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Paisabazaar
Offers on Paisabazaar are only from Credit Institutions regulated by the RBI

Category: Home Loan

Home Category: Home Loan (Page 2)
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Co-borrower vs Co-owner vs Co-applicant

Team PaisaBazaar
Co-borrower, co-owner and co-applicant are the terms that some people use interchangeably. However, each of these terms has its associated legalities and financial obligations related to home loans. Therefore, you must know what these terms mean and how they are different. Who is a Co-applicant? A co-applicant is a person who applies for a home...
ITR to avail a home loan

Is it essential to file an ITR to avail a home loan?

Team PaisaBazaar
To purchase your dream home, you will need to make a substantial financial investment. If you do not have the funds available, getting a home loan is the best option. A home loan provides you with the necessary funds and gives you a longer tenure to repay the amount. However, getting a home loan has...
Home Loan Closure Check List

Home Loan Closure Checklist

Team PaisaBazaar
There is nothing more overwhelming than paying your entire home loan and becoming a proud homeowner. And while you are celebrating the end of your home loan EMIs, you must understand all aspects of home loan closure. A home loan is not considered closed unless your lender declares the same, and therefore, we have curated...
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How to pay the home loan EMIs if you lost your job due to Covid 19?

Team PaisaBazaar
As per the survey conducted by the Centre for Monitoring Indian Economy (CMIE), the second wave of covid-19 has rendered almost 1 crore Indians jobless. Mahesh Vyas, chief executive, CMIE, further said that nearly 97% of households had witnessed a decline in their income since the beginning of the pandemic last year. The condition is...
Debt-to-income Ratio

What is Debt-to-Income (DTI) Ratio & How Can You Calculate It?

Team PaisaBazaar
While applying for a loan, the bank assesses the borrower’s creditworthiness. This is done to ensure if the applicant would be able to repay the loan. A debt-to-income ratio or DTI ratio is one factor used by banks to determine whether or not to lend the loan to an applicant. To know more about the...
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Everything About Benami Property Act

Team PaisaBazaar
In the past few years, we have seen that our government has taken some major steps to put an end to the black money dealings. Various measures, such as the Income Disclosure Scheme, the Black Money Act and Demonetization, have been taken to put a halt to the black money market. In this context, the...
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Home Loan Sanction Letter vs Disbursement

Team PaisaBazaar
Home Loan Process A home loan process broadly involves three steps - application, sanction and disbursal. The first step is quite straightforward; it requires the applicant to submit the home loan application form to a lender along with the required list of documents. The next two steps of a housing loan process i.e. sanction and...
important points consider prepaying home loan

Important Points to Consider Before Prepaying Your Home Loan

Vandana Punj

We, Indians, are averse to debt. Therefore, whenever we have surplus funds, we use it to prepay our loans. However, a home loan should not be seen under the same lens as other lending products such as car loan and personal loan. Unlike other loan products, home loan offers a number of benefits, which might…

How to Avail Home Loan Subsidy Under PMAY

How to Avail Home Loan Subsidy Under Pradhan Mantri Awas Yojana?

Vandana Punj
Pradhan Mantri Awas Yojna (PMAY) - Credit Linked Subsidy Scheme (CLSS) is a government scheme launched with an aim to make buying home easier for: Economically Weaker Section (EWS) Low Income Group (LIG) Middle-Income Group 1 (MIG-I) Middle-Income Group 2 (MIG-II) The scheme offers subsidized home loan interest rates based on your household income. The...
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