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Balance transferring a home loan can do wonders for you if done with caution. When you decide to balance transfer your loan from present lender to a new lender that is referred to as balance transfer. A home loan balance transfer is generally done to take advantage of lower interest rate or due to poor customer service from the existing lender. If you have a running home loan and you are planning to Home Loan balance transfer it, then you should keep the following points in mind to take the maximum advantage from it:  Before you switch from one lender to another do a thorough research and a comparative analysis of prevailing interest rates and select a lender who offers a lower interest rate. When planning to balance transfer your home loan it is important that you keep all the required documents ready for quick processing of your loan.  Confirm all the costs to be incurred while balance transferring your home loan in advance to avoid any confusions later on. ...

Before applying for a home loan, it is important to determine your home loan eligibility which is dependent on several factors. The first important factor that you need to keep in mind is your age. The early you apply for a home loan, the more is the possibility of a bigger amount getting sanctioned to you by the bank. Next is your qualification and experience. If your academic credentials and work experience are impressive, the banks may sanction a higher amount of loan. Your qualification and work experience predict stability and progress fairly well. Also, a credit score of 650 and above is considered good for a housing loan. A lender can use credit score to assess your repayment capacity before approving the loan. Further, having a regular and stable income is a necessity if you want to get your loan approved. This varies according to your profession. Missing EMIs regularly on your existing loans, or making EMI payments after the due date are also a cause of concern for you...

Delhi, India's national capital is well known for its cultural heritage. The desire for better jobs and higher education has led to an increase in migration of population from other parts of India. This had further led to an increase in demand for owned houses. But due to rising prices of property, purchasing a housing loan  in Delhi ain’t an easy thing. You can turn your dream of owning a house in Delhi into reality, as there are many lenders offering home loans at attractive prices. Following tips will help you to get best home loan deals in Delhi:  Before applying for a home loan always compare interest rates offered by different lenders. Along with interest rates compare tenure, eligibility criteria, processing fee and various other factors of different lenders.  Having a good credit score is an important factor, as it can help you in getting a home loan at the lowest interest rate. Usually, a credit score of 650+ is considered good for a home loan. Use...

In order to build a secure financial future for your child, it’s important to plan the investments which you think will help you to meet your financial goals. We have listed few investment options that you can choose from. A life insurance cover is an important component of your financial plan because you can name your child as a beneficiary. Your child can make the use of funds in case of a parent’s untimely demise. You can also buy a property for your kid as it will not only help them save their income by eliminating the need for buying a new house but will also secure their future housing Loan . You can also open a savings account in the name of your child if he is less than 18 years of age. It is also known as ‘minor account’. For accounts of minors below the age of 10 years, the guardian must operate the account. They are also allowed to set the limit on the withdrawal amount. Next on the list is Fixed Deposits – they offer a higher rate of interest than a regular savin...

Mumbai is the capital of Maharashtra and is one of the fastest growing cities in India. From Bollywood to fashion to delicious street foods, Mumbai has something to offer for everyone. If you are also planning to move to Mumbai and need funds to buy your dream house, you have the option to avail a home loan in mumbai .  There are several banks and NBFCs that offer home loans at attractive interest rates. However, before applying for a home loan, you are required to fulfill certain eligibility criteria such as – you should be 21 years or above at the time of application and repayment have to be completed before the age of 70. In addition, you must have a regular source of income along with a good credit score of 700 and above. You are also required to submit few important documents to avail a home loan in Mumbai. The important documents that you need are: KYC documents (Aadhaar Card, PAN Card, Driving License, Passport), bank statements and latest ITR with the computati...

When we talk about home loans, SBI is one of the largest facilitators of home loan in India . It offers a wide variety of home loan products meeting the requirements of different customers. The bank offers lowest interest rate with a tenure of up to 30 years. Some of the salient features of SBI home loan are: Special discount for women borrowers, flexible payment options, no hidden charges, exclusive packages depending upon individual needs of customers. You can apply for SBI home loan online as well as offline. Process to get offline home loan from SBI is as follows: You are required to keep all property related documents ready which includes booking receipt as well as the copy of the cheque. Then you need to visit the advocate to get the property documents verified. Post legal stage, a property valuator from the SBI panel will evaluate the property and issue a letter to the borrower. After this, the borrower must visit SBI along with all the required documents and the applic...