Foreclosing a Home Loan often amounts to a lot of relief. The process of Home Loan foreclosure is very simple. The effort of applying for a Home Loan, making a down payment, and paying EMIs each month — bears the most pleasurable fruit when you have full ownership of the house.
While you celebrate the achievements of owning a property, you need to complete certain tasks that have a direct effect on the credit score as well as the property records. Being diligent on this front will relieve you of hassles at the time of property transfer or sale. When embarking on the Home Loan foreclosure process, you should keep the following in mind.
Home Loan Foreclosure Checklist
A housing loan account is considered closed when the lending institution declares the same from its end. The following are certain formalities that need to be completed once you decide to close your Home Loan account:
1. Collect Original Documents
When applying for a housing loan from any institution, a borrower has to submit all the original documents to the financial lender, keeping only the photocopies with themselves. When it is time to foreclose the loan, ask the lender to return the original documents. Here is the list of documents that you should collect from your lender:
- Title and Sale Deed
- Power of Attorney
- Possession Letter
- Home loan Agreement
- Payment Receipts
In case you haven't received any of the submitted documents from the lending institution, you can inform your lender.
2. Get the Lien on the Property Terminated
A lien permits the lender rights on a property unless the borrower clears the debt and restricts the selling of the property. The lenders place a lien against the property to recover the loan amount if a borrower fails to repay it.
Therefore, after you have ended up paying all EMIs and closed your Home Loan account, it’s imperative to get the lien removed to enjoy 100% ownership of the property and to be able to sell in the future without any inconvenience. To get the lien terminated, you’ll be required to visit the registrar’s office and the lender’s representative.
Additional Read: Home Loan Terminologies You Must be Aware Of
3. Get the ‘No Dues’ Certificate (NDC)
Also, known as the No Objection Certificate (NOC), an NDC is one of the mandatory documents you must obtain from your Home Loan lender as soon as you are done making the final payment on the loan. An NDC also indicates that you have successfully paid all EMIs to your lender and that there are no more outstanding dues from your end. Hence, the lending institution no longer has authority over the property.
The NOC must possess details, such as the borrower’s name, loan amount, property’s address, loan account number, and the start date and close date of the Home Loan account. Also, it’s advisable to keep NOC photocopies so that you can enjoy seamless dealings with other lenders soon.
4. Ask for the Updated Non-Encumbrance Certificate
Once you’ve paid the whole loan amount as part of the home loan foreclosure procedure and have also removed the lien from the property, visit the Registrar’s Office and then apply for a fresh Non-Encumbrance Certificate. It’s a legal document that contains detailed records of financial transactions being carried out related to the property.
5. Collect the Security Cheque
In case you’ve submitted a post-dated security cheque to your lending institution, ensure that you collect it back when the Home Loan foreclosure procedure is complete.
6. Check if Your Credit Score is Updated in the Latest Report
A desirable credit score (750 or above) plays an important role in obtaining a loan (both unsecured and secured) at favourable terms. Therefore, as you pay the final EMI of your housing loan, you need to ensure that your lender updates the information to the credit bureau. It's worth noting that timely loan foreclosure can positively impact your credit score and overall credit history, while delaying or defaulting on payments can have a negative effect on your CIBIL score, potentially making it harder for you to secure loans in the future.
Also Read: Tips to Maintain Your Business CIBIL Score Above 700
The updated credit score takes about a month to reflect in the credit history. You may follow up with the lender to update the information. Also, in case a wrong information has been reported, get that rectified as soon as possible.
*Terms and conditions apply.
