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Home Loan का पूरा Process - Home Loan कैसे लें ?
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- เผยแพร่เมื่อ 13 ส.ค. 2024
- Let's learn about the Home Loan Process, Documents required, Processing Fee & other charges in India in Hindi. Sign-up to our new app for discounts and early access: ✔ assetyogi.com/...
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All major details and tips related to the home loan procedure in India are covered. You can apply for a housing loan with any of the popular banks such as SBI, PNB Housing Finance, ICICI, HDFC, Axis Bank, IDBI, BoB etc.
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You will also learn about home loan emi calculation, how to apply for home loan, home loan eligibility calculation and loan repayment process for an under construction property as well as a ready to move property.
चलिए सीखते हैं Home Loan Process, ज़रूरी documents, प्रॉसेसिंग फी और दूसरे चार्जेस के बारे में इंडिया में हिंदी में। इंडिया में home loan procedure से रिलेटेड सभी मेजर details और tips कवर किये हैं। आप होम लोन के लिए किसी भी प्रसिद्ध बैंक जैसे SBI, PNB Housing Finance, ICICI, HDFC, Axis Bank, IDBI, BoB अदि से अप्लाई कर सकते हैं।
आप होम लोन EMI calculation, होम लोन के लिए कैसे अप्लाई करें, होम लोन एलिजिबिलिटी कैलकुलेशन और किसी अंडर कंस्ट्रक्शन प्रॉपर्टी और साथ ही रेडी टू मूव प्रॉपर्टी के लिए लोन रीपेमेंट प्रोसेस के बारे में सीखेंगे।
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In this video, we have explained:
What is the process of home loan?
What documents are required for home loan?
How much processing charge and other charges are required for home loan in India?
What are the exact steps of the process of home loan?
How to apply for home loan?
How to know the processing charge and other charges for different banks and how negotiate it?
What documents are required for home loan for a self-employed professional and non-professional applicant?
What documents are required for home loan for a salaried applicant?
How banks do the due diligence before home loan approval?
What is credit appraisal?
How to calculate EMI of a home loan?
How to check your home loan eligibility?
What is the loan repayment process for an under construction property or ready to move property?
What is offer letter in home loan?
What are fixed and variable interest rates?
What is loan agreement?
What is the process for home loan for under construction property and ready to move property?
होम लोन की प्रक्रिया क्या है?
होम लोन के लिए कौन से दस्तावेज आवश्यक हैं?
इंडिया में होम लोन के लिए कितना processing charge और दूसरे शुल्क आवश्यक होता है?
होम लोन की प्रक्रिया के सही कदम क्या हैं?
होम लोन के लिए आवेदन कैसे करें?
विभिन्न बैंकों के लिए processing charge और अन्य शुल्कों को कैसे जानना जा सकता है और यह कैसे नेगोशिएट की जा सकती है?
Self-employed professional और non-professional applicant के लिए होम लोन लेने के लिए कौन से दस्तावेज़ आवश्यक हैं?
वेतनभोगी आवेदक के लिए होम लोन लेने के लिए कौन से दस्तावेज आवश्यक होते है?
होम लोन के अप्रूवल से पहले बैंक due diligence कैसे करते हैं?
Credit appraisal क्या है?
होम लोन के ईएमआई की गणना कैसे करें?
अपने होम लोन एलिजिबिलिटी कैसे जांचें?
एक निर्माणाधीन संपत्ति या रेडी टू मूव प्रॉपर्टी के लिए loan repayment process क्या है?
होम लोन प्रॉसेस में ऑफर लेटर क्या होता है?
Fixed and variable interest rates क्या होते हैं?
लोन एग्रीमेंट क्या है?
गृह निर्माण के लिए घर की संपत्ति के लिए क्या प्रक्रिया है और संपत्ति को जाने के लिए तैयार है?
किसी अंडर कंस्ट्रक्शन प्रॉपर्टी या रेडी टू मूव प्रॉपर्टी प्रॉपर्टी के लिए होम लोन का प्रोसेस क्या है?
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Frst time.. i didn't skip the ad..
As u deserve it.
Well explained sir..
Really appreciable...👌🏻👏👏
Thanks Prabhakar 😊
Ok
This channel is No 1 channel in my list for financial knowledge. Huge respect to you sir
Emi pe loan le 8537836239
There is no other channel like this..huge respect & thanks for your efforts ❤️🙏🏻
Hope it's helpful
@@AssetYogi hi sir merr pass sirf iss year ka it return ka acknowledge hain kya mujhe loan milega
@@AssetYogi Can we claim tax Exemptions if the new to be purchased Property will be owned by Parents and the Son will pay the EMIs base on his ITR for the entire loan?
