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Apply For Home Loan

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Apply for Home Loan Online

Living in a home that reflects your inner self is still a dream for many of us because not everyone has the reach to that kind of big money. Even if the universal source of money (the banks) is here, then the never-ending process of obtaining a loan restricts the borrowers to ask for it. Thus, the solution to your problems is an online home loan application. The digital home loan application is the most straightforward approach for obtaining a home loan because you can access all the facilities at your fingertips.

How?
By relying on loans4you.in, they are a neutral platform where the lenders meet the borrowers and seek loans at their interests.

Home Loan EMI Calculator

With the help of your home loan EMI calculator , you can calculate your EMI by filling in the three essential parameters: your home loan amount, home loan tenure, and home loan interest rate. It will be easier to manage your expenses after paying the interest and principal amount.

Why choose loans4you for Home Loan Application ?

Apart from the convenience, the online home loan application will spoil you with the choices, and to surplus the comfort, platforms like loans4you. are available to your interest.

So, below are the key points that will help you access why online home loan comparisons through the trusted marketplace like loans4you.in is better than physically reaching out to the lenders.

1. All in your reach
You can't reach out to the banks for every query, and if you do, they aren't willing to entertain you every time. However, you can always reach out to loans4you. Our seamless communication system will help solve every query, so you have clear visuals of your needs.

2. Chance to compare
How do you know that you're getting the best home loan deal from them all? That's why it is mandatory to compare with other options. By visiting our website loans4you.in and effectively differentiate from all the available options and choose the best for you. In addition, on our website, you can also access detailed information about the document requirements, various interest rates, etc.

3. Stress-free loan application
One of the significant benefits of online home loan application is that it diminishes man-to-man communication, which is a big plus if you want to avoid confusion & explore further. So, by relying on loans4you.in you're helping yourself because we are here to help in every step of the home loan application. Also, the process becomes much faster as there is no formality of physical document submission.

Do's and Don’ts while applying for a home loan
Do's Dont's
1. Checking the loan eligibility 1. Avoid applying with multiple lenders as it will give the wrong impression of you
2. Research about the lenders plus, and don't hesitate to ask for second opinions or review online. 2.Faulty documents .
3. Secure your finances and the documents 3. Don't exceed your limits as it will delay your repayment period leaving a wrong impression of you.
4. Complete the application process in a single try 4. Don't apply for a home loan if you already have multiple loans.
5.Compulsorily ensure that all the details you provide are accurate so that you come out as trustworthy. 5. Avoid getting conned by non-trustworthy lenders & for that, you refer to loans4you.in, here you have access to the best deals from certified banks.

Compare Home Loan Transfer Interest Rates of All Major Banks

An Important component and deciding factor in Home Loan is the home loan Rate of interest. There are different types of home loan Rates of interest available in the market and before deciding on the home loan rate you should understand the advantages and disadvantages.

An home loan interest rate charged by a lender to a borrower for Home Loan is given, generally expressed in percentage.Home loan Interest rates are directly proportional to the amount of risk associated with the borrower.

The annual interest rate refers to the rate that is applied over one year. Interest rates can be applied over different periods, such as monthly, quarterly, or bi-annually. However, in most cases, interest rates are annual.

Compare Present home loan rate of interest rates, Home Loan processing fees, Home Loan Maximum tenure of major banks like ICICI Bank Home Loan, Axis Bank Home Loan, TATA Capital Home Loan, HDFC Bank Home Loan, SBI Bank Home Loan,Yes Bank Home Loan, and many more to choose from. We have provided you a table for home loan comparison among the best home loan in India at the lowest interest rate.

Bank Name Floating Interest Rates Per Lac Emi Get Into It
SBI Home Loan 6.70% - 6.75% Rs.757 - Rs.760 Apply Now
HDFC Home Loan 6.75% - 6.80% Rs.760 - Rs.763 Apply Now
ICICI Bank Home Loan 6.75% - 7.15% Rs.760 - Rs.784 Apply Now
Axis Bank 6.90% - 8.40% Rs.769 - Rs.862 Apply Now
PNB Housing Finance 7.35% - 9.05% Rs.796 - Rs.903 Apply Now
Bajaj Home Finance 6.80% Apply Now
IDFC First Bank 6.90% Rs.770 - Rs.769 Apply Now
Indiabulls 8.99% onwards Rs.880 - Rs.1029 Apply Now
Tata Capital Home Finance 9.25% onwards Rs.916 onwards Apply Now
Equitas 9.50% Apply Now
Standard Chartered 9.21% onwards Rs.913 onwards Apply Now

