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Manorama Information, Kerala’s #1 news and infotainment channel, is a device of MM television Ltd., Malayala Manorama’s tv endeavor. Manorama Information was released on August 17, 2006. The channel inherited the inborn talents of the Malayala Manorama everyday paper and its own editorial values: precision, credibility and equity. It increased the club in Malayalam tv development coverage and stands for unbiased reporting, intelligent commentary and revolutionary programs. MM television has actually workplaces around the world and overseas, including in significant locations in Kerala, Metros plus Dubai, UAE. Video Rating: / 5
Everyone dreams to own a home but in the ongoing economic scenario owing a home is not as easy as it sounds. But in the current scenario of inflation, the prices of plots and houses have jumped in the recent past and this has raised the demand for home loans. There are various financial lenders, public and private sector banks that offer home loans. Buying a dream house is not tough anymore as banks and financial service companies stand by you offering you home loan with lowest interest rates. Loan applicants always look for lower home loan interest rates. One can easily get a home loan if he/she falls under the set eligibility criteria. In order to be eligible for the home loan, one should be either salaried individual or self employed or should be a professional. In precise, one should have a regular income source so as to meet the eligibility criteria because if the borrower is an earning person than there are high chances to get the loan repaid.
Besides aforementioned qualifying categories, there are some other factors that determine home lone eligibility such as income, age, interest rates, loan tenure existing loans and credit history. Although there are plethora of resources that provide you loan but searching a reliable bank and financial lender is imperative because buying a new home requires a huge amount and one can not afford risks in such huge money. There are many home loan providers in the country that offer lowest home loan interest rates and allow you to own a home within your own ease.
The home loan providers understand the specific needs and requirements of every individual client and hence they offer customized loan solutions that suits their lifestyle and requirements. Besides providing appropriate and right services to loan seekers these financial service providers also offer best consultation and stress-free processing of home loan applications. Interest rates for home loan differ as per the different financial lenders and banks. The rate of interest is based on two factors; the quantum of the loan and the loan period. Apart from this, interest rates for housing loan also depend on availability of money in the market, inflation and monetary policies of the Reserve bank of India. Banks provide two types of interest rates- floating interest rate and fixed interest rate. If a borrower opts for floating rate loan than his/her home loan installments will keep changing as per the fluctuations in interest rates. On the other hand, in fixed rate loan the monthly EMI payment is calculated at a fixed rate of interest irrespective to market liquidity and cheap funding. The decision to choose between floating and fixed rate depends on various economic factors and outlook. Floating rates offer more flexibility in regard with pre-payment while fixed rates provide protection from interest rate fluctuation and give a sense of security to the borrower.
Generally, interest rate for most loans is associated to the lender’s base rate which is determined by the banks based complying with the RBI’s guidelines. As the base rates of the financial lender are assessed quarterly by banks, this review oscillates the interest rates.
Planning to enhance the housing market, the Modi government is reviewing a new scheme that could make use of cash from the demonetisation drive. Inning accordance with report, the federal government is keen to improve the housing sector by means of a brand-new plan as well as is already in conversation with the RBI. The brand-new real estate system could be revealed as early as the Union Budget plan 2017, which is anticipated to be presented on February 1. It is reported that the last shapes of the housing scheme will certainly be decided after the information of earnings gained from demonetisation arise. The report went on to add that the federal government is eyeing a rate of interest in the array of 6-7% for home mortgage approximately Rs 50 lakh. This new lower passion price choice of 6-7% will be readily available to very first time consumers and also is most likely to offer a much required incentive to the real estate market. Video Rating:/ 5
Our finance expert resolves some of your top home loan queries for the week, including joint loan, tenure eligibility and loan for leasehold property.
Watch full video: http://www.ndtv.com/video/player/the-property-show/residential-projects-starting-from-rs-30-lakh-in-mumbai-thane-navi-mumbai-and-pune/413561?yt
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Generally when we take home loan, we take into account our current income and accordingly apply and get the loan. However with income going up or second income adding in, we generally accumulate some surplus and face the dilemma that what to do with the surplus funds – Should I prepay the home loan or should I invest the money somewhere? In India, average duration of home loan is 8 years which means most of us do prepayment of the loan. Are we taking the right decision?
This video provides the analysis and helps you arrive at a right decision.
Please note: currently we have not considered Prepayment cost or tax consideration which will be discussed in detail in upcoming videos.
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