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If you have been paying your extra bonus or savings in addition to your existing home loan EMI, you are prepaying the amount before time. In such cases, people get very confused if it will reflect on their monthly installments sooner or later. Most of the banking organizations give two options –
1. You can reduce the tenure and keep the outstanding amount same.
2. Lower the EMI but keep the tenure same.
You can always calculate the outstanding amount and monthly installments either on home loan EMI calculator or prepayment calculator present on several banking websites. Select either one of the options carefully based upon your finances and responsibilities. Also, make a note that the banking organizations do charge a penalty when closing the loan before the decided period of the time. You can check in with the bank with the scheme and make your move.
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If you are someone who is thinking apply for a home loan, what you need to know are some rules and regulation to make the whole process hassle free.
1.Credit score is what matters the most to grab some really good deals on home loans
2. In most of the cases a home loan eligibility calculator can be use to check the lending amount.
3. The financial documents should be kept ready before applying for the home loan in order to avoid any hassle during the whole process.
4.One thing you need to keep very clear is that the more you pay as the down payment, the better for you. Savings should be made for the first down payment as it ranges somewhere between 2.5% to 25% of the total cost of the property that you are planning to buy.
5. A good relationship should be maintained with the home loan lending company so that loan sanctioning can be an easier process to go through.
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So, let’s dive deep into the different components involved in the Home Loan EMI calculator:
The amount of loan
If you are thinking about getting a home loan, the first thing that you need to choose is the loan amount. After the amount of loan is decided and the calculation of down payment is the next step. Once this is also done, you can get a better idea of the monthly installments.
Tenure of Home Loan
The next step after deciding the loaning amount is to decide the time period which starts from 6 months to 30 years. The longer the loaning period the higher the repaying amount due to the added interest.
Interest Rate and Processing Fee
Once all these things are decided the next thing to do is to enter the interest rate offered by your preferred bank. You can easily check the various home loan EMI calculator rates which are offered by different banks online and enter it in the calculation.
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Home Loan is a Secured loan which is given against offered against a house/property which is funded by the bank’s money, the property could either be personal or a commercial one. The Home Loan is an aid which is availed by a money borrower from the bank by the borrowing party giving the conditional ownership of the property to the bank which can be used to retrieve the loan amount in case of a repayment failure.
There are different types of home loans:
1. Home Purchase Loan: The basic type is the home purchase loan which serves the purpose of buying house.
2.Home development Loan: This type of home loan is for the improvisation or repair of the home
3.Home migration Loan: It is that type of home loan in which wherein the borrower is already availing a home loan to finance his current home, but now wants to move to another home.
4.Bridge Loan: This type of loan helps finance the new home of the borrower when he wants to sell the existing home, this is normally a short-term loan
5.Home Construction Loan: This type of home loan taken when the borrower wants to construct a new home.
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Before applying for home loan, the major question popping out is the minimum or maximum amount of home loan that can be availed. Although, you can calculate your eligibility and monthly installments with home loan EMI calculator, here are some criteria that you can watch out –
1. The maximum amount of home loan bought against a property is 80- 85% of its total value.
2. Minimum amount of home loan availed through any banking organization is at least 3 lac rupees.
3. In terms of salary, 60 times your salary can be your home loan if taken in long tenure.
4. The maximum tenured loan cannot exceed than 30 years.
Based on such criteria, the loan is provided to the borrowers. Minimum amount is 3 lacs INR and maximum depends on factors such as – income and property value.
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Why Chennai is the best place to live?
Chennai is famous for tourist places, street food, shopping, good residential areas, job opportunities, good education and what not. If you are a bachelor or student who is about to live in Chennai, should know which place is the best and why. You will get numerous accommodations to live and paying guest in Chennai is one good option to consider. Here is why Chennai is best place to live in the city –
1. Chennai is a very good residential area. The neighborhood is excellent.
2. The connectivity is top-notch, and you will never find difficulty in transportation.
3. You can get lots of affordable options in paying guest in Chennai.
4. There are so many places for entertainment here such as – Restaurants, theme park, Hand laser tag, good night clubs etc.
You can consider Chennai as a locality to live.
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Delhi is the capital of India. It has the highest migrants relocating there all over the country. Hence, the residential sector is in very demand. If you are confused whether should you be staying in an apartment or a PG in Delhi, here are the things to know –
1. Rent – If you are living in a PG in Delhi, it will be more pocket friendly on the other hand, apartments can be expensive. Consider spending 9-12000 INR on pg on the other hand 15-17000 INR monthly on apartments.
2. Feasibility – Since there is no trend for apartments in Delhi, you would not get apartments of your choice near your destination. So PG are beneficial.
3. Responsibility – There are less responsibilities when you live in pg. You need to have to take care of bills and groceries.
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So, let’s dive deep into the different components involved in the Home Loan EMI calculator:
The amount of loan
If you are thinking about getting a home loan, the first thing that you need to choose is the loan amount. After the amount of loan is decided and the calculation of down payment is the next step. Once this is also done, you can get a better idea of the monthly installments.
Tenure of Home Loan
The next step after deciding the loaning amount is to decide the time period which starts from 6 months to 30 years. The longer the loaning period the higher the repaying amount due to the added interest.
