Get the Right Home Loan Policy

1
Are you Choosing the Right Home Loan Policy ?
2
Planning to buy your dream home
Do I have enough finance to buy new house, else
how can I arrange the finance

3
Should I go for Gold Loan ?
Should I go for Mortgage Loan ?
??????
OR Should I go for Home Loan ?
4
Can Gold Loan suit my need?

• Gold Loan which will help me to draw immediate
  cash by keeping my gold ornaments and jewelry.
• Interest Rate for Gold Loan 12-16 per annum.

5
Can Mortgage Loan suit my need?

• Mortgage Loan Which will help me to have
  finance by keeping my land or property as
  security at bank and borrow the money.
• Interest Rate for Mortgage loan 13 - 14 per
  annum.

6
Can Home Loan suit my need?

• Home Loan The most preferred finance scheme.
  This is mainly because banks provides -
• Low interest rates
• Maximum amount
• Maximum tenure
• Low EMI amount
• No prepayment charges
• Low or free from processing fee
• No additional charges
• Easy guidelines and very little security involve.
• Interest Rate for Home loan 9 - 10 per
  annum.

7
Home Loan Eligibility.

• Home loan eligibility is decided by customers
  repayment capacity .
• Repayment Capacity Based on Factors Such as -
• Income,
• Age, qualifications
• Number of dependants,
• Spouse's income
• Assets, liabilities, stability and continuity of
  occupation and savings history
• Usually calculating monthly instalments is quite
  a challenge for loan borrowers. Tools such as a
  home loan Emi Calculator make it easier to
  calculate the equated monthly instalment amount.

8
Best Home Loan Providers

• A customer who is trying to find the
  bank/institute offering the best home loan should
  look for banks like
• SBI Bank
• HDFC
• LIC Housing
• Axis Bank
• ICICI Bank
• IDBI

9
(No Transcript)