Just finished paying off your Home Loan? Well, before you heave a sigh of relief there is one more essential task that needs to be done – getting the NOC. The NOC or ‘No Objection Certificate’ is a legal document that is issued by the lending institution that approved your Home Loan in India and provided you with the Home Loan Sanction Letter. An NOC states that the borrower has no outstanding dues toward the lender. It must be submitted to the registrar of properties to strike off the lien of hypothecation.
There are multiple factors that confirm the importance of getting an NOC; some of which are listed below:
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Without NOC, the lender remains the owner of your property: If you encounter a failure in getting an NOC and submitting it to the registrar of properties after you’ve paid off the Home Loan, the lending institution – that is the financial institution from which you availed of the loan, will continue to be the property owner of your property. This is even after you have completely paid off the Home Loan. And until the ‘lien of hypothecation’ is successfully struck off, you can’t sell the house.
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It helps sanitise your credit report: Getting the NOC is like the final step toward achieving a clean credit or CIBIL report. A Home Loan is completely closed only after you have taken the NOC from the bank/lender. Often borrowers request NOC but may miss to follow up later, consequently impacting their credit score. NOC can be obtained from your nearest Home Loan branch or even online. In either case, you need to make sure that the certificate carries all kinds of details of your property as well as the loan details, and that the words ‘No Objection’ are mentioned clearly. Once you receive the NOC, the CIBIL database will be updated by the lender and you’ll then be marked as a reliable customer.
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You are in a better position to borrow a new loan: Once you manage to maintain a good credit score, availing of another loan will be seamless since lenders check a customer’s creditworthiness or credit score before disbursing a housing loan to them. So, if you have been considering yet another loan – be it a home or a personal loan – it’s essential that you close the earlier loan first. And to close the existing Home Loan in India, receiving an NOC is important. Once you’ve received the NOC, you can submit the title deed as collateral for another loan.
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You can claim insurance in case of damage to property: As you may have known by now, obtaining the NOC will make sure that the lender doesn’t have charges levied over the property. One of the major benefits is that you can receive insurance claims in case of the destruction of the property. Once you receive an NOC, the insurance firm will make payments of the claim to you instead of the lender.
So, once the repayment process is over, obtain the NOC. Remember that you should finish formalities within a stipulated period. If you have taken a house loan from any reliable and reputed lender, you can always visit the branch, log in on their official website or reach out to them via phone banking to learn more about the detailed process of receiving an NOC after you are done paying the last EMI on the housing loan.
Additional Read: What is an NOC Letter?
What Should You Do in Case You Have Misplaced Your NOC?
What if you took an NOC in the past but lost it later and need it now? An FIR is typically required to be lodged if the NOC letter goes missing. Then, a request to the financial lender should be made with a copy of the FIR and other relevant loan details. However, getting a duplicate NOC letter may take time and effort for a follow-up.
Many lending institutions have made available the format of NOC letter on their official websites. Make sure that the certificate carries the details of the property along with the loan details. The text “no objection” also needs to find a suitable mention. An essential thing to recall is that NOCs of some lenders have a validity that extends for a limited period. It is recommended to check the validity with your lender.
The Process of Obtaining an NOC Letter
Steps to Obtain an NOC Letter
The following are the steps to obtain a Home Loan NOC:
Step 1: Reach out to the lender and apply for NOC by filling up a form after paying the last EMI.
Step 2: The lender will process your NOC form by verifying the information provided by you.
Step 3: After the verification is successful and the application is processed, the lender will send the NOC via post to the registered address.
How long does it take to receive an NOC letter?
While an exact estimate cannot be provided for the same, you can expect the delivery of the Home Loan NOC letter within a few days of Home Loan completion or NOC application.
How an NOC letter can affect your credit score?
During the calculation of the CIBIL score, the NOC can be referred to by the credit bureaus under certain special circumstances. For instance, if the lender does not update the loan closure to the credit bureau, your credit report will not be updated. In such a case, you can submit the NOC to establish the fact that your past loan has been fully repaid.
In this case, your credit score will be saved from getting affected. Besides this, there is no other significant reason for your NOC to intervene in your credit score, but it’s always best to have one, nonetheless.
Concluding Thoughts
Few lenders may send a Home Loan NOC letter by post and on their own to your residential address. However, if not, you’ll have to follow the method mentioned below. Remember, that some steps may differ from one lender to another, but here are the general steps:
Step 1: Reach out to the lending institution from whom you’ve availed of the loan. Try to get hold of the NOC transference form. Fill the form with the required and accurate information. Please submit it to the manager or relevant employee associated with the lending institution.
Step 2: The lending institution will review the application, whether all the EMIs are fully paid, and whether there are no outstanding dues.
Step 3: Once the application review is executed, the lender will send the NOC for the housing loan to the address mentioned on the NOC application form or the housing loan application form.
Note: The content on this page is for informational purposes. Processes at Bajaj Housing Finance may be different.
*Terms and conditions apply.
Also Read: Know the Do’s and Don'ts Foreclosing a Home Loan
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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cibil Cibil
[N][T][T][N][T]
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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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
[N][T][T][N][T]
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
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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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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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[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
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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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[N][T][T][N][T]
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
[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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home+loan Home Loan
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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home+loan Home Loan
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?2024-01-24 | 3 min
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cibil Cibil
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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