For most prospective homeowners, availing of a Home Loan can be a good financing option to buy a house. Home Loans involve a large sum of funds, thus lenders perform due diligence and verification before approving the loan. However, this may take some time. Thus, if one understands the various aspects of housing finance and prepares for it in advance, it can guarantee swift and smooth Home Loan approvals.
How Can I Get a Home Loan Fast?
Interested individuals must follow these smart tips to get a Home Loan faster:
Know Your Financial Limits
Most lenders will have a minimum income requirement which will vary with each city. See if you have the requisite funds to obtain a Home Loan and repay the EMIs each month.
Make a Bigger Down Payment
Try to pay a large down payment so that you can borrow a smaller loan amount to make the EMI repayments easier. Lenders may offer a better housing loan interest rate to such borrowers.
Maintain a Healthy Credit Score
Lenders will first check your credit score when you apply for a loan to assess how well you handle your finances, investments and past credit, and how much you can pay on the proposed loan. A clean credit record helps you maintain a good credit score of 750 or above, which is typically considered a good credit score.
Get a Financial Co-Applicant
Bring an earning member of the family on board as your Home Loan co-applicant. The combined income of both applicants will raise your spending potential and financial standing.
Fill out the Application Correctly
Provide accurate information in your application form leaving no room for errors and attach the correct set of documentation as required.
Advantages of Applying for a Home Loan Online
Online Home Loan application speeds up the loan process. One can fill and submit the form in minutes. Some lenders even guarantee Home Loan approval in 10 minutes*, where one may receive a pre-approved offer and an in-principle sanction letter with loan details such as the interest rate and loan amount among others.
Apart from this, if you are planning to transfer your existing Home Loan or avail of a new one, you could further apply for a sizeable Top-up Loan online, provided you fulfil the lender’s Home Loan Top-up eligibility criteria.
Lenders offer free access to online financial tools so that applicants have a better understanding of their Home Loans when they apply. They may also extend pick-up services of documentation from your doorstep for speedier approvals. Even after you obtain the loan, you can securely track your loan account and payments through the lender’s customer portal or mobile app.
Step-by-Step Guide to Apply for a Home Loan Online
While some lenders may have minor variations in their housing loan procedures, the standard process is outlined below:
1. Submit the Application Form and Attach the Documents
The loan process begins with the application form. You need to provide all the information as asked such as your personal details, address, income details, educational qualifications, employment details, property details, and estimated cost of the property. Next, you have to attach certain documents which include:
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Mandatory documents such as PAN card or Form 60
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Proofs of income, identity, age and address
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Employment details
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Educational proof (school/diploma/degree certificate)
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Bank statements
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Property details (if finalised)
Note: This is an indicative list of documents. Additional documents may be requested at the time of loan processing.
Additional Read: Complete Checklist of Documents Required for Home Loan
2. Pay the Processing Fee
Lenders may levy a processing fee on your Home Loan, which can go up to 4% of the loan amount, along with GST as applicable.
3. Discussion with the Lender
The lender may discuss your requirements and repayment abilities at length as they begin processing your application.
4. Document Validation
A representative from the lender’s office might visit your residence and/or office to verify the details furnished in the loan application:
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Residential and workplace address
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Employer credentials
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Workplace contact number
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Residential contact number
5. Sanction/Approval Process
Thereafter, your lender will minutely evaluate the following:
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Your age, qualifications and experience
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Previous transactions with the lender
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Monthly and yearly income
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Current employer/company and type of job
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Nature of business (for self-employed applicants)
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Loan repayment ability with the set interest rate
If the lender is satisfied with all the details, they will approve your application.
6. Processing the Offer Letter
Once they finalise the loan amount, your lender will send you an official sanction letter containing:
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The loan principal to be sanctioned
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Interest rate on the loan amount
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Tenor details
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Terms, conditions and policies of the loan
Upon receiving the offer letter, the applicant has to sign the offer letter showing acceptance of the loan terms. One should read the document carefully. Verify and renegotiate the interest rate, if required, or any other terms that may not be acceptable to you.
Additional Read: Home Loan Disbursement & Sanctioning Process
7. Legal Verification of Property and Related Documents
The lending institution will carry out a legal check of the property and authenticate the documentation. All original property documents remains with the lender as security until the loan is repaid in full.
8. Technical Check and Site Estimation
Property experts will survey the property inspecting its stage of construction, work progress, quality, completion time, layout, requisite NOC and permits from the authorities, market price, and environmental areas. In case of a resale or ready flats, they will scrutinise the building age, quality, maintenance, surroundings, valid permits and approval plans.