Home Loan Eligibility Calculator

Home loan eligibility Calculator is the pre-defined key element set up by the bank upon which the bank decides whether you're eligible to obtain & repay the home loan or not. Also, the home laon eligibility can differ depending upon the individual and the bank, but the key factors remain the same. The Home loan eligibility criteria include your age, income proof, and other documents. Let's check one by the following:

Age:
The applicant's minimum age must be 21 years while obtaining the loan. Maximum age:
Salaried: until 60 years or superannuation or least at the time of home loan maturity.
Self-employed: up to 65 years of age or least at the time of home loan maturity.
Professional: up to 65 years or least at home loan maturity.

Income proof:
The home loan borrowing limit is a minimum of Rs. Three lacs and the applicant's present & future must show that he can repay the loan, and that includes:

For Salaried:
• Quarter or three months’ paycheque
• Six months cheque or two years bonus proof (fluctuating pay)
• Semi-yearly bank statement showing salary credits
• Employment continuity proof

For Self-employed:
• Two years ITR, Income statement, P&L account, verified balance sheet with authorized CA seal and sign.
• Semi-yearly personal and business accounts bank statements.
• Income continuity proof (3 years for a home loan or five years for LAP)
• Tax audit report
• If ITR is filed without CA's digital signature, CPC and delinquent tax paid challan are required.
• In exceptional cases (Asha home loan) - one-year ITR, income statement, P&L account, verified balance sheet with authorized CA seal and sign.

Note: any of the above proofs are acceptable.

The benefit of online Home Loan

Apart from the convenience, the online home application will spoil you with the choices, and to surplus the comfort, platforms like loans4you. are available to your interest.

So, why choose us?
Our aim is that you stay fashionable with digital fashion, and that’s why we thought of an equitable platform for loan-seeking individuals who want to obtain the home loan hassle-free. We are a renowned name in Gujarat and aim to become India’s biggest neutral marketplace for loans. Until now, we as an example of 10K +customers, reflecting the compassion in our work, and that’s why start enhancing your home buying experience with the following benefits:

Analyze the choices
We understand that obtaining a home loan is no joke, and that’s why we are presenting you the option to compare and analyze the offers provided by various lenders and, lastly, choose the best suitable deal for you.

The three critical things here you can compare are,
• Home LoanInterest rates
• Home Loan EMI & Home Loan Repayment facilities
• Home Loan amount & tenor

Communication
Communication is the solution for all inconveniences, and that’s why our communication partner that is Chabot is in your service 24*7, where you will be given satisfactory answers to your questions over messages. It isn’t always possible for you to hop between the bank for every query, that’s why online home loans seem like a better place to opt for Home loans. You expect to get in touch with a home loan representative at any time through loans4you.in Depending on your query you can choose to get in touch through multiple mediums like E-Mail, Message, Call, etc. Sometimes even after a home loan has been approved due to some issue you want to change your terms of the loan through an online medium rather than visiting a bank/NBFC personally.

First-hand tools
Applying for a home loan is a big step, and that’s why you can’t be operating yourself with any risks or misinformation.

We provide you tools like a Home loan EMI calculator, where you calculate your EMI by entering three details, i.e., home loan tenor, home loan amount, and Home Loan interest rate. This way, it will be easier to manage all your monthly expenses. Home loan eligibility calculator

Easy application process
One of the most significant advantages of online Home Loan application is that it eliminates the never-ending physical process of obtaining a loan.
Here you can fill out the application for loans in the following way:
• Go to our website loans4you.in.
• Choose the lender and the deal that is best suitable for you.
• Fill in the application form and submit the documents electronically.
• Wait for the approval.
• Viola! Start dreaming about your dream place.

Steps you should keep in mind while applying for a home loan Online

A home loan offers you the chance of owning a residential property and building an asset while at the same time enjoying tax benefits. You have to pay a certain percentage of the property cost, usually up to 20%, out of your funds. The home loan amount can be repaid over a fixed period at your convenience. Both the principal home loan amount and the interest repayment are eligible for tax deduction under Income Tax laws. A home loan application can be done at the bank branch, home loan processing center, or online. Let us look at some tips to keep in mind while applying for a home loan

Step : 1
Engage with multiple banks to compare and save, don’t just speak to one bank. Compare all aspects on our website Loans4you.in is the best place to compare multiple banks and save on your interest and other expenses.

