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Things to know about Home loan interest rates on housing finance
Posted by nikhil294 on November 11th Patrick Peterson Youth Jersey , 2016


Home loan interest rates are one of the most elements while determining the total cost of your home loan. It’s the monthly installment that you can afford to pay to the bank or finance companies at the time of repayment. A small change in the interest rates can make a big difference to your repayment and can hamper your financial situation badly.


Interest rates depend on various factors like availability of money in the market (liquidity), inflation and monetary policies. They are categorized in two ways fixed rate or a floating rate. Under fixed rate loan the ROI remains constant throughout the loan period, while in floating rate loans the ROI is linked to market conditions and may change periodically. They could be linked to the base rate, inflation, or other parameters, each bank selects its own methodology to fix this base rate. These rates have to be declared by the bank each quarter.


While applying for a housing loan, there may be an application fee and once your loan has been approved it will be incurred along with other costs such as valuation costs, legal & settlement fees. One important thing to remember about the fees is that they are not fixed. If you have good credibility score you can negotiate for lower rates. There are online websites who can negotiate with the lenders on your behalf to resolve your interest rates concern. A financial expert is another way to help you compare loan and figure out which one would have an optimum fee and offer lower Home loan interest rates.


Most borrowers feel that finding a great rate is the solution for the saving on your home loan. But taking out a home loan that allows you to curb additional payment could also help prove beneficial in the long run. In India, there are some leading banks offer Home loan interest rates with an interest rate as low as 10 to 13 % and a processing fee of mere 1% of the loan amount. Residential property loan is offered at interest rates as low as 10.60 to 12.60% with a mere processing fee of just 1.25% on the principal amount. These loans come up adjustable (floating) rates. In case you wish to take fixed loan interest rates there are some lucrative offers like trufixed loan 2 years fixed rate variant and like Trufixed loan 3 years fixed rate variant.


Once you calculate the Home loan interest rate applicable, EMI set, processing fees and other charges applicable, you can visit the bank or finance companies sites and fill-up the loan application form without any errors. Find out about the required documents, scan and attach them along with your application form before submission. Once the lender successfully verifies the documents, it will take around a week’s time for the loan amount to get disbursed in the account. You can download forms on your smartphone, PDA, or notepad as well. At the comfort of sitting at your house or office, you can calculate the loan amount and find out the estimatedprojected loan amount. Just insert the loan requirement in the respective column and you can begin your calculations. Thus, it will save you time and valuable energy in visiting offices.

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