Most Indians take a Home Loan to arrange the funds to buy their dream home and yet a majority of these Home Loan borrowers are completely unaware of the concept of Home Loan NOC. This article focuses on apprising its readers about the importance of NOC and why one must obtain this document.
What is Home Loan NOC?
A Home Loan NOC or no-objection certificate is a document released by a lender or bank after a borrower has completed the repayment of the Home Loan and no EMIs are pending. The Home Loan NOC is a legal document that removes all rights that the lender had over the property before the borrower completed repayment and establishes the borrower as the sole owner of the property.
While the lenders are obligated to release the NOC on their own, once Home Loan repayment has been completed, some lenders do not release this document on their own. In such a scenario, the borrower must write to the lender and request to release the No Objection Certificate. These days, some lenders also allow borrowers to download the NOC online from their portal after completing Home Loan repayment.
What Should the NOC Document Contain?
The NOC or no-objection certificate contains details;
- Name of the Home Loan applicant
- Date of issue of the document
- Details about your outstanding loans
- Owner Name of the property
- Owner address
Once the borrower has received the no-objection certificate, they must submit it at the registrar's office.
The NOC or no-objection certificate contains details, such as the name of the Home Loan applicant and owner of the property, address, etc. Once the borrower has received the no-objection certificate, they must submit it at the registrar's office.
Now that we know what a Home Loan NOC is, let us look at why it is important and why borrowers must obtain this document after completing loan repayment.
Why Should You Have a Home Loan NOC?
Your Home Loan NOC is a very important document. Here's why you must make sure to take it from your lender.
It Helps You Improve Your Credit Score
Once you have repaid the loan in full and obtained the NOC from the lender, the lender will inform the credit information bureau that you have cleared your loan. If you have been regular with your payments and have always cleared them on time, this final step will considerably increase your credit score as you will be seen as someone who can be trusted with timely repayment. A good credit score is crucial as it allows one to get easy access to credit whenever needed. People whose credit score is 750 or above get approved for loans almost immediately. Apart, they also get the best loan deals.
People Also Read: What is a Good CIBIL Score for a Home Loan
You Cannot Sell the House Unless You Have the NOC
When you take a Home Loan to buy a home, you pledge the home you have bought as collateral. Though your lender does not get ownership rights, they do get the right to sell the property in case you default on loan repayment. As long as your lender has any right over the property, you cannot sell it. Once you have repaid the loan, you must obtain the NOC as this document removes the lender's lien from your property and makes you its sole owner. Thus, if you plan to sell a property against which you had a Home Loan, you must obtain the NOC letter from your lender and submit it at the registrar's office.
It Helps You Settle Disputes
A Home Loan NOC or no-dues certificate is important as it allows you to fight disputes and false claims in court. Once you have obtained the NOC, your lender cannot make any claims over your property. Further, if anyone tries to encroach over your property or establish false ownership, you can fight them in court. In other words, a no-objection or no-dues certificate is important as it brings you peace of mind and a sense of security.
It Helps You Get Another Loan
Once you have repaid your Home Loan in full and you need another loan to buy another house or a car or arrange funds to afford your home's renovation or refurbishment cost, the Home Loan NOC will establish your creditworthiness and repayment capacity. It is an important document that can enhance a borrower's negotiating power, allowing them to negotiate for better terms and conditions in case they decide to take another loan.
Also Read: Importance of NOC Letter after Paying off Your Home Loan
Procedure to Avail of the NOC
Now that we understand the importance of obtaining an NOC, let us look at the procedure to obtain this document.
To obtain the Home Loan NOC offline, please follow these steps.
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Go to your lender's office and ask any of their representatives to give you the NOC transference form.
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Fill out the form with all the required details and submit it to the office of the bank manager.
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During the next step, your lender will cross-verify your claim of complete Home Loan repayment. They will check whether you have cleared all EMIs and if any EMIs or any other payments are still pending.
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Once the bank manager has reviewed your application, they will send the NOC letter to the registered address.
You can also download the NOC form online. These days, many lenders offer this service, and it is far easier to obtain the NOC online than offline. So, see if this service is available to you.
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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loan+against+property Loan Against Property
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3 Different Loan Against Property Types You Should Know About2024-02-13 | 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
[N][T][T][N][T]
How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
[N][T][T][N][T]
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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Understanding Loan-to-Value Ratio (LTV) and its Calculation2023-11-28 | 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
[N][T][T][N][T]
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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[N][T][T][N][T]
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
[N][T][T][N][T]
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
[N][T][T][N][T]
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
[N][T][T][N][T]
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
[N][T][T][N][T]
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
[N][T][T][N][T]
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 -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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home+loan Home Loan
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?2024-01-24 | 3 min
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A Helpful Guide to Understanding Your Credit Report2024-01-26 | 5 min
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home+loan Home Loan
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An Essential Guide to Refinancing a Home Loan