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10 Steps to peaceful Home loan processing (Page 1 of 3)
Building a home of our dream is a life time achievement to a middle class person. For making this dream come true to a middle class person banks are playing a significant role by providing them with the right home loans at door steps. But if do not plan properly and if we are not aware of the policies, terms and conditions of the bank we will end up paying more to the bank in terms of principal and interest components.
For the convenience of our customers we planned to give a 10 steps plan which the customer has to understand to take a home loan to build a dream home of their life.
Please read these 10 steps of processing carefully and follow these to make the transaction a memorable moment in your life.
Before going for a home loan processing please be aware of your loan product and the terms and conditions that the Bank is asking to fulfill to have the loan done. There are different products for which bank is having different terms and conditions for each product. Normally the Bank will have the below products which come under home loans.
a. New Purchase of Flat or Independent House: In this a customer can purchase a New Flat or Independent house of his choice which is under construction or in ready to occupy position.
b. Resale purchase: This product is applicable to those customers who wants to go for a Flat or Independent house which was already owned by some body else.
C. Plot + Construction: The product is applicable to those customers who want to buy a Plot and do the construction immediately, but banks ask you to start the construction with in the specific period of time.
d. Balance Transfer (BT): A person who wants to transfer a loan from one Bank/Financial Institution to other can opt for this product.
e. Construction: A person who wants to construct a house in his/her plot can go for this loan.
f. Plot: A customer can go for this loan who wants to purchase a Plot which is under HUDA, Municipality and Grampanchayat limits.
g. Enhancement: Increasing the loan amount which was already taken from the same bank is called enhancement.
h. Top Up: This loan is just a facility that banks provide to customers to take on the basis of the previous loan and the repayment track.
I. Mortgage: It is the loan that a customer can opt by depositing the original property documents with the bank which he already owns.
2. Rate of Interest (ROI): The most important point to be taken care of in taking a home loan. There are two types of interest rates which banks normally have i.e Floating and Fixed.
Floating Rate of interest is subject to change according to the money market conditions. If the interest rate increases then the bank will increase the Rate of Interest on your loan vice versa.
Fixed Rate of Interest is fixed for the complete tenure of for over a period of time depending on the Banks, but Banks reserve the right to modify the rate of interest if they is any huge differences in the money market conditions.
Non Teletrack payday loans-Grab instant money to improve your credit profile
Do you have several bad credit scores due to some past payment defaults? Are you frustrated because you are facing financial crisis? Do not worry as here are non Teletrack payday loans for you. This is the feasible and suitable financial assistance for you that are quick fix financial aid for bad creditors. One need not have to face the embarrassment due to the imperfect credit scores as these loans are offering suitable financial aid. So, leave the worries and get applied with this loan for better and accurate fiscal support.
Non Teletrack payday loans demand some of the eligibility criteria to be fulfilled by the applicant in order to get the approval. These are as mentioned below:
1. The applicant should be having permanent citizen of US.
2. He should be holding a valid and active checking account
3. He needs to have a full time or part time employment
4. Your earning should be at least $1000 per month
5. Attaining the age of eighteen years or more is needed
There will be no worries if you are affected with several bad factors like insolvency, foreclosures, bankruptcy, CCJ, arrears, skipped payments, late payments and so on, you are welcome to avail this loan opportunity. Here, lenders do not judge your repayment ability on the basis of your credit status. This loan can be benefitted to all applicants irrespective of holding any type of credit scores.
Bad credit loans comes under short term loan category that are in unsecured form. You do not have to arrange any collateral to pledge. Thus, it takes away all the mess regarding your income and checking account. Loan amount that you are allowed to borrow depends upon your monthly income. Funds can spend on any desired purpose whether for personal use or professional use. Expenses like unexpected medical bills, sudden car damage, credit card dues, small vacations, birthday celebrations and so on.
Using internet helps you to get this loan aid at faster pace. You need not have to undergo any tiresome and cumbersome loan formalities. A single application form is required to be completed. Funds will transfer in your checking account once you are approved. Money can be accessed directly from your bank account without any wastage of time and putting any physical efforts.
If you are unable to meet your financial dues due to scarcity of funds and bad credit status, here are non Teletrack payday loans for you. These loans are accurate and pertinent fiscal aid for bad creditors to access instant money to meet their needs.