Good information👌
@@AssetYogi My cibil score is 1 because I don't have a credit card and any load in the past. Will it be problematic for me to get a loan?
sir
the way u talk is excellent, in a lucid manner and clear voice
Good
best explaination...👌🏼👌🏼👌🏼 kudos to your knowledge regarding home loan process..how well and detailed explanation you have given in this video...hope i get my loan 90%
Can you explain all the extra charges of the bank in detail
1) Processing fees -
2) Mortgage Stamp duty -
3) Legal and technical -
4) Franking of facility agreement -
Noted.
I am also banker working in home loans department and sir you are great and knowledgeable whatever you said is 101 percent right
You explain very thoroughly and nicely
In my humble opinion, it would be better if the audio had less echo
Please make a separate video on HOW TO APPLY FOR PMAY SUBSIDY.
Sir plot par loan lena sahi ya galat plz reply waiting for you
Great...
Thank you for making easy to understand the process...100000 likes to u from my side.
अगर ऐसा मकान जिस को बनाने के लिए ऑलरेडी लोन लिया हुआ है और होम कंस्ट्रक्शन का काम पूरा होते है हम उसे खरीदना चाहते है तो तो ऐसे केस में हमारा लोन sanctioned होगा कि नहीं??
Hoga Transfer koi issue nahi hai Kithana Loan Previous owner ne liya hai uska Jithana Balance hai uthana Plus Qppne downpayment kiya hai Usme Koi bqlance hai wonsab Milake mil jayega Koi issue nahi
Nhi
Explained in very simple way . Thank you sir.
You are most welcome
Requesting a video for home loan for rural property...!
aapki kripaa se sir mujhe unn cheezo ka practical knowledge milla jo hum daily idhar udhar sunte hain......and even kbhi kbhi toh professional jaise mai baat kr leta hu....cz aapne humme itna kuch sikhaa diya....
aapke iss gr8 work ko salute sir
Asset Yogi-Can we know which documents we need to verify at the time of registration for under construction property.
Very indepth and informative video on the home laon process 🙏🙏🙏Thank you for the great efforts Mukul Sir..
Keep watching
Hi sir...
I watch your most videos
Your videos are very informative...
I used the EMI Calculator it worked well...
Thank you so much sir...
I really like the way you approached all the points in details.
Thanks
Sir, recently I heard that home loan which we take for underdeveloped home. Bank gives the loan money in small installments rather than a whole amount to the builder and as builder complete his slabs or floors the bank keeps giving the remaining amount in same instalment process. So how does this process effect the loan amount for the customers who took loan
What is the difference between this method and the method in which we used to get entire loan amount. Pls explain with example.
It seems, now this practice i.e. not disbursing the entire loan amount at one shot, although commitment is there to pay entire amount but in instalment, depending upon the construction progress as committed by builder, is prevalent.. This is just to reduce Emi burden upon the consumer, who earlier (full disbursing situation) had to pay EMI on entire amount irrespective of builder delays project for whatsoever reason..This also saves bank from more risk of money lending when project really has got stuck and question of recovery from consumer or unfinished property, becomes a difficult task...
Its per schedule nothing else
Sir kindly make a video on registry of a flat in high rise society, that is it land wise registration or flat wise registration ? And when due to some reason like natural calamities if buildings of the society collapses then who will bear the cost to built it up.
mota bhai Bahot hi achchha bataya Apane. Apake charano me mera pranam guruji.
Keep supporting :)
If the sanctioned amount is less than required.then what will happen.will the bank pass the loan and buyer can pay rest amount later ?
Please guide
The house is registered in my wife's name however, my wife is a house wife and we are jointly added in home loan. I am paying the whole emi. Can I claim income tax rebate on home loan in india?
Dear Sir .
Sir Your Channel ASSET YOGI is really wonderful. Very Helpful to one and all .
Thank you for appreciation and your kind words Disha 😊
Thanks allot Sir, for this detailed playlist about home loans, I had no idea before regarding The process of taking home loans, until I came around this channel, this playlist helped me allot in taking my home loan, last month, u have given the exact steps and processes that would appear in completing the home loan, Thanks allot.
You are most welcome
Thanks a so much detailed information. Pl tell how we receipt our original doc from seller person, he may or may not be the employee of bank.
What a complete and clear video...
Watching this in 2023 .. This still makes sense after 5 years...
Grateful to Mukul sir for making such in-depth video and spreading the financial literacy over the years.
