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When you start earning money, after that, your biggest dream is to have your own house, but to build or buy a house, you need a lot of money, which will take a long time to earn. That’s why most people take home loans to build their house, so do you want to know that too? How to get a mortgage loan online?
To take out a mortgage loan, it is necessary to know many things, such as how much interest is charged when taking out a mortgage loan? What are the necessary documents to take out a mortgage loan?
By the way, you can apply for a home loan both offline and online, but we will give you Home Loan Apply Online Because by applying online you can get a loan quickly.
If you are unable to collect money to get or build a house, then this post of ours may be very important to you, so please read it carefully.
What is the mortgage loan?
There are many types of loans, one of them is also called a mortgage loan, under which only those people who have to take a new house, build a house or renovate an already built house can get the loan.
If in these cases, if any person needs to take a loan, then they should apply for a mortgage loan. We tell you the complete process through this post, which can help you a lot.
There are some conditions to take a house, if you fulfill all of them, then you too can get a home loan very easily.
OSE mortgage loan
Any citizen of the country who is eligible can apply for an SBI home loan. Here you will see some of its main characteristics, which will be available to the client after taking the loan.
- low interest rate
- low processing fees
- no hidden fees
- No prepayment penalty of any kind
- Amortization plan up to 30 years
- Only citizens of India can get this loan service.
- You must be at least 21 years of age for this
How to get a mortgage loan online?
If you have ever tried to get a home loan offline before now, then you will know very well how many rounds it takes for this job.
With the help of this, you can take a home loan sitting at home, if you want, apart from this, you can also use other Dene Wala home loan applications.
The interest rate is of the utmost importance in taking out a home loan because you will also find many of these lenders who will give you a home loan easily, but in them you may have to pay an interest rate of 11-13% or even more as it rises. of the loan lenders would have given the loan at a lower interest rate.
So for this reason, you should apply for a home loan online only after comparing the interest rate. So let us know how to get a home loan online or taxes to take a home loan:-
Step 1:- To get a home loan online you need to visit this website https://homeloans.sbi/.
Step 2:- After this, you must first verify your eligibility for the mortgage loan and then fill out the form carefully so that the process can be completed as quickly as possible.
Step 3:- You should now select Home Loan, then depending on you, check the things you have of these.
Step 4:- now you own ITR (Income Tax Return) Y Bank statement upload I have to do it.
Step 5:- After this, you have to give your basic data and all those who have taken the loan before will have to give information and then your profile will be ready.
Step 6:- Then we click on the type of loan that we want to take, as if we want to take a mortgage loan, then we will select on it, now how much loan is needed, we will also have to write it.
Step 7:- At the end, a list of all banks that are ready to give you a mortgage loan will appear, after comparing the interest rate, click the Continue button in front of the bank from which you want to get a loan.
Step 8:- Now you have to choose which branch of that bank you want to take a loan from, then you can choose your closest branch, then in this way you will get the final letter in which all the information is written.
In which all this information will be written about how much loan has been approved, how much is the interest rate and how much EMI will go each month, all that information will be written in the same letter.
After printing this letter and with it all your necessary documents that will be written in the same letter, you will need to take them to the bank branch. When all the things are verified, your home loan amount will also be deposited in your bank account after a few days.
2022 home loan interest rate of all banks
|lender name||up to Rs.30 lakh||30 to 75 lakh rupees||Above Rs.75 lakhs|
|OSA||8.05% – 9.05%||8.05% – 8.95%||8.05% – 8.95%|
|HDFC||8.10% – 9.50%||8.35% – 9.75%||8.45% – 9.85%|
|LIC Home Financing||8.00% – 9.35%||8.00% – 9.55%||8.00% – 9.75%|
|ICICI Bank||8.10% – 9.00%||8.10% – 9.00%||8.10% – 9.10%|
|Kotak Mahindra Bank||from 7.99%||from 7.99%||from 7.99%|
|GNP Housing Financing||7.99% -16.75%||7.99% -16.75%||8.10% – 10.70%|
|National Bank of Punjab||7.95% – 9.35%||7.90% – 9.05%||7.90% – 9.00%|
|bank of baroda||7.95% – 9.45%||7.95% – 9.45%||7.95% – 9.70%|
|Union Bank of India||7.90% – 9.65%||7.90% – 9.85%||7.90% – 9.85%|
|IDFC first bank||beyond 7.95%||beyond 7.95%||beyond 7.95%|
|Home Finance L&T||7.70% – 8.70%||7.70% – 8.70%||7.70% – 8.70%|
|Bajaj Home Financing||beyond 7.70%||beyond 7.70%||beyond 7.70%|
|Godrej Housing Financing||7.94% – 10.99%||7.94% – 10.99%||7.94% – 10.99%|
|Tata Capital||more than 8.10%||more than 8.10%||more than 8.10%|
|federal bank||9.05% – 9.10%||9.10%-9.15%||9.10% – 9.20%|
Documents required to take a mortgage loan
- address verification
- proof of identity
- detailed employment information
- source of income
- Income Statement for the last three years
- property details
- Bank statement
With all these things you CIBIL score It should also be good, only then will you be able to get Home Loan Verify.
So, in this way, you can apply for a mortgage loan online, the complete process of which we have told you through this article, if you have any questions, you can ask them by writing in the comments box below.
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