What is a NOC Letter?
A NOC (No Objection Certificate) letter is a legal document that serves as evidence of the customer having no pending Home Loan dues to be paid. It is issued by your lender, marking the closure of the loan repayment, typically at the end of your repayment tenor. It is also known as a ‘No Dues Certificate'.
Your Home Loan, even after you repay the full amount, will be considered active if you fail to collect your Home Loan NOC. Borrowers who ignore the closure formalities can adversely affect their credit profiles. The collection of the Housing Loan NOC is an important step of the loan closure process.
Read Also: Know All about the Home Loan Foreclosure Procedure
A customer receives possession of their No Objection Certificate (NOC) letter only when the EMIs, extra charges, and late-payment penalties (if any), have been paid off entirely. Another noteworthy fact about the NOC letters is that, upon collecting them, the rights of the collateral used for the loan application process revert to the customer.
Why do You Need a NOC Letter?
Having your NOC Letter is imperative to prove your Home Loan closure. Here are all the reasons why you must possess it after you have repaid your Home Loan in full.
- A NOC letter acts as proof, backed by law, of completing the payment of all outstanding fees. With a Home Loan NOC, you regain possession of your property (collateral). Your lender will only record your loan repayment as ‘complete’ with the collection of your Home Loan NOC letter.
- When you collect your Home Loan NOC, you are projecting yourself as an individual who can keep up with the debt commitments – raising your credit score significantly. Failure to collect your NOC letter reduces your chances of securing other loans with flexible payment plans.
- Steer clear of legal entanglements by collecting your NOC in case there is ever a situation where your Home Loan repayment competition comes under the scanner.
- While applying for a Housing Loan, you must, as per requirements, submit some financial documents to the lender. The original copies of these documents stay in the lender's care for the duration of the loan. To retrieve your documents after loan repayment, you will need your NOC letter.
Also Read: Importance of NOC Letter after Paying off Your Home Loan
Benefits of a No Objection Certificate
Once you repay your Home Loan, the NOC Letter pronounces you as the legal owner of the property. It legally states that you owe nothing to your lender. It contains the loan account number and the loan closure date. With this document, you can assert total ownership of your property and even proceed to sell the property if you wish. Having an NOC comes with multiple benefits. To quickly summarise, here are some of the advantages of a NOC letter:
- You become the full owner of your property – You now have a proof that your property is in your name and is no longer a collateral with the bank.
- You clear yourself of any dues you owe to the lender - An NOC assists in the removal of a lien on your property. A lien on your property means lenders still have a claim on it and possess the right to sell it off.
- You can now borrow a new loan - Clearing off your dues will boost your credit score and place you in a position to get another loan at better terms.
- You can sell off your property – Buyers ask for the bank NOC document while buying a resale property in order to confirm that the property is not owned by the lender.
- You can claim insurance – In case of damage to the property, the insurance firm will make payments of the claim to you instead of the lender.
Also Read: Importance of a Home Loan NOC
What Should You do if You Lose Your NOC Document?
If you lose your lender’s No Objection Certificate, the first step you should do is lodge a police FIR. Next, you can approach your lender, and request for a duplicate NOC by submitting a copy of the FIR you had lodged with the police. Once you do obtain a duplicate NOC, you should check for any errors or discrepancies you may encounter.
How to Apply for an NOC Certificate?
Whenever a loan is closed, typically the customer will receive a digital copy of the NOC certificate on their registered email ID. If by any reason, the customer does not receive the NOC on their email ID, they can do either of the following.
If you are the customer of Bajaj Housing Finance, then you can get or download your NOC certificate from Bajaj Housing Finance customer portal or they can request for the NOC letter by sending a mail to bhflwecare@bajajfinserv.in
Conclusion
To sum it up, it is important to obtain a Home Loan NOC letter, especially since it will remove the hypothecation of the lender from your property, improve your credit score, and make you the rightful claimant in case you claim insurance due to any mishap. If you delay obtaining the letter, it may lead to complications.
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.
FAQs
The purpose of a Home Loan NOC letter is to declare that the borrower is clear of any outstanding dues towards the lender. It also mentions that the lender no more has rights over the property.
The no objection certificate has important information such as loan account number, name of the borrower, list of documents, address of the property loaned and date of loan repayment.
Yes, it is necessary to obtain NOC in the following cases:
- To confirm loan closure
- To avoid property ownership dispute
- To resell the property
- To improve your credit score
No. The Home Loan NOC letter is usually automatically shared by the lender – either as a digital document and/or a hard copy - once the loan is closed. If not, you can request the lender to issue the same. In both cases, there are no processing fees involved.
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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
[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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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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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?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