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Loans have made our life easier, providing us the financial leverage that extends beyond our earnings. Be it Credit Card, Home Loan, Personal Loan or Auto Loan etc. loans are the credit extended to us by lenders on fulfilling certain key parameters. However, getting a loan in India can often be a tedious process for the un-initiated, but not for individuals with a good credit score.
It is prudent to use any surplus income to make part prepayments towards your loan. This will help you pay lower interest. However, some lenders have stringent rules regarding prepayment accompanied by hefty charges. So, find out what these are and the minimum prepayment amount allowed. This will help you realise if you will be able to clear the loan quickly or not.
SBI's Flexipay home loan comes with an option to go for a moratorium period time during the loan term when the borrower is not required to make any repayment
Before you start the home loan process, determine your total eligibility, which will mainly depend on your repaying capacity. Your repayment capacity is based on your monthly disposable
This government scheme also known as PMAY, was earlier known as Indira Gandhi Awas Yojana. In June 2015, the government announced Credit Linked Subsidy Scheme (CLSS) under.