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Home Loan :

home loan delhi ncr logoHome loans can be used to buy new property, 2nd sale property as well as under-construction property.Banks generally provide upto 80% to 90% of the property value as a home loan. The balance has to be arranged as the initial down payment to the builder/seller.One can arrange the balance from either savings,securities ,fixed deposits ,life insurance or through a personal loan.Nowadays some builders provide fully furnished flats to enable higher loan amounts.This also reduces the cost of furnishing the house on posession.

Home loans are available from Rs.2 lakh to Rs.20 crore.

Indicative rate of interset for a 20 year loan would be:

 

 

Floating Rate 9.5% to 12.5%

  The above rates are purely indicative.The actual rates that you can get from the bank depends on various factors like income, profile,turnover,repayment history,builder track and negotiating power etc.
 
 
 
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