Home Construction Loan ek khas tarah ka loan hai jo sirf ghar banane ke liye diya jata hai. Yeh loan naya makan banane ya under-construction property ko complete karne ke liye liya jata hai. Bank ya NBFC sirf tabhi yeh loan approve karte hain jab applicant ke paas zameen ho aur construction ka clear plan ho.
Home Construction Loan Ke Fayde
1. Kam Interest Rate (Low ROI)
Home Construction Loan par normal home loan ke mukable kam interest rate lagta hai. RBI ki policy ke anusar, ghar banana ek zaroori awashyakta hai, isliye banks aur NBFCs ko lower interest rates par loan dene ke liye encourage kiya jata hai.
Home Construction Loan Par Subsidy Ka Fayda
Agar aap pehli baar apna ghar bana rahe hain aur yeh aapki first property hai, to aapko Pradhan Mantri Awas Yojana (PMAY) ke under subsidy mil sakti hai.
PMAY Subsidy Kaise Kaam Karti Hai?
Credit Linked Subsidy Scheme (CLSS) ke tahat, interest rate par छूट (subsidy) milti hai.Low & Middle-Income Group (LIG & MIG) walon ke liye ₹2.67 lakh tak ki subsidy mil sakti hai.Subsidy ka benefit sirf pehli property par milta hai.
PMAY Subsidy Ke Liye Eligibility:
Applicant ki annual income ₹6-18 lakh ke beech honi chahiye.Loan bank ya NBFC ke through lena hoga.Ghar female applicant ke naam par bhi ho sakta hai (required in some cases).PMAY Subsidy Ke Liye Form Kaise Bhare?Bank ya NBFC aapke Pradhan Mantri Awas Yojana (PMAY) subsidy ke liye form fill kar deti hai
Kyun Aapko Khud Form Bharna Chahiye?
Bank ya NBFC ke employees kabhi-kabhi form fill karna bhool sakte hain, jisse subsidy ka fayda nahi milta.Agar aap khud form bharenge, to koi document missing hone ka risk nahi rahega.
Home Construction Loan Process Kaise Kare?
1. KYC Complete Karein
Home construction loan process ke liye Sabse pehle apni KYC process complete karni hoti hai. Iske liye aapko ye documents submit karne honge:
✅ Aadhar Card
✅ PAN Card
✅ 1 Passport Size Photo
2. Banking & Financial Documents Tyar Karein
Loan approval ke liye aapki financial stability dikhana zaroori hota hai. Iske liye:
✅ Bank Statement (Jisme aapka regular transaction ho)
✅ Agar aapke koi dusre loans hain (Personal Loan, Business Loan), to unke loan statements bhi ready rakhein
✅ Salary Slip ya ITR File (Agar aap salaried ya self-employed hain)
3. Property Ke Legal Papers Ready Rakhein
✅ Property Registry & Title Deed (Jisme aapka naam ho)
✅ 13 Saal Ka Chain Record (Encumbrance Certificate)
✅ Approved House Map & Estimation कॉस्ट
4. Income Proof Dena Zaroori Hai
✅ Salaried Customers ke liye:
Last 3-6 months ki Salary SlipForm 16 ya ITR (Income Tax Return)
✅ Self-Employed Customers ke liye:
Gumasta License ya Udyam Certificate (Business Proof)Last 2-3 years ka ITR & Profit-Loss Statement
5. Bank Login Fees Jama Karein
✅ Sabhi documents submit karne ke baad aapko bank/NBFC ki login fees deni hoti hai.
✅ Login fees jama karne ke baad aapki loan file process me chali jati hai.
Home Construction Loan – Technical Manager Visit process
1. Property Visit by Technical Manager
✅ Aapki loan file login hone ke baad, technical manager aapke plot ki location visit karta hai.
✅ Property ka size check karta hai aur total square feet calculate karta hai.
2. Property Size Measurement (Example)
Agar plot ka size 15 feet choda aur 40 feet lamba hai, to:
➡️ 15 × 40 = 600 square feet
➡️ Iska matlab aapki property ka total area 600 square feet hai.
3. Boundary & Location Verification
✅ Plot ki chaaron boundaries check karta hai (Corner plot hai ya nahi).
✅ Aas-paas kis-kis ka makan hai, ye verify karta hai.
✅ Main road ya normal gali ka access hai, isko confirm karta hai.
✅ Ye sab details registry ke documents se cross-verify karta hai.
4. Report Submission
✅ Technical manager site visit ki report tayar karta hai.
✅ Report bank/NBFC me submit hoti hai, jisme property ka exact status mention hota hai.
Home Construction Loan – Credit Manager Visit Process
1. Credit Manager Visit Kyon Hota Hai?
✅ Technical manager ki visit ke baad Bank/NBFC ka Credit Manager aapki financial stability verify karne ke liye visit karta hai.
✅ Ye process aapki income aur job/business authenticity check karne ke liye hoti hai.
2. Salaried Customers Ke Liye Verification
✅ Aapke office/company ka physical visit hota hai.
✅ Aapke senior ya HR se salary aur job role confirm kiya jata hai.
✅ Provident Fund (PF) aur company ka registration check kiya jata hai.
✅ Aapki salary account statement aur Form 16 cross-verified ki jati hai.
3. Self-Employed Customers Ke Liye Verification
✅ Aapke business location (shop/office) ka physical visit hota hai.
✅ Aap kaunsa business kar rahe hain, ye check kiya jata hai.
✅ Gumasta License aur Udyam Certificate verify kiya jata hai.
✅ Shop/office par laga QR code scan kiya jata hai (Ye confirm karne ke liye ki business aapke naam par registered hai ya nahi).
✅ Agar QR scan karne par kisi aur ka naam aata hai, to aapka loan case ulajh sakta hai.
4. Final Report Submission
✅ Credit Manager sari details verify karne ke baad report prepare karta hai.
✅ Ye report bank/NBFC ke loan approval department me submit hoti hai.
Home Construction Loan – RCU (3rd Party) Visit Process
1. RCU Visit Kya Hota Hai?
✅ RCU (Risk Containment Unit) ya 3rd Party Verification Team loan approval se pehle final cross-checking ke liye visit karti hai.
✅ Iska main kaam ye ensure karna hota hai ki Credit Manager aur Technical Manager ki reports sahi hain ya nahi.
✅ Agar koi mistake ya fraud detection hota hai, to loan reject ho sakta hai ya dobara verification hoti hai.
2. RCU Team Kya Verify Karti Hai?
✅ Credit Manager ki Report ko Cross-Verify Karta Hai
➡️ Income Proof aur Job Verification Check
➡️ Salaried Customers ka Office Visit Confirm Karta Hai
➡️ Self-Employed Customers ke Business Proof Verify Karta Hai
2. RCU Report Submission & Loan Approval
✅ RCU team apni final report bank/NBFC ko submit karti hai.
✅ Agar koi mistake ya fraud detect hota hai to dobara verification hot sakti hai.
✅ Agar sab kuch clear hota hai, to loan approval ke liye final stage par bhej diya jata hai.
Home Construction Loan – Final Approval Process
1. Reports Approval Process
Aapka home construction loan approve hone ke liye chaar major reports clear honi chahiye:
✅ Technical Report – Property ka size, location, boundary, aur ground reality verify hoti hai.
✅ Credit Report – Income proof, job/business verification, aur financial stability check hoti hai.
✅ RCU (3rd Party) Report – Credit aur Technical Manager ki reports ko cross-verify kiya jata hai.
✅ Legal Report – Property documents (Registry, Chain Record, Title Deed) check hote hain.
2. Legal Report Kaise Banai Jati Hai?
✅ Legal report Bank/NBFC ki legal team khud hi prepare karti hai.
✅ Ye ensure karti hai ki property par koi dispute ya legal issue na ho.
✅ Property freehold hai ya kisi aur ke naam pe registered hai, ye verify kiya jata hai.
✅ Agar sab kuch clear hota hai, to loan final approval ke liye bhej diya jata hai.
3. Final Loan Approval & Disbursement
✅ Sabhi reports approve hone ke baad loan sanction letter issue hota hai.
Home Construction Loan – Important Points to Keep in Mind
1. Loan Amount Ek Saath Nahi Milta
✅ Bank/NBFC aapko poora loan ek baar me release nahi karti.
✅ Construction ke progress ke hisaab se aapko paisa milta hai.
✅ Agar aapne 1st installment ke baad construction nahi kiya to 2nd installment nahi milegi.
2. Part Payment Process (Stage-Wise Disbursement)
✅ Bank/NBFC ki guidelines ke anusar kaam karna hoga.
✅ Jese jese kaam hoga, waisa waisa cheque release hoga.
✅ Agar construction bank ki policy ke mutabik nahi ho raha, to agla payment rok diya jayega.
3. Loan Calculation – Square Feet Ke Hisab Se
✅ Aapka total plot size ke base par loan decide hota hai.
✅ Current construction cost ₹1300 per sq. ft hai.
✅ Agar aapka total plot size 600 sq. ft hai, to loan calculation kuch aise hoga:
➡️ 600 sq. ft × ₹1300 = ₹7,80,000
➡️ Aapko ₹7.8 lakh ka loan mil sakta hai (Bank/NBFC ke policy par depend karta hai).
4. Compliance Follow Karna Jaroori Hai
✅ Agar aap bank/NBFC ki conditions follow nahi karenge to agla payment nahi milega.
✅ Construction ke har stage ka proof submit karna hoga.
Conclusion
Home Construction Loan lena ek step-by-step process hai jisme technical, credit, RCU aur legal verification hoti hai. Bank/NBFC loan amount ek saath nahi deti, balki construction progress ke hisaab se disbursement hota hai. Is loan ko lete waqt guidelines ka dhyan rakhna bahut zaroori hai, nahi to agla payment ruk sakta hai. Agar aap planning ke saath aur bank ki policies ko follow karke construction karte hain, to aapko bina kisi dikkat ke loan ka pura benefit mil sakta hai.