Thanks Sanjay
Excellent Information, clearly explained. . Thank you..
Keep learning
Bahot badhiya.. Thanks. everyone requires the same at least once in his lifetime.
if any one salary is not coming before 3-4 months due to some company issue so the person is eligible for home loan or not??
Thank you so much for sharing this knowledge in such a great manner.
Thanks alot....🙏
Hom loan krne se phle bank customer se legal and tecnical investigation and valuvation k liye kuch amount yani 4 se 5 thousand Rs. Leti h jo ki refund nhi krti chahe loan disbrus ho ya na ho is tarike se bank customer ko chuna lagate h aur customer ko loan bhi nhi milta aur 4 se 5 hjar ka chuna bhi lg gya .
Is vishay par ap vistar se bataye ki kya bank ka is parkar se krna kanunan shi h
It is completely ok because bank used to pay that amount to their legal and technical vendors for their services of valuation and legal report which cost around 4 to 5 thousands
I have a query if I am taking term plan of 1 crore and is it mandatory to take insurance again against home load while taking home loan. my load amount would be less then 50 lakhs.
I m from bajaj finance plz contact me regarding home loan
Sir also please make a vodeo for those people who are NRI/SEAMAN, In regards of home loan processing and documents required
AMAZING VIDEO, EXPLAINED ALL THINGS CLEARLY
Thank u sooo much Sir... Such an informative video 🙏🙏🙏
Most welcome
thanks ....you have given knowledge upon my request. would like to add here one thing that in saction letter - banks cut property insurance and individual personal insurance and application/processing fees as per term and first EMI so your actual loan disbursal becomes lesser than you demand.. it happened with me that my saction loan was 22lacs but almost 1 lacs (33000+20000+25000+19500) amount gotten deducted and actual loan disbursal amount is now 21 lacs.
Yes, you are right. Many banks insist on taking insurance. But you can choose not to take it.
Does bank ask you source of income for down payment???
Huge respect and thanks for this information 🙏🙏🙏
My pleasure
Great job sir. One question though. When EMI deduction get started in case of under construction property?
sandeep chauhan
Compilation of propety
Or possession of prop.
Sir i became your fan its very useful those who u know nothing like me
Sir can i have your number
What a Great Informative Video I was Serching this Video So Many Information I got it from this Video 🙏
excelent vdo. very helpfull for me .
You are a great Jadu.
Thank you for appreciation Abhay 😊
How any self employed can have 3 month salary slip which you had described in this video on 8:30 minute. Please explain properly.
Very very helpful video for home loan seekers
Good info
Everything clearly explained👍
Thank you for appreciation Zen 😊
Àààaaaaàààà
Qààaaaààà
Sir old house khareedne k liye Kay home loan mil sakta hai? Agr ha to kya process hai. Is pr ek details vedio banaye.agr nahi mil sakta hai. To cheapest Loan kya ho sakta hai
Resale hoouse ke liye bhi home loan mil sakta hai, I will try to cover this topic in future videos.
Arbind Kumar cont
9068676373
Sirji ,I had doubt if property under construction Hai to kya sale deed phir bhi required h ya tripartite settlement krna hoga
What a clear cut information 🌹🌹👍👍👍🙏🙏🙏
Many many thanks
Hello Sir, thanks for this very informative video . I have a quick question . I am living and working in Mumbai but I have selected a flat in Hyderabad Upperpally area that I want to purchase as an investment - I plan to apply for a home loan from SBI bank. Which branch would be best and easy to apply from ? MUMBAI branch or Hyderabad branch?
Thank u sir for sharing all this information.very helpful.
Good to know that my video is helpful.
Sir bank 80 % loan deta h or hum 20 % Saler ko bad m kist m de or saler man jaye to bank ko apti to nhi hogi na
बहुत अच्छा वीडियो।👍👍👍
Hello Sir, Please share some input on Home loan linked with Repo Rate, Home Loan Linked with MCLR and Home loan linked with TBLR
can I sell the property which I brought through bank loan, while the bank loan is not complete through EMI
Yeah sure
From-axix bank
Palav(SM) -6205224862
From axix home loan department
बहुत अच्छा जनता की दिया आपने ।
thanks
धन्यवाद Jayprakash 😊
Maine ek flat booking kiya hai jisme sale agreement and sale deed me price and square feet different hain aur bank wale loan disbursement nahi kar rahe hai , iska keya solution hai?please bataye urgent hai
Thank u thank u soooo much for your video
Thanks
Hi, I am ‘Anu Dhiman’ dealing with more than 35 banks, if required any type of loan i.e. Home Loan, Loan against Property, Personal Loan, Business Loan Or Balance Transfer of any Existing Loan with Top up amount, you may please call Or WhatsApp at 9716847622 (From Delhi).
