There was once a time when people feared taking loans. To fulfil life's major goals, such as funding a child's education or wedding, building a home, etc., they saved over the years. These days, more and more people have started becoming comfortable with the idea of loans. Loans allow borrowers to afford things in the present and pay for them in them in the future. When taken after proper planning, loans are an excellent way to take care of one's responsibilities.
Broadly, loans are categorized into two different types: secured and unsecured. Secured loans involve a collateral or an asset. The borrower avails of a loan by pledging this asset as collateral. In the case of loan default, the lender can sell the property for loan recovery. Unsecured loans do not involve any security and are sanctioned solely based on the credit profile of the borrower.
Loans against property are a type of secured loan. In these types of loans, a borrower pledges a residential or commercial property as collateral. Some lenders even accept land as collateral. Since loans against property are a type of secured loan, the risk involved for the lender in lending money reduces considerably. Thus, lenders sanction loans against property at quite affordable interest rates. Further, loans against property come with a long repayment tenor, which further makes it easier for borrowers to repay loans against property quite easily. Owing to these reasons, property loans have become quite popular. If you are planning to avail of a property loan, you must try your best to get the lowest Loan Against Property interest rates possible. Low interest rates help borrowers keep their EMIs within the affordable range. They also help borrowers save a lot of money in the long run by reducing the overall cost of borrowing the loan. Therefore, borrowers are advised to do thorough market research and talk to as many lenders as possible and sign on a loan agreement only when they know they have managed to avail of the lowest interest rates possible.
The focus of this article is on tips to reduce Loans Against Property interest rates. However, before we go ahead and share these tips, let us first try and develop an understanding of the factors that affect Loan Against Property interest rates.
Factors that Affect Loan Against Property Interest Rates
1. Loan-to-Value Ratio
The loan-to-value ratio or LTV ratio refers to the percentage of a property's market value that can be sanctioned as a loan. Let us understand this with an example. Let us assume that a borrower wants to avail of a loan worth Rs.1 Crore to buy a property worth Rs.2 Crore. In this case, the LTV ratio is 50%. However, if the borrower wants to avail of Rs.1.6 Crore to buy the same property, the LTV ratio would become 80%. Lenders can sanction up to 80% of a property's value as a loan. In the case of high-value properties, the LTV ratio goes down.
Borrowers who want to avail of a low interest rate Loan Against Property are advised to keep their LTV ratio low. Doing so minimizes the risk involved for the lender and therefore, lenders sanction these loans at low interest rates.
2. Credit Score
When it comes to loans against property or property loans, the credit score is important as it indicates a borrower's ability to repay a loan on time. The credit score is a three-digit number between 300 and 900 that indicates a borrower's creditworthiness and repayment capacity. Borrowers who have a CIBIL score of 750 and above are seen as highly creditworthy borrowers by lenders. Such borrowers are highly unlikely to default on loan repayment and therefore, lenders offer property loans at low Loan Against Property interest rates to such borrowers. Therefore, if you want to avail of a property loan at low interest rates, check your CIBIL score before beginning the loan application process. Go ahead with the loan application process only if your credit score is 750 or above. If it is below 750, apply for a loan only after improving your credit score.
3. Income and Repayment Capacity
Though Loans Against Property are secured loans and the borrower can sell the pledged asset for loan recovery in case of loan default, lenders try and make sure they are lending money only to someone who will be able to repay the loan on time. They do so by assessing the borrower's income and repayment capacity. Thus, borrowers employed with a reputed multi-national company or a public-sector company and having a stable job and income get offered lower interest rates than borrowers who switch jobs often or cannot establish income stability. If you think you may have to avail of a Loan Against Property sometime in future, make sure not to change jobs often and maintain a stable source of income.
4.Type of Property
In the case of a Loan Against Property or property loan, the type of property and the quality of the collateral also plays a key role in determining the interest rate that will be offered to a borrower. In general, lenders charge a lower rate of interest when the property pledged as collateral is a residential property since borrowers are more serious about loan repayment when the property pledged as collateral in their home. The quality of the property matters too. Lenders also charge a low Loan Against Property interest rate when the property pledged as collateral is located in a central location, is equipped with all modern amenities and therefore, has high resale value. Lenders increase the rate of interest when the property pledged as collateral is an old property having low resale value.
5. Loan Tenor
The loan tenor also affects the rate of interest that a borrower gets on a Loan Against Property. Short tenor loans involve lower risk for the lender and therefore, lenders sanction these loans at low interest rates. In comparison, when the loan tenor increases, the interest rates on a property loan increase too since the risk involved for the lender goes higher.
Now that we have developed an understanding of the factors that affect Loan Against Property interest rates, let us look at what loan against property borrowers can do to avail of a loan on low Loan Against Property interest rates.