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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How to Access Your Login Details in Bajaj Customer Portal?2024-02-02 | 5 min
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Home Loan Burden Management: Five Tips2022-06-27 | 3 min
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A Complete Guide on the Benefits of Joint Home Loan2022-11-16 | 5 min
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How to Calculate Home Loan EMIs2022-06-14 | 5 Mins
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Making Financial Planning Easy with a Home Loan EMI Calculator2023-09-06 | 2 min
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All You Should Know About Home Loan Disbursement and Sanctioning Process2024-03-19 | 3 Min
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Difference Between Co-owner, Co-borrower, Co-Applicant, and Co-Signer in Home Loan2023-08-31 | 6 min
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How Do You Overcome Home Loan Repayment Burden?2023-02-13 | 2 min
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Best Credit Score for Home Loans & How to Improve Yours2023-08-31 | 6 min
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Home Loan vs Loan Against Property: A Complete Comparison2023-11-29 | 4 min
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A Complete Guide for Home Loan Insurance2023-04-03 | 4 min
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What Are the Pros and Cons of Home Loan Balance Transfer?2023-02-01 | 4 min
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How to Check Your Bajaj Housing Finance Home Loan Status2022-06-22 | 4 Min
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Benefits of a Home Loan2023-02-20 | 4 min
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Is It Mandatory to Take Insurance with a Home Loan?2023-08-01 | 5 min
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Secured vs Unsecured Loan - Know the Difference2023-08-24 | 2 min
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How to Choose the Best Home Loan?2023-08-09 | 4 min
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Difference Between Bank Rate and Repo Rate2023-09-22 | 5 min
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Increase or Decrease Effects of Repo Rate2023-08-29 | 7 min
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Understanding the Benefits of a Home Loan EMI Calculator2023-07-12 | 5 min
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Tips to Avoid Rejection of Your Home Loan Application2023-08-01 | 3 min
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Check Housing Loan Eligibility with Home Loan Eligibility Calculator2023-07-12 | 5 min
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Tips to Get Home Loan with Minimum Down Payment in India2023-07-11 | 5 min
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Factors That Determine Your Home Loan Eligibility2023-07-24 | 8 min
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Differences Between Repo Rate and Monetary Policy Tools2023-07-28 | 5 min
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What Happens to a Home Loan in the Case of the Borrower's Death?2023-04-17 | 4 min
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Taking a Home Loan to Buy a Property for Investment? Here Are 5 Points to Consider2023-04-17 | 5 min
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Know All About the HRA Benefit on Payment of House Rent2023-04-03 | 6 min
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A Guide to Statutory Liquidity Ratio2023-02-22 | 5 min
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Get Your Down Payment Funds Ready with These 5 Easy Steps2023-03-20 | 5 min
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5 Strategies to Manage High Home Loan EMIs Effectively2023-02-22 | 6 min
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Why Is Credit Score Important for Home Loan Lenders?2023-03-21 | 5 min
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Importance Of a Good Credit Score in The Home Loan Process2023-03-20 | 4 min
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Home Loan EMI Calculator Benefits and It’s Features2023-02-21 | 4 min
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4 Key Benefits of Home Loan Balance Transfer to Bajaj Housing Finance Limited2023-01-09 | 5 min
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Five Important Factors to Keep in Mind When Prepaying Your Home Loan2023-01-17 | 6 min
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A Step-by-Step Guide to Home Loan Balance Transfer Application2022-12-20 | 6 min
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Factors to Consider Before Opting for Home Loan Balance Transfer2022-12-14 | 5 min
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Top Things to Keep Track of While Doing a Home Loan Balance Transfer2022-12-18 | 7 min
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Smart Things to Consider Before You Apply for a Home Loan2022-12-14 | 5 min
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Factors to Consider Before Applying for a Home Construction Loan2022-12-02 | 5 min
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6 Point Differentiation Between Home Loan Vs Home Construction Loan2023-02-15 | 6 min
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Which is the Best Option: Land Purchase Loan or Home Loan?2023-02-01 | 6 min
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10 Reasons Why a Housing Loan Application May Be Rejected2023-02-20 | 3 min
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Why Should You Choose a Balance Transfer on Your Home Loan?2023-02-01 | 4 min
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What Factors Decide Your Home Loan Interest Rates?2023-05-29 | 6 min
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The Importance of a Home Loan NOC2023-01-31 | 7 min
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Five Tips to Choose the Right Digital Platform for Home Loans2023-02-09 | 3 min
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[N][T][T]Types[S]of[S]Home[S]Loans[S]Available[S]in[S]India[N][T]
Types of Home Loans Available in India2022-06-28 | 5 Min
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How to Pick the Best Home Loan Tenor that Suits Your Budget