General Questions

In any kind of loan, banks usually finance only up to 90% of the amount. The rest, called margin money, has to be put in by the borrower. The extent of the loan varies between 80-90% of the total amount. So, figure out how much money you will need upfront.
t is the standard practice of banks to cap the EMI at 45% of the gross monthly income. This, however, is just a broad figure. The EMI also depends on a host of non-income factors such as other loans, dependents in the family, etc. So, if there are dependents and if you are already servicing a loan, the bank may lower the EMI to 30% of your gross monthly income. But, for people whose income base is small, even 35% can ..
Once the bank fixes the EMI date, it cannot be changed during the entire tenure of the loan. So, fix a date where you can pay off the monthly outgo without much discomfort.
Interest rate is not the only cost borne by a borrower. A loan has a processing fee or an administrative fee, which is either a fixed amount or a certain percentage of the loan amount (usually between 1.5-2%). Also, see if the bank charges an application fee. Some banks, especially in the case of home loans, claim that they do not charge any ‘processing fee for work done by the bank’. This implies that you have to pay valuation fees, stamp duty and lawyer fees. This increases the outgo.

About Borrow Loan

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After You Apply

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Donec porttitor enim sed justo egestas vehicula. Maecenas interdum, urna quis facilisis elementum, lectus mi tristique turpis, dapibus suscipit tellus dui euismSed ullamcorper onsectetur velit. Curabitur luctus et arcu eget sodales.
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At The Dealership

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After You Apporved

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