Step : 2
Consider the whole package, look at the home loan rate of interest they are offering, it might be possible that they might charge a high home loan Processing fee or any other fee if they are offering a lower home loan rate of interest. In the same way, they might be charging a low home Processing fee but might be charging some other hidden charge or higher home rate of interest.

Step : 3
Structuring of the Home loan is very important… home loan, home loan Amount, home loan Tenor, home loan EMI that you can easily manage because your monthly budget will be affected after the start of your Home Loan.

Step : 4
Cost of taking the home loan…like what is the total home loan interest that you have to pay for the home loan, what is the home loan processing fee, is there any mortgage charge, do you have to pay for the franking or notary& charges.

Step : 5
what are the home loan part payment charge for a home loan, is there any lock-in period or condition for doing the part payment, what are the home loan foreclosure charge, is there any lock-in period or condition for doing home loan foreclosure.

Step : 6
We also need to check the product offering before we apply for home loan like Axis bank home loan offer 12 EMI waiver on home loan, money saver product, or any other product which can help you save on the overall home loan interest paid during the whole tenor of the home loan.

Step : 7
Customer Service or after-sale services are also important points that you should take care of. You should also take feedback from friends or colleagues before finalizing the loan.

Apply online for Home Loan Balance Transfer

1. Top-up at the rate of home loan Balance Transfer.
2. Additional top-up based on your past repayment of Top-up and Home Loan.
3. Repayment-based eligibility on the existing housing loan.
4. Home loan Balance Transfer from every bank, HFCs, and NBFCs.
5. Legal report waiver for home loan Balance Transfer from some leading banks & NBFCs.
6. Home loan Balance transfer at attractive interest rates.
7. Maximum Home Loan amount and additional Top-Up over and above Home Loan.
8. Maximum Home Loan tenor up to 30 years.

List of Documents for Home Loan Online

While you're filling up the home loan online application form, you will be required to upload the documents supporting your credential. So, here is the checklist of Loan Against Property documents that are mandatory to be uploaded along with the form pdf.

Compulsory Documents
• home loan online application form
• PAN card

Identify proofs: any of the given lists
• Passport
• Voter id
• Aadhar card
• Driving license
• Govt. employee ID (if any)
• GOI issued photo ID (if any other)

Address proofs: any of the given lists
• Aadhar card
• Driving license
• Voter id
• Electricity or gas bill
• Landline bill
• Property tax receipts
• Govt. employee ID (if any)
• GOI issued photo ID (if any other)

Birth date proof: any of the given lists
• Passport
• Driving license
• PAN card
• Birth certificate
• Aadhar card
• 12th mark sheet

Signature proof: any of the given lists
• Passport
• PAN card

Income proof for Salaried
a. Last 3 Months’ Salary slips.
b. Last 3 years form no 16 with job continuity proof for 3 years.
c. Bank statement of salary account for last 6 months.
d. Existing Loan statement for all Current loans (Sanction Letter / Statement of Account). (If Any)

Income proof for SENP
a. Business proof: CST/ GST/ VAT/ Service tax/ Shops and Establishment license copy/ SME registration copy.
b. Business profile: One the letter head of the company with signed and stamp by applicant should include Name of the Firm/Company, Address of Firm, Year of Establishment, Work Detail, No of Employee, Major Clients.
c. Business Address Proof: Electricity Bill / Telephone Bill / Passport / Bank Statement / CST/ GST/ VAT/ Service tax/ Shops and Establishment license copy/ SME registration copy.
d. Last 3 Months salary slips ( In Case of drawing salary from his firm).
e. Last 2 years form no 16 ( In Case of drawing salary from his firm).
f. Last 3 years Income Tax Returns with Computation of Income, Balance sheet and Profit & Loss Account along with Annexure (CA certified or Audited) Individual as well as of company.
g. Education certificate (Self Employed Professionals).
h. Bank statement for last 1 year – All Accounts (Self and Business).
i. Existing Loan statement or Sanction letter for all current loans.(if Any).
j. Application processing fee & recent passport size photos.

How To Apply for Home Loan Online ?

You can apply easily for the quickest loan against property with one of the best customer services by just following four simple steps.


Application

You will need to apply for a home loan, this can be done online or at bank branches/loan centers.

Loan Sanction

Post submission of your application and review of necessary KYC and documents of financial stability, the bank shall sanction your loan amount.

Review

Once the loan is sanctioned, you will need to submit the documents pertaining to the property against which your loan is sought, for technical and legal review.

Approval & Disbursal

Upon validation of your loan amount and the property sought, the bank shall approve and disburse your loan.