Thanks!
I must say your channel is very knowledgeable..best channel on you tube.
Thank you so much 😊
Hi, I am ‘Anu Dhiman’ dealing with more than 35 banks, if required any type of loan i.e. Home Loan, Loan against Property, Personal Loan, Business Loan Or Balance Transfer of any Existing Loan with Top up amount, you may please call Or WhatsApp at 9716847622 (From Delhi).
Thanks!
Agar apko property purchase karni hai aur loan nhi ho raha to tension lene ki koi baat nhi hai, hamare pas kuchh aisi properties hai jo Monthly emi based hn. No interest will be charged. for details, Call Or WhatsApp, Anu Dhiman at 9716847622
Hello
Thank you for your excellent and detailed explanation of this entire process.
You're very welcome!
Very nice video sir... Sir i have a question regarding my homd loan emi. Bank disbursed 1st installment of my home loan amount to builder. Now bank is asking me to pay the interest on 1st installment given by bank to builder. I opted for full emi. Do I need to pay interest amount on installment as i have to pay emi although? Please guide.
Sir..... Kya sarkari naukri wale ko "pradhan mantri awas yojna" ka benefit mil sakta h.... ?
The Government Employees can also avail the benefits of Pradhan Mantri Awas Yojana (PMAY), but the condition is that they must not have a house anywhere in the country.
Yes, mil sakta he
@@AssetYogi thanks sir
rajan kumar loan ke liye call Kare 7982772517
s
Sir, my home is registered on my mom's name. I want to extend it i.e. construct the 2nd story/1st floor. Do I get the home loan for that.
What are you locatio and 8130348705 WhatsApp me fully details
Yeah sure
From-axix bank
Palav(SM) -6205224862
Axix home loan department
Nice financial knowledge explanation
Dear Sir, Please guide if I want to purchase a flat from builder who has taken a loan from a bank for his project. What is my as well as banker's right over the flat? I have made full payment to the builder.
Hi Sir,
Thanks for the video.
I have a question regarding Step 5:
As said that "Original document is handed over to bank"
So when will the bank return the original document to the borrower?
In under Construction -
The loan is sanctioned after checking all eligibility criteria, and sales agreements.
Is there any rule or time frame by which the sale deed has to be done?
Sale deed should be only done when construction is complete and it is handed over to the borrower?
Could please answer my query.
Thanks
Abhi
Hi AssetYogi, first of all thanks for this brilliant work. It helps understand the underlying complexities in simple way. I would request you to provide me any information on "what all to negotiate during taking home loan for under construction property like processing charges/ emi holidays etc. Where all we can bargain ?"
Main points of negotiation are:
1. Lowest Interest Rate
2. Processing Fee
3. Full EMI or Pre-EMI whichever suits you better
Ankit Dhasmana please contact with me at mskbaa9@gmail.com
and send your number for inquiries
@@AssetYogi 7
Mere pas koi savings ni h..i m unemployed...any chances to get home loan?
Marry to CA
@@sudhirdesai4582 🤣
Dear sir, Mujhe ek baat thoda janna tha ki jab bank end mein original copy lega taab kya hum uska duplicate copy karke apne paas rakh sakte hai?
सर...मे संविदा इंजीनियर हु मेरी सालाना income approx 3.50 L है sbi द्वारा मुझे संविदा होने पर home loan के लिए not eligible बताया है pls tell me मुझे लोन कैसे मिलेगा ।
Property kaha search kar rahe h aap
Iifl housing Finance
Adhuri jaankari di hai, jo log in tino men se Eak bhi nahi hai, main Eak Sadharan house wife hun to kitna mil sakta hai
Very informative , thank you so much ❤️
Hope it helps :)
Please aap mujhe ye bataye ki agar sale agreement and sale deed me price and square feet area of flat ka difference hota hai to koi problem hota hai??
What a beautiful video 🥰👍 informative supportive, fantastic job 👍 kindly keep up your good work, thank you. It deserves ⭐️⭐️⭐️⭐️⭐️
Thank you so much 🤗
Sir
First of all thank you so much for knowledge sharing support
I need a support from you, please let me know, I want to purchase a land which type of loan I will prefer? can I get home loan on it? and how?
