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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| 25602 | I intend to sell my home which is already under loan with ICICI Bank. The person intending to p | ||
| 25599 | Dear Sir, I have identified the property and I would like to appky for a home loan, i checked | ||
| 25598 | Dear Sir I took a home loan of 27 lacs from ICICI 3 years back. My current int rate is 11.75% w | ||
| 25596 | Dear sir, I applied for home loan of 21 lakhs from Axis bank. I received the santion letter whi | ||
| 25592 | Hello Sir, Could u tell me is there any requirement of guatentor, if yes, could u tell me is th | ||
| 25590 | can husband and wife who is co owner and co borrower , only husband paying emi can claim 5 lacs | ||
| 25588 | My Father has a home loan for a property in his name. I as a son wanted to take the home loan r | ||
| 25585 | Respected Sir, This is Ramesh from Trivandrum. I have totally confused whether to shift my hou | ||
| 25577 | Hello, Can I get loan to build guesthouse in land that falls in Urban village? If yes, then wha | ||
| 25576 | Hi Harsh, I have a flat in Pune which I bought in Jan, 2005 and took 15 Lacs loan from ICICI ba | ||
| 25575 | I have a Rs.20 lac housing loan from ICICI Bank. Suppose, due to my financial problems,I defaul | ||
| 25572 | Dear Harsha, I have obtained a part of the property vide compromise petition between brothers a | ||
| 25569 | 1. I want to buy a ready possession apartment in Gurgaon. Can I avail a loan (single or joint) | ||
| 25567 | Is there HDFC branch in raigarh? | ||
| 25566 | Hello Sir, My name is Naveen, I have planned to buy a property in Bangalore and need a home lo | ||
| 25563 | Hello Sir, I have a loan from Axis Bank . Currently the floating rate of interest is 10.25% . | ||
| 25562 | Dear Harsh Ji i am buying a house from Paramount Tulip at sahranpur for which i want 19 lakh ru | ||
| 25559 | I have an existing Housing loan (Balance 22.2 lacs) from a Public Sector bank, at 11% rate (Flo | ||
| 25558 | Hi, my query is 1. what is recommendable to take loan from nationalised bank or private? 2. wh | ||
| 25551 | Sir, We have one flat in NCR delhi. My wife is the sole owner of this flat while I'm co applica | ||
| 25550 | Sir, I'm aGovernment employee and presently posted at Diu and residing in government accomoddat | ||
| 25546 | I have applied Home Loan from Axis Bank and he is saying that Home Insurance and my life insura | ||
| 25543 | I have one current housing loan and i have taken another home loan for buying a second house. t | ||
| 25542 | Can I avail two home loans from two separate banks at the same time for purchasing the same fla | ||
| 25536 | I am planning to buy a residential plot, worth 45 lakhs in bangalore. My take home salary is 50 | ||
| 25535 | I am in the process of selling my present home and buying a larger one. For my present home the | ||
| 25533 | Sir, I am availing deduction 0f Rs.150000, against interest on Home loan as per EMI paid. I am | ||
| 25532 | Sir, I have bought a flat in Indirapuram in May 2008. Registry of flat is in joint names of mys | ||
| 25531 | Dear I have a cibil bad credit report I want to check If I settle the accounts of the banks wit | ||
| 25530 | Dear Sir, I have read one of your article in rediffmail where in it was indicated that if the | ||