Handy Tips on What Borrowers Can Do to Avail of a Low Interest Rate on their Property Loan
1. Negotiate With Different Lenders
Many borrowers make the mistake of accepting the first offer they get from the first lender they talk to, mostly because people avail of Loans Against Property when they need money urgently. Thus, they accept the first loan offer they get. This is a mistake borrowers must avoid making at all costs. If you want a low-interest rate, talk to a few different lenders and see what each one is offering. Then, negotiate with all the lenders and use a Loan Against Property EMI Calculator to compare different offers and figure out which lender is offering you the best deal.
2. Make Sure Their Credit Score is at least 750
Borrowers who want to score a low interest rate Loan Against Property deal must make sure their credit score is at least 750. If your credit score is below 750, do not worry. By practicing strict financial discipline, you will easily be able to improve your CIBIL score and make it above 750. Here are a few things you can do to improve your credit score, if it is below 750.
- Make it a point to never miss EMI and credit card bill due dates. While missing one or two due dates won't affect your credit score majorly, continuously missing deadlines will cause it to decline tremendously. So, set up reminders or auto-payments and make it a point to clear all bills before the due date.
3. Go for a Short Loan Tenor
Yet another way you can avail of low Loan Against Property interest rates is by going for a short loan tenor. When a borrower opts for a long Loan Against Property tenor, the chances of loan default increase and therefore, the risk involved for the lender increases too. This is the reason why lenders offer lower interest rates on short tenor loans and a higher interest rate on long tenor loans.
4. Opt for a Loan Against Property Balance Transfer
The loan balance transfer is a facility that most borrowers offer these days. When borrowers opt for this facility, they get the chance to transfer their loan from one lender to another offering better interest rates or other beneficial terms and conditions. Since borrowers on floating interest rates can now close their loans without paying any fees or charges, opting for a loan balance transfer has become an easier choice. However, Loan Against Property transfers involve a fee. Therefore, borrowers must opt for this loan only during the early years of the loan when the interest they will save over the tenor of the loan will be much higher than the Loan Against Property Balance Transfer cost.
5. Wait for Festive Season Offers or Apply with a Lender with Whom You Already Have a Long-Standing Relationship
Yet another way you can avail of a low interest rate on your Loan Against Property is waiting for seasonal offers. During the festive season, almost all lenders slash their interest rates to attract new customers. So, if you don't need the money urgently, you can consider waiting for the festive season. Further, most lenders extend the lowest Loan Against Property interest rate deals to their most loyal customers. Thus, to benefit from low interest rates, consider applying with a lender with whom you already have a long-standing relationship.
6. Opt for a Floating Rate of Interest
Loans Against Property are offered on two different types of interest rates: fixed and floating. In the case of fixed interest rates, the rate of interest does not depend on external market conditions and remains the same through the tenor of the loan. In the case of floating interest rate loans, the rate of interest depends on external market conditions and therefore, the floating interest rate changes with changing market conditions. The risk for lenders is much higher in the case of loans availed of on fixed interest rates. Therefore, lenders charge a much higher interest rate on these loans. If you want to reduce your Loan Against Property interest rate, consider availing of a loan on floating interest rates.
Final Words
The Loan Against Property interest rate you get will play a crucial role in determining how easy or difficult it will be for you to repay your loan. Use the tips mentioned in this article to avail yourself of the lowest interest rate possible and make repaying the loan convenient and easy.
FAQs:
The loan-to-value ratio refers to ratio of the total value of the loan to the total value of the property, expressed in percentage. If a borrower avail of a Rs.70 Lakh loan to buy a Rs.1 Crore property, the LTV ratio would be 70%.
Improving your credit score is easy. Pay your credit card bills and loan EMIs on time, maintain a low credit utilization ratio, apply for credit only when necessary and check your credit report regularly for errors that might be impacting your credit score.
Yes, as a borrower, you have every right to ask for low interest rates. Do not accept the first loan offer that your lender extends to you. Negotiate with them and try and avail of the lowest interest rate possible.
Ideally, since loan balance transfer involves a fee, borrowers must opt for this facility during the early years of their loan when the interest saved through a loan balance transfer will be much higher than the cost of the balance transfer.
If you want to compare loan against property interest rates, use a loan against property EMI calculator. These calculators are quick and accurate. Further, they are easy to use and easily available online.
Yes, if your co-applicant financial health and standing is impeccable, your lender may agree to sanction you a loan at a lower rate of interest.
You do not have to do anything special to avail of festive season offers on your loan against property. Simply apply during the festive season and you will automatically become eligible for these offers.
If you are finding it difficult to afford your current EMIs, a loan prepayment can help you reduce your loan tenor or loan EMIs. Prepayment also reduce the total cost of borrowing the loan and the effective interest rate payable on the 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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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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home+loan Home Loan
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6 Ways to Reduce Your Home Loan Interest2024-03-20 | 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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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
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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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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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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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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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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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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 -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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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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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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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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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?