property can be availed of loans and 65% of the income.

SO person has a minimum of 20000 salaries to get a loan from the bank

This is a list of documents for a salaried person to apply for a loan.

  • k.y.c. A> pan card B> aadhar card, 6 months salary slip, 
  • 1-year bank statements all saving accounts,
  • residence proof if a house is rented so submit a valid rent agreement
  • appointment letter, form 16 or I. T. R., 2 passport size photos

होम लोन एक ऐसी सुविधा है जो एक व्यक्ति को हर महीने बैंक से या निश्चित ब्याज दर पर nbfc से ईएमआई के साथ चुकानी होती है। but some nbfc ALLOW 15000 SALARY

Home loan देने वाला बैंक या बैंक ऋण अवधि तक सुरक्षा के रूप में संपत्ति के साथ एक बंधक रखता है।

आपकी उम्र के आधार पर, अधिकतम 30 वर्षों के लिए ऋण approve किए जाते हैं।

RBI circulars banks are not allowed to charge prepayment penalty or floating rate of the loan




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