Purchasing one’s own house can be a cherished dream for many. You may need sufficient funds at your disposal to turn this dream into reality. However, you may also choose to apply for a Home Loan with a reputed lender. A pre-approved Home Loan offer can prove useful at such times, facilitating a quicker process.
What is a Pre-Approved Home Loan?
A pre-approved Home Loan is an in-principle approval for a Home Loan provided on the basis of your income, credit profile and financial standing. They can be obtained before property selection and extend favourable benefits such as low interest rates, easy documentation and swift loan processing.
What is the Process of Availing a Pre-Approved Home Loan Offer?
Individuals can secure a pre-approved housing loan offer in the following manner:
- One may put in a written application to the lender. Some lenders also allow you to make an online application offering instant e-approval facilities. Along with the application, the applicant has to submit documents regarding his/her income, residence, employment status, and more.
- Lenders require these documents to examine the credit profile and repayment potential of the applicant. They will assess your Home Loan eligibility based on numerous factors such as your income, obligations, repayment capacity, and credit score.
- Once the verification process is finished, the lender will issue an in-principle sanction letter with the offered loan amount and the applicable interest rate. This letter is valid for a specific duration, beyond which, the interest rates and/or the loan amount could change.
- Generally, lenders levy a fee for extending pre-approved Home Loans. This fee is non-refundable and can be adjusted if you utilise the loan within the stipulated timeframe.
- To avail of the loan, you need to choose a property before the expiry date of the sanction letter.
- Upon selection of the house that you wish to purchase, you must furnish certain property-related documents so that the lender can carry out a thorough verification of the house as per location, construction quality, amenities and more. The loan will be disbursed after completion of the property assessment.
Additional Read: How to Pay Off Your Home Loan Quicker
Benefits of a Pre-Approved Home Loan
Receiving prior approvals for a Home Loan can offer borrowers several advantages such as:
Quick Disbursal Process
Your income documents are usually evaluated during the pre-approval stage. Later, lenders will verify the property documents before loan disbursal. As credit appraisals are conducted in advance, the turnaround time on the overall loan process – from loan approval to disbursal – is short.
Easy Property Search
A pre-approved loan gives you a clear picture of the available finances, which makes it easier to search in a particular price range.
Better Negotiation Power
You can possess better bargaining power with the developer or property seller if you hold a pre-approved loan offer in your hand. They may offer deals and discounts if they are assured of your willingness to make prompt payments.
Additional Read: How to Check Your Bajaj Housing Finance Home Loan Status
Documents Required for a Pre-Approved Home Loan
The documents required for pre-approved Home Loan includes:
- Proof of identity
- PAN card or Form 60 (mandatory)
- Residence proof
- Employer-issued identity card
- Bank account statements for the last six months
- Loan account statements of the previous year (for individuals servicing other loans)
- Salary slips for the past three months
- Income tax returns or Form 16 of the last two years
Note: Depending on your lender’s documentation requirements and eligibility criteria, you may need to present additional documents.
Key Features of a Pre-Approved Home Loan
The striking features of a pre-approved Home Loan are:
- A pre-approved loan does not amount to a Home Loan sanction from the lender. It is only an eligibility check and the lender retains the right to approve the Home Loan after shortlisting of property.
- These loans entail low interest rates but other associated charges may be attached such as processing fees, pre-payment and foreclosure charges, legal charges and so on; which need to be factored into the loan costs.
- The validity of a pre-approved Home Loan is given in the offer document and is decided at the lender’s discretion.
Additional Read: Different Types of Home Loan Charges
Things to Consider When Applying for a Pre-Approved Home Loan
Here are a few important considerations when you apply for a pre-approved Home Loan:
Rejection of Loan Application
Lenders reserve the right to reject loan applications even if you are eligible for pre-approved offers. This may happen due to various reasons such as a low credit score, unsatisfactory credit history, and low income among others, that can result in the rejection of your loan request.
Loan for Authorised Properties Only
Your pre-approved loan offer may be denied if the house you wish to buy is not authorised by the lender. A loan is sanctioned only if the concerned property meets the lender’s qualifying standards.
Specific Validity
Pre-approved loans are valid for a limited period. If you do not avail of the Home Loan or select a property by then, you will have to apply for a pre-approved offer again once it expires.
Additional Read: How to Get a Better Interest Rate on Your Home Loan
To Conclude
It is advisable to put in an application for a pre-approved Home Loan only when you are sure of purchasing a house. You can do your due diligence and scout around for offers extended by different lenders to make an informed choice. Remember never to apply for a pre-approved loan with multiple lenders around the same time since several credit enquiries may harm your credit score.
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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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
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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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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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[N][T][T][N][T]
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
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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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[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
[N][T][T][N][T]
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
[N][T][T][N][T]
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
[N][T][T][N][T]
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?