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Don’t wait until you find your dream home before proving to the buyer that you mean business.
Preapproval by a mortgage lender will give you a range of what a bank is willing to lend you, while also showing the home’s current owner that you have the backing of a financial institution.
To gauge how much to potentially lend you, and at what rate, the institution will check out your employment history, credit and earnings.
Remember – it’s not 2012 anymore. The housing market is going strong, and the better you look on paper, the easier time you’ll have in buying the home you want.
Requirement Documents:
Pencard
Aadher Card
Driving Licence
| Name of the loan product | LAP/LAS |
|---|---|
| Term of loan | Upto 5 years |
| Maximum loan size | 50% of Asset Cost |
| Minimum loan size | As per requirement of borrower | Security, if any | Original property papers with Regd. Mortgage deed |
| Repayment policy | Equated Monthly Instalment |
| Loan processing fees | 3% of Loan amount + GST |
| Any other fees | Stamp duty & Registration Fees of Mortgage deed |
| Cheque Bounce Charge | 300 + GST |
| Collection Charge | If Cheque Bounce And EMI Collect By Executive 300+GST Per Visit |