The decision to purchase a home is a big decision. A home not only provides a roof over your head but it is also an asset that offers numerous financial benefits. However, with property prices at their all-time high, it is nearly impossible for the common man to afford a home without seeking financial help. Home Loans provide this help -- they allow potential homebuyers to build an asset without exhausting their savings.
If you have been toying with the idea of becoming a homeowner, now would be a good time to take the plunge and buy a house. However, if you are planning to take a Home Loan to finance your purchase, here are some Home Loan tips to help you avail yourself of the right Home Loan deal for you.
Tips and Tricks That Will Help Get the Right Loan Deal for You
Do Your Research
This is perhaps the smartest Home Loan tip you will ever get: before applying for a Home Loan, do proper research and see what each lender has to offer to you. Talk to as many lenders as possible and while assessing lenders, consider not just the interest rate they are offering but also other factors, such as their experience, the added facilities they offer, etc. Decide which Home Loan would be best for you based on the overall package being offered to you and not just the interest rates.
Borrow What You Can Easily Repay
When availing of a Home Loan, aim for affordability. In other words, borrow what you will be able to easily repay. Use a house loan EMI calculator to figure out the EMI amount you can easily afford and borrow just that. Borrowing more than what you can repay can sometimes lead to missed EMI payments, a situation that must be avoided at all costs since late payments attract a late fee and also affect your CIBIL score negatively.
Additional Read: How to Calculate Home Loan EMI
Once You Have Availed of a Home Loan, Be Smart About Spending Money
Home Loans are a huge commitment. Your Home Loan EMIs will take up a major chunk of your monthly income. Therefore, you must spend cautiously and plan your monthly budget in such a way that you always have enough money left to clear your EMIs. Do away with all the frivolous stuff for a while. This will help you become debt-free as soon as possible.
Choose the Right Tenor
To ensure affordability in the long run, you must select the right loan tenor for you.
Long Home Loan tenors ensure affordability but increase the total interest outgo. Short tenors, on the other hand, help one become debt-free quickly but can lead to EMIs becoming burdensome. Ideally, a person should try to find the right balance between EMIs and tenors -- keep your EMIs as low as possible and your tenor also as short as possible.
Make Sure You Meet Your Chosen Lender's Eligibility Requirement
Before beginning the Home Loan application form, go to your chosen lender's website and check their eligibility requirements. Apply only if you meet their eligibility requirements. Candidates who do not meet the eligibility parameters often face application rejection. One must try and avoid Home Loan rejection at all costs since a rejection negatively impacts a candidate's CIBIL score and ruins their chances of availing of a loan in future.
Read the Fine Print
Sometimes, borrowers talk to a lender only about the Home Loan interest rate, tenor and principal and based on these three things alone, they sign a Home Loan agreement. This is a mistake one should never make. Once you have been approved for a Home Loan, you will get a Home Loan agreement. Sit with a lawyer and discuss each point of this agreement with your lawyer. Sometimes, lenders add clauses about hidden fees and charges. You must dissect each point of the agreement and ensure there are no hidden fees and charges involved.
Additional Read: Home Loan Terminologies You Must be Aware Of
Understand Prepayment and Foreclosure Norms
If you have availed of a Home Loan, keep reading about prepayment and foreclosure norms. Until a few years ago, borrowers had to pay a penalty every time they made a prepayment or opted for foreclosure. However, a few years ago, the Reserve Bank of India changed Home Loan prepayment and foreclosure rules.
Today, individual borrowers who have opted for a Home Loan on floating interest rates can prepay or foreclose their loan at no additional charges. Similarly, individuals who are at fixed interest rates can prepay or foreclose their loan at no additional cost if they use their savings to part pre-pay or foreclose the loan. Prepayment and foreclosure journals keep changing in the country. Therefore, Home Loan borrowers must keep an eye out for these rules.
Also Read: Factors You Need to Consider Before Foreclosing Your Home Loan
*Terms and conditions apply.
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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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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
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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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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?