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Home Loan: How to get home loan - Home Loan Kaise Le

 Home Loan: How to get a home loan



Today we will go to this blog post about Home Loan. What is a home loan, how to get a home loan, from which documents are used in a home loan, so in this post, we will go step by step?


Home Loan Details

  1.  Finalize Property
  2. Loan Application
  3.  Due Diligence By Bank
  4.  Credit Appraisal & Loan Sanction
  5.  Loan Agreement
  6.  Offer Letter & Acceptance
  7. Sale Deed & DD Handover
  8.  Possession

Step 1 – Loan Application

  • Inquiry

Compare Interest Rates Online

First of all, you guys will check which bank is giving you a low-interest loan, for this, you can find out about it from many websites online.


  • Make An Enquiry Online Or Directly At Bank 
  • Haggle Lowest (Best Possible) Interest Rate

Haggle Lowest Interest Rate is accessible just to those individuals whose FICO assessment is acceptable and pay is seen.

1.2 Processing Fee & Other Charges

 Processing Fee: 0.25% – 1% Of Loan Amount

 Legal & Technical Due Diligence Charges


Step 1.3 – Documents

1.) Application Form With Photograph Dual Signed

2.) Identity, Residence, And Age Proof

3.) Last 6 Months Bank Statements

4.) Last 3 Month Salary-Slips

5.) Processing Fee Check

6.) Form 16 / Income Tax Returns

7.) Proof Of Business Existence

8.) Business Profile


Step 2 – Due Diligence By Bank

2.1) Financial Check

  • Bank Statements Scrutinized For:
  • Transactions – Business Activity, Saving, Credit, Investing
  • Average Bank Balance
  • Check Returns And Check Bounces
  • Other Loans And Liabilities
  • Net Income To Calculate Loan Eligibility
  • CIBIL Score – Credit & Repayment Record


2.2) Field Investigation 

  • Confirmation Of Residential Address, Contact Details 
  • Business Credentials – Company Address, Industry, Organization Stability 
  • Actual Visits Will Be Made By Bank Representatives 

2.3) Physical Visit To Property – Assess Condition, Construction Quality, Encroachments, and so on 

  • Property Valuation – By An Approved Valuer 
  • Also For Under – Construction Property 
  • Phase Of Construction And Satisfactory Progress 
  • Nature Of Construction 
  • Endorsed Layouts And Building Plans


2.4) Legal Due Diligence 


Title Check – Legal Ownership And No Encumbrances 

Property Documents – Title Documents (Sale Deed), Possession Certificate, Agreement For Sale 

Under-Construction – Land Title Check Of Builder, Allotment Letter, Builder-Buyer Agreement, Check If Project Already Approved (APF Code). 

So, companions, I have given you data about Home Loan today, trust you have gotten everything, similar to this post, share it, thank you from the heart for removing time from your valuable chance to peruse.




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