Aaj ke zamaane me apna ghar lena har kisi ka sapna hota hai. Lekin ghar ki keemat itni badh gayi hai ki bina home loan ke lena mushkil ho sakta hai. Agar aap bhi soch rahe hain ki home loan kaise milega, to yeh guide aapke liye hai.
Is article me aap jaanenge:
✔ Home loan kya hota hai?
✔ Home loan lene ke liye eligibility criteria kya hai?
✔ Kaunse documents chahiye?
✔ Home loan jaldi kaise milega?
Home Loan Kya Hota Hai?Home loan ek financial loan hai jo bank ya NBFC aapko ghar kharidne, naya ghar banane, ya purane ghar renovate karne ke liye deti hai. Is loan ko EMI (Equated Monthly Installments) me repay karna hota hai, jo interest rate ke sath hota hai.
Types of Home Loan:
✔ Home Purchase Loan – Naya ya purana ghar kharidne ke liye
✔ Home Construction Loan – Naya ghar banane ke liye
✔ Home Renovation Loan – Purane ghar ki repair ya renovation ke liye
✔ Balance Transfer Home Loan – High-interest loan ko low-interest loan me transfer karne ke liye
home loan Milne Ke Liye Eligibility Criteria
Agar aap home loan lena chahte hain, to aapko bank/NBFC ke eligibility criteria ko fulfill karna hoga.
Eligibility ko hum points me samjh sakte hain:
- Age Criteria:
✔ Minimum 21 saal aur maximum 60 saal (salaried logon ke liye)
✔ Self-employed logon ke liye maximum 65 saal tak ho sakta hai - CIBIL Score:
✔ 600+ CIBIL score hona zaroori hai
✔ Agar CIBIL score kam hai to loan milne me dikkat ho sakti hai
✔ CIBIL score improve karne ke tarike: Time pe credit card bill bharna, EMI late na karna - Income Criteria:✔ Minimum ₹20,000 per month salaried logon ke liye
- ✔ Self-employed logon ke liye ITR (Income Tax Return) dikhana padta hai
- ✔ Aapki income jitni zyada hogi, loan approval utna jaldi milega
- Property Value & Loan Amount:
- ✔ Bank property ki value check karega (Legal documents & valuation)
- ✔ Generally, bank property ke 75-90% tak loan deta hai, baaki aapko down payment karni hoti hai
Home Loan Ke Liye Required Documents
(A) Identity & Address Proof
:✔ Aadhaar Card
✔ PAN Card
✔ Passport / Voter ID / Driving License (Optional)
✔ Applicant aur Co-Applicant ke Passport Size Photos
(B) Income Proof: Salaried Employees ke liye:
✔ Last 6 months ki Salary Slips
✔ Form 16 aur Latest ITR (Income Tax Return)
✔ Last 6 months ka Bank Statement
Self-Employed ke liye:
✔ Last 3 years ka ITR with Computation
✔ Business Registration Proof (GST Certificate / Shop Act License etc.)
✔ Last 6-12 months ka Bank Statement
(C) Property Documents:
✔ Property Agreement (Sale Deed / Registry Copy)
✔ Property ke Legal aur Valuation Documents
✔ NOC (No Objection Certificate) from Society / Builder”
Ye sabhi documents jama karke aap kisi bhi private bank, NBFC, ya government bank me
HOME LOAN ke liye application form fill kar sakte hain aur apna loan process start kar sakte hain
HOME LOAN LOG IN FEE
Home loan application ke process me bank ki policy ke hisaab se login fee pay karni hoti hai. Ye fee har bank me alag ho sakti hai. Kuch banks me login fee ₹1,170 hai, kisi me ₹4,130, aur kuch banks me ₹5,900 tak bhi ho sakti hai.
Login fee aapko file login hone ke baad deni hoti hai. Iska payment aap cheque ya UPI ke madhyam se kar sakte hain. Agar ye options available nahi hain, to aap bank ke cash counter par jaakar bhi payment kar sakte hain.”
Login fee pay karne ke baad bank aapki eligibility check karta hai. Agar aap eligible hote hain, to aapka loan process aage badhta hai, aur agar nahi, to bank aapko eligibility criteria ke according guide karta hai.”
Positive Sentiments:
- Affordable Interest Rates – Home loan lene par aapko market ke comparison me sasta loan milta hai. Agar aap local money lender se loan lete hain to interest rate 10% per month tak ho sakta hai, jabki bank ka rate sirf 8-9% per year hota hai.
- Insurance Coverage – Home loan ke sath aapko insurance coverage milta hai, jo kisi bhi emergency situation me aapke family ke liye financial security provide karta hai
- Tax Benefits – Home loan ke interest aur principal repayment par aapko income tax me chhoot milti hai, jo ki ek bada financial benefit hai.
- Property Ownership – EMI bharne ke baad aapke paas apni property hoti hai, jo future me ek asset ban jati hai.
Negative Sentiments:
1 Higher Repayment Amount – Aapne 5 lakh ka loan liya, par interest aur other charges mila kar aapko 8 lakh tak wapas karne pad sakte hain, jo ki kaafi zyada hai.
2 Long-Term Financial Commitment – Home loan 15-20 saal ka commitment hota hai, jisme aapko har mahine EMI deni hoti hai, jo financial burden create kar sakta hai.
3 Insurance Cost – Loan ke sath milne wala insurance helpful hai, lekin iska premium aapke EMI me add hota hai, jisse overall loan cost badh jati hai
4 Prepayment Charges – Agar aap apna loan jaldi repay karna chahte hain to kai banks aapse prepayment penalty charge karte hain.