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FAQ
What is my credit score?
Your credit score, a numerical representation consisting of three digits, A good credit score increases your chances of getting the loan, gives you approval faster, and has a better interest rate
How much loan do i need
Figure out the funds you need to meet your objective and only borrow that much. It might be tempting to take a loan of a higher amount, Give a thought to the loan amount you want to apply for. It should be commensurate with your income so the EMI can be easily repaid
Where to borrow from
You should look to borrow from a financier that offers the best interest rate along with the ease of process.
Other charges
In addition to the aforementioned interest rate and the processing fee, there are numerous other charges that you may have to bear when it comes to availing loan, hence you should calculate or ask all the charges initially take a mail confirmation then only proceed.
How is my loan eligibility calculated
Basically all the loans are mainly focused on your credentials like SAL, Obligations, Investments and credit score but when it comes to secure lending lenders see three dimensionally Credit , Legal & Technical all the 3 aspects need to verify.
Prepayment charges
The latest RBI guidelines for Home Loan 2021 has waived off the prepayment charges for Home Loans. However, this is only applicable for loans subject to the floating interest rate. There are also no charges for Loan Transfer.
What happens if I pay more than EMI on home loan?
If you can, then pay more than the regular EMI. The surplus amount will not only reduce your principal outstanding, but also your interest burden. You can also pay one more EMI (than the usual number of EMIs) every year. This is an effective trick to reduce your loan tenure, and in turn the interest cost.