Real estate is an asset that needs heavy financial resources. Whether you are looking to purchase a house as a residence or for investment purposes, lending institutions provide easy access to loan opportunities that are lucrative and beneficial. A Home Loan is a great form of monetary assistance when one is cash-strapped or not in favour of liquidating their savings. With easy EMIs and tailored repayment options, Home Loans offer an opportune alternative when planned through.
What is Home Loan Management?
The process of availing a Home Loan and handling the repayments, in the form of monthly instalments or EMIs as per the repayment schedule, over the entire tenor is referred to as Home Loan management.
10 Smart Ways to Manage Your Home Loan Effectively
Housing finance entails big sums of money and a longer repayment period. There are several things to keep in mind while taking a Home Loan to ensure a hassle-free loan journey. Here are the 10 best ways to manage a Home Loan efficiently:
1. Research Loan Options
Extensively research the different Home Loan options available in the market.Look up their interest rates, down payment, EMI, tenor, eligibility and documentation requirements. This will help you choose a suitable house loan from the right lender with the lowest interest rates.
2. Aim for Cost Efficiency
Loan affordability is crucial to proper Home Loan management. Borrowers should be able to bear the EMI pay-outs comfortably. At the same time, they must also have a steady income flow to cover their regular expenses or any unforeseen emergency.
3. Control Your Expenses
Once you avail of a Home Loan, follow a strict budget to meet your EMIs on time. Spend cautiously and postpone expenses wherever possible. Missed or delayed EMIs can result in penalty charges, lowering of credit score and higher interest costs. Hence, opt for auto debit features so that you do not miss a single payment.
4. Choose Suitable EMIs
EMIs depend heavily on the down payment that you make towards the house purchase. Bigger the down payment sum, lesser will be the loan amount to be availed as loan, which will subsequently give you modest EMIs. Ideally, your chosen EMI amount should not exceed 45% of your net income for trouble-free paybacks.
5. Pick the Right Repayment Tenor
The time taken to pay off the sanctioned loan is said to be the repayment tenor. Your tenor and EMIs go hand in hand. Selecting a longer tenor might result in smaller instalments but it also increases the interest component fetching you a costlier loan. So, if you have a stable and recurrently increasing income, pick a short tenor with higher EMIs to restrict your credit costs and close your loan sooner.
Additional Read: Way to Reduce Your Interest Outflow While Repaying a Home Loan
6. Maintain a Good CIBIL Score
A good CIBIL score is among the foremost factors considered for Home Loans. If you have a credit score of 750 or higher, you can obtain hefty loan amounts at competitive interest rates with flexible repayment tenors. You can also expect ideal housing loan deals with quick loan processing and disbursal time.
7. Know the Foreclosure and Prepayment Norms
Occasionally during the loan tenor, borrowers may receive surplus funds through company bonuses or matured investments. This money can be diverted towards foreclosing the loan or making part pre-payments. Part pre-paying your loan periodically can bring down the outstanding loan amount and the interest outgo letting you close the loan before the end of the tenor. An individual borrower with a floating interest rate Home Loan will not have to pay foreclosure or prepayment charges, unlike a fixed rate Home Loan for which lenders may levy a nominal prepayment charge, while some might even give you a fee waiver.
Additional Read: Factors to Keep in Mind When Prepaying Your Home Loan
8. Fulfil Eligibility Criteria
Lenders usually have varied eligibility parameters to assess an applicant before granting loan approval. Your eligibility determines the Home Loan amount, interest rate, tenor and other terms and conditions. Documents pertaining to loan eligibility and property-related paperwork should be arranged as per lender requirements for swifter approvals.
9. Include Additional Loan Charges
Apart from the EMIs, there might be other administrative, processing or service charges that lenders could levy upon borrowers at the time of submitting the loan application. Check these charges and verify if there are any other fees involved in the process, now or at a later stage. Understand if these are one-time charges or monthly. In case of the latter, the fee has to be taken into consideration along with the EMIs when planning the monthly finances.
10. Shift to a Low-Interest Home Loan
Shifting your loan to another lender for lower Home Loan interest rates can cut down the cost of your loan and enable you to manage it better. Compare the price of a loan switch against your current loan and if assured of significant financial benefits, opt for a Home Loan Balance Transfer.
Additional Read: How a Home Loan Balance Transfer Works
Borrow What You Need and What You Can Repay
Pre-qualifying for a Home Loan is a smart way to gauge how much you can borrow and what range of houses you should search for. Also, read the loan agreement carefully to get a comprehensive knowledge of the Home Loan terms and conditions. This will help you understand your loan better and handle it effectively.
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
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home+loan Home Loan
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tax Tax
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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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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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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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What Does It Mean to Have a CIBIL Score of -1