Interest Rate and Processing Fee
Once all these things are decided the next thing to do is to enter the interest rate offered by your preferred bank. You can easily check the various home loan EMI calculator rates which are offered by different banks online and enter it in the calculation.
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Be a game changer by investing in Real estate India
The real estate sector is miraculously a good way to invest your capital and enjoy for the rest of your lives. It is bettering the economic sector of the country every day. Even the previous year, has witnessed at least a 30% rise in the sale. Not only the cities and states are benefited from the growth, but the villages and other backward areas are also seeing a huge development in terms of infrastructure. NRI’s are also investing in residential properties in India and the reason is cheap properties, labor, and paperwork. The best way to double the income is to invest capital in a good and decent residential place. Not only the investments are reasons to buy the home but settling down is another. A property’s worth equals to a hen producing golden eggs.
You can be a game-changer by just owning the right home. You may look for apartments, houses, villas, independent floors, farmhouses, penthouses. India is a country where you will find lots of metro cities whose property values are rapidly increasing, and their worth will blow your minds. Now if you have been looking for a while now then you can have a look on property in Mumbai. Mumbai, India is a city in Maharashtra state and one of the largest cities in the country. Investing here will promise you some good chunks of profits.
Why should you be investing in Mumbai?
Mumbai, India is an integration of various cultures, traditions, stories, professions, food, and whatnot. It seems to be very difficult to sum up the city in just a few lines. Its promising background, good education, and employment opportunities are the major reason which brings people there. Many non-Indians visit Mumbai for its tourist attractions and that is when many of them decide to stay connected with India. The value of a property is known by its location and feasibility. Many people try to get a good property in a better location which has increased quite a competition over here. The initial price of the homes may be quite expensive if you are planning to live in a good area but the return on investments is going to be excellent in the future. Talking about the career aspects, this city is known for its Bollywood and business opportunities. Many artists every year in search of work come to Mumbai and many aspiring business minds wish to start their business here only.
In the education background, Mumbai has top medical and engineering colleges. Also, many MBA course colleges are here with top faculty and promising placements. Mumbai city is famous for its educational institutes. The food in Mumbai is very cheap and delicious. You name the cuisine and there are so many options that you will yourself get confused. This city never lags behind fashion. From cheap shopping till designer clothes, you will get it all. The weather here remains pleasant and there are extreme summers or winters here. Rainfall lovers should choose Mumbai. The list of reasons why to invest in Mumbai will go on and on.
Where should you live in Mumbai?
Mumbai is such a large city and its property worth varies location to location. There are places where you will find cheap homes and on the contrary, there are ultra-luxurious and super expensive homes. Here is a list of some of the best location of the town where your search can end –
Juhu
Powai
Bandra
Ashok Nagar
Kharghar
Thane west
Many Bollywood celebrities live in Juhu and Bandra. There are many beaches in these places which make a perfect place to live and enjoy at the same time. Though the property rates can be a little high, the value would never decrease. If you wish to buy affordable homes, then you can also try flats in Kharghar . Mumbai is a huge city and so you need to invest time in researching the areas, feasibility, and cost of the property. Try avoiding brokers, instead, you can switch to online websites where you can try fitting your requirements and budgets and get all the exclusive properties in your hand without paying anything to anyone.
You should also keep these top builders in mind while buying a property in Mumbai for yourself –
Mahindra Lifespaces Developers.
Tata value homes.
Godrej properties.
Oberoi Realty.
Lodha Group.
Mumbai is near to many tourist spots and Mumbai is itself a tourist spot. It means it is already an inviting place to Indians as well as non- Indians. From India gate, Chor bazar to Juhu and Bandra beaches, there is a lot to explore there.
To buy a residential property, you need to clarify things with yourself first. Get straight with your requirements, then search for the locations under your budget continuously and then site seeing is very important. As soon as you figure out you like the area and building, visit the place multiple times and then come to a decision. The government of India has taken a lot of steps forward to promote the real estate sector. Housing loans have some of the beneficial schemes. Also, now you can save up to lakh rupees in Income tax with some new and good rules in income tax investment.
Managing finances is no big deal today with such good and flexible rules. Also, the government has approved various affordable housing projects for middle-class families. If you are short on budget, then also you will be able to live under your roof and secure your family’s future. Even if you do not ideally want to invest in property if you already have one then you can surely put on rent. Property in Mumbai has good rent value. It is also a good way to have a good return on investment throughout the life. Investing in properties has never let anyone disappoint and doubt their capital value until invested in the right one. So go ahead and buy a property in Mumbai.
Source: https://gibaultonline.com/be-a-game-changer-by-investing-in-real-estate-india/?fbclid=IwAR1kAQrB567pPMQGcOudN_-nAszhra-Z0RxP3ucDntweYGrEDAlEr5w6CAE
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I thought about moving my parents with me in Jaipur from Ajmer as they were growing old and my father too had retired. So to ask my parents to come and live with me I would have to find a better property to settle in and it came to my mind to start looking for houses for sale in Jaipur.
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Flats in Jaipur were generally concentrated within the city during that time and the houses for sale in Jaipur were located on the outskirts of the city. Therefore it was quite difficult for me to find the flat of my choice within the pink city.
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