Benefits of Applying Online
When Banks Compete, you win.
Apply for a Home Loan at ApnaPaisa and we will match your requirements with the best offers from our network of over 400 service providers. We will get a maximum of five providers to compete for your business. WHEN BANKS COMPETE YOU WIN. You can then decide which home loan is best for you based on:
- Lowest Interest Rate
- Lowest EMI
- No Pre-payment charges
- Lowest Processing Fees
- Maximum Eligible Loan Amount
- Mandatory Documents Required
- Lowest Processing Fees
Or any other factor that is important to you.
Negotiating Tips
1) If you have a good credit record and your income is sufficient to justify the loan you can negotiate on interest rates. You can also try and get Processing fees or legal or valuation fees reduced or completely waived.
2) If you go for a floating rate loan then pre-payment charges are not payable.
3) When interest rates are high and are expected to go down you should go in for a floating rate loan as it makes no sense to lock into high fixed rates or the so called Dual rate loans where rates remain fixed for a couple of years before shifting to regular floating rate loans. Please review this decision at least once every 6 months
4) Take term insurance and critical illness and accidental disability policy for the full loan amount to make sure you or your loved ones don't have to worry about loan repayment should you die or are disabled due to a critical illness or accident. You cannot be forced to buy this policy from the insurance company chosen by the lender - you should choose your own insurer.
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Date : 30 Jun, 2009 Question whether i shall continue to get hra per month if i shift to a ready made flat purchased in my name and plan to take homeloan from bank I am 41years old and takehome salary is Rs.40000/ Answer Claiming tax benefit on home loan and HRA exemption is delinked. |
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| 26582 | I want to purchase a plot (at hyderabad city outskirts) I need a sum of Rs.- 400000 approx for | ||
| 26579 | I have booked a flat at Kamothe, Manasrovar, Navi Mumbai Sector 35 with Giriraj Enterprises. Th | ||
| 26578 | Question : My spouse had taken a home loan on her name when she was single. Now after marriage | ||
| 26574 | i want to change my home loan from hdfc to sbi.. so it give me the benifit to me or not? | ||
| 26572 | Respected Sir, I am salaried person with monthly earning of Rs. 35,000/-. I want to obtain loa | ||
| 26565 | sir i want to buy a plot in dehradun for ersidential purpose if i woukd take loan for it from b | ||
| 26561 | Sir, I wish to take a house in my fathers name and I shall be paying the home loan, my question | ||
| 26560 | which is best bank offering home loan at the lowest rates? | ||
| 26556 | my net salary is Rs. 44000 \nd i am married. I an holding a loan and my EMI is RS. 7211 SBI. I | ||
| 26550 | which banks provide loan on Power of attorney in Delhli, i have land in sound Delhi, Okhla, sin | ||
| 26549 | Dear Sir, I can get 10 Lacs home loan from my company, but that is not sufficient. Can I get an | ||
| 26543 | Dear Sir Just wanted to know i am trying to buy a flat in pune and looking at loans .Currently | ||
| 26542 | Hi Harsh, I'm 25Yrs and want to take a home loan and construct houses. I have Land and these ho | ||
| 26540 | Hi, I intend to purchase a MHADA resale flat and wanted to understand if there are any sort of | ||
| 26539 | I want to transfer my existing home loan of Rs. 7.5 lacs for property under construction at Ajn | ||
| 26538 | HI, I WANT TO TAKE A HOUSING LOAN FROM SBI i e. 500000 UNDER THEIR NEW SCHEME FOR 5YEARS ONLY, | ||
| 26533 | SRS Group,Faridabad has recently launched a scheme PEARL INDEPENDENT FLOORS in Sector-87, Pl.ad | ||
| 26532 | in the present situation of SBI home loan scheme what is the best option for opting floating or | ||
| 26531 | Hi, I want to take loan and build house in my hometown, The cost of Construction would be 35 La | ||
| 26529 | Hi, I have an existing housing loan from GE Money at 11.75% floating ROI. Recently, I learnt fr | ||
| 26528 | Which bank will porvide me home loan of Rs. 850000 @ lower rate of int.? Pls advice | ||
| 26527 | i have a 15 lakh home loan running on my name already and would take 18 years to repay from air | ||
| 26526 | Hello Sir / Madam Hi my name is Mukaddar Patel, I stay in Chembur Mhada colony on rent basis | ||
| 26524 | Hi Sir, I have observed a tab 'average interest rate' that is available in the website while w | ||
| 26521 | Is it possible that a propoerty is registered on one person as owner but the home loan applican | ||
| 26519 | is there any bank providing housing loan without verifying cibil report | ||
| 26518 | What are the documents you need to procure from Bank once you have received the applied hOme Lo | ||
| 26514 | I am serving in Army. What if I take a house loan from AGIF and retire in two to three years b | ||
| 26509 | I already have a education loan and a two wheeler loan my income 20000Rs how much home loan wil | ||
| 26506 | Hi Harsha, I availed a home loan balance transfer from Bank A to Bank B. The Bank B was suppos | ||