9. Drafting the Loan Deal
Your lender will estimate the current value of the property after inspection and finalise the loan deal. Then they will draft the official loan documents, stamp and sign them.
10. Signing the Loan Agreement
Once the paperwork is in place, the applicant has to sign the loan agreement.
11. Loan Disbursal
After the agreement is signed, the lender disburses the loan.
Additional Read: Common Myths About Home Loans: All You Need to Know
To Conclude
Whether you apply for a Home Loan offline or online, the application process remains the same. The latter can let you apply for a Home Loan without visiting the lender’s branch office through the efficient use of digital lending platforms. Online lending has simplified Home Loan applications and all related procedures to a large extent allowing easy access to safe and secure credit information, transactions and regular account updates.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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home+loan Home Loan
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Get a Home Loan Without Visiting Branch: A Step-by-Step Guide2024-03-20 | 4 min
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home+loan Home Loan
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Complete Guide to Securing a Attractive Interest on Home Loans2024-01-23 | 3 min
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loan+against+property Loan Against Property
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Understanding the Fees and Charges on Your Loan Against Property2024-02-16 | 8 min
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cibil Cibil
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Here’s What You Can Do to Improve Your CIBIL Score2023-03-16 | 4 min
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home+loan Home Loan
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Home Loan Refinancing: What, Why, and Things to Remember2024-06-17 | 5 Min
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tax Tax
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How to Avail of Tax Benefits on a Loan Against Property2024-06-13 | 5 Min
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cibil Cibil
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Top 10 Reasons For Low CIBIL Score & How To Improve It2024-03-01 | 5 min
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home+loan Home Loan
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5 Great Ways Women Can Benefit from Taking a Housing Loan2024-01-16 | 5 min
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loan+against+property Loan Against Property
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Top Benefits of a Loan Against Property Over Collateral-Free Loans2024-01-09 | 4 min
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cibil Cibil
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Five Reasons Why a Bad Credit Score Could Lead to Loan Rejection2024-01-22 | 5 min
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cibil Cibil
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How Does Your Digital Footprint Affect Your CIBIL Score?2024-03-20 | 5 min
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cibil Cibil
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How Can I Get My ECN Number in CIBIL?2024-01-09 | 5 min
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home+loan Home Loan
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What is Foreclosing a Home Loan? These are Some of the Do’s and Don’ts2023-12-20 | 6 min
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tax Tax
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10 Useful Income Tax Deductions for FY 2022-232024-02-21 | 6 min
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home+loan Home Loan
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All You Need to Know About Home Loans2023-01-19 | 5 min
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cibil Cibil
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Ways You Can Improve your Credit Score for a Small Business2023-03-01 | 5 min
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tax Tax
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5 Tax Savings and Other Advantages You Can Get When You Apply for Home Loans2024-02-14 | 6 min
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cibil Cibil
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Reasons Why Your CIBIL Score Is Going Down2024-04-10 | 4 min
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Checklist of Documents Required for Home Loan2024-02-07 | 5 min
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home+loan Home Loan
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How to Get a Housing Loan Approved Instantly?2024-04-10 | 5 min
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home+loan Home Loan
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What Is a Pre-Approved Home Loan and How Should You Get It Done?2024-03-12 | 5 min
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tax Tax
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Should You Get a Home Loan to Save Your Taxes?2024-02-01 | 3 min
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home+loan Home Loan
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How to Pay Off Your Home Loan Quicker2024-03-11 | 4 Min
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cibil Cibil
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How Business Loans Affect Your CIBIL Score & How to Improve the Same2024-03-13 | 6 min
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loan+against+property Loan Against Property
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Short vs. Long Loan Against Property Tenor - Which Is Better?2024-05-07 | 4 min
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home+loan Home Loan
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Consider These Factors Before Foreclosing Your Home Loan2024-04-16 | 3 min
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tax Tax
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What is a Property Tax in India and How is It Calculated?2024-03-13 | 4 min
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loan+against+property Loan Against Property
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Understanding the Fees and Charges on Your Loan Against Property2024-04-10 | 6 min
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cibil Cibil
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How Does Missing One Payment Affect Your CIBIL Score?2024-05-15 | 4 min
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cibil Cibil
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Ways to Improve Your Credit Score with a Credit Card2024-02-02 | 4 min
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cibil Cibil
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What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
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cibil Cibil
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How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
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How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
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How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
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How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
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How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
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What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -1