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How Do I Get a Home Loan Easily in Gurgaon?

Posted last February 8, 2018, 5:14 am in Services report article

Availing a Housing Loan in Gurgaon or any other city for purchasing your dream home is a once in a lifetime step. Hence, you should know everything to get you through a Home Loan in Gurgaon easily.

What is a Home Loan?

A Home Loan is a fabulous financial tool offered by banks, non-banking finance companies (NBFCs) and home finance agencies to help you buy your dream home.

A Housing Loan service provider can help you avail a Home Loan from Rs.30 lakh to Rs.10 crore as per your need and loan eligibility.

To check your loan eligibility if you are eligible to avail a House Loan or not, you can check a Home Loan eligibility calculator provided by lenders on their websites free of cost.


What is Home Loan Balance Transfer?

If you already have a Home Loan in Gurgaon account and unhappy with the customer service and a higher rate of interest levied of your existing lender, you can switch your House Loan. When you switch your House Loan accounts, you not only get to avail a lower interest rate, but even a facility to avail a top-up loan up to an amount of Rs.50 lakh at a lower interest-rate, instant approval and more.

What is a Home Loan Refinance?

If you are an existing Housing Loan in Gurgaon subscribed who purchased a property using his/her own funds during the last 1 year, you can avail a Housing Loan refinance facility and get funds to the tune of the registered property value.

How to Apply for a Home Loan?

Buying is a home is a big investment, and that’s why you deserve nothing, but the best! These days, you can apply online for a Home Loan and fasten the application process.

Go to a lender’s website and check your Home Loan eligibility with the help of a House Loan eligibility calculator. Each leading lenders these days have a free eligibility calculator which lets you know if you have the required eligibility to get a Home Loan easily.

7 Steps to Avail a Home Loan Online

Here are some steps that you will need to follow while applying for an online Home Loan in Gurgaon on a user-friendly website of a lender.

  1. Provide your Personal Details

Provide your personal details such as the name, date of birth, contact details and address.

  1. Give an Insight of your Financial History

Fill in your income details so that a deal suiting your needs is recommended.

  1. Your Employment Details, Please

You also need to provide your employment history.

  1. Have a Look at your Home Loan Offer

With the help of a Home Loan eligibility calculator, you can get to know what offers a lender has to offer you with.

  1. Submit the Details of the Property

Provide some details of your new home such as its exact size and location so that the best deal is suggested by the service provider.

  1. Make Payment for the Secure Fee Online

You need to pay the secure fee online so that the offer that you have selected is reserved for you. A representative from the lender will contact you to go ahead with the further loan steps and documentation after the payment of the fees. You are free to pay the secure fee via the secure payment gateways of the lender.

  1. Upload your Documents

 

Finally, you will need to upload scanned copies of documents such as signature proof, photographs, IDs, employment and income details on a lender’s website.

Also Read: Benefits of applying a Home Loan online

The Bottom Line

So, what are you still waiting? Now that you are well aware of the details of a Housing Loan including the process, why you don’t go ahead and apply for a Home Loan in Gurgaon right away!