Please reply
Best tha
mukul bhai your video is very knowledgeable Thanks sharing with us
I have one question about my home loan I had took private home loan company I want change loan company how can do it
Sir i wanted to know how much interest rate will come if a builder is charging per lakh pe rs.2915.
Hi, Mukul Ji, thanks for sharing the wonderful video which is absolutely informative regarding the details one should seek for a Home Loan process before going in for a purchase of a property.
As I am planning for a new property here at Noida ,need some clarification regarding loan process. As I am going for a Ready to move property( not yet finalised) and applied for a bank loan, Bank officials are telling me that they would Sanction me the Loan amount( which is around 80% of the property cost, subject to my documents. Verifications) and I would then get a period of 60month( validity of Sanction letter) to finalize the property and submit the relevant details/documents for verification and further processing. IS THIS AS PER THE PROCESS ??AS YOU HAD TOLD ( IN THE VIDEO) THAT FINALIZATION OF THE PROPERTY AND SUBMITTING THE PROPERTY DOCS IS THE 1ST STEP FOR ALL OTHER STEPS TO FOLLOW FURTHER IN A HOME LOAN PROCESS.. Please help.
In this video I have explained about the process when you identify the property first. You are talking about Pre-approved Home loan. Please watch this video - th-cam.com/video/C0YVTfwcxWA/w-d-xo.html
mymail76 please connect at mskbaa9@gmail.com or comments your number
Hi, I am ‘Anu Dhiman’ dealing with more than 35 banks, if required any type of loan i.e. Home Loan, Loan against Property, Personal Loan, Business Loan Or Balance Transfer of any Existing Loan with Top up amount, you may please call Or WhatsApp at 9716847622 (From Delhi).
Thanks!
Nice sir ji ....
regarding home loan most of the institutions not reduce thair rates when RBI reduce rapo rate but they immediately increase rates when RBI increase raporates. If we ask for reducing the home loan interest rate they ask for charges and some times it is too high , like extra 3EMI. i would like to know which bank or financeal institution is transperant regarding passing this benefits to customers?
Sir bhahut badiya se btaya ap ne
Dhanyawad 😊
I want change private home loan company to gov bank
Yeah sure
From-axix bank
Palav(SM) -6205224862
Axix home loan department
I'm your new subs.
Thank you for connecting 😊
Sir yadi finance ka cheqe bank se nahi liya gaya ho to kya wo registry manya hogi ki nahiii
Very very useful information 👍cleared all the concepts
Thanks Vaishnavi
Itny syapy sirf aam logo k liy hee hei...peisey leker bhaagny valy to khaas log hee hoty hei..😎
Sir mere pas income tax return file nahi hai to mere ko 10 lakh loan mil sakta hai meri salary 22,000 pm hai home loan
Yes mil sakta hai on the basis of your salary slips and bank statements.
Asset Yogi sir income tax return file nahi hai to home loan me intrest jyada to nahi hoga
Ankit R Pandit loan interest apke credit score pe depend karta hai. IT returns Khali income proof ke liye hote Hain
Ankit R Pandit
Asset Yogi to sir G 3saal ka kiyo mag raha hai ITR.... 100000 LAKH tak ITR 3saal ka nahi lagta hai sir G...or jinke pass nahi hai ITR 3saal ka usko nahi milega...
If all work of property done and only possession remaining then what will be the process of disbursement?
Does the bank keep the original copy of document which is taken by the home loan
Sir reply kyu nahi kr rahe h?
Mai bilkul reply karta rehta hun.
Sir maine PMAY se related ek ques kiya tha.... Isse neche hi ques h... Plz ans sir
जयश्री राम
जयश्री राम 😊
Hi, I am ‘Anu Dhiman’ dealing with more than 35 banks, if required any type of loan i.e. Home Loan, Loan against Property, Personal Loan, Business Loan Or Balance Transfer of any Existing Loan with Top up amount, you may please call Or WhatsApp at 9716847622 (From Delhi).
Thanks!
Excellent sir, apke tip se logo ka samay Aur money dono save hoga.
Thanks a lot
That's the idea Anil :)
Can you pls suggest in detail for in Which kind of home loan interest option should a customer should prefer as per present market senarieo.. Fixed or Flotter.. for short term loan and long term loan...
Hello Sir,
Is APF number compulsory for home loan if property is under construction?
The project is Maharera approved.
Sir income (5 lakh per annum) ke according mai LIG category me ata hu..... Bt plot ke size (117 square meter) ke according MIG-1 me........ Kya mujhe "pradhan mantri awas yojna" ka benefit mil sakta h..... And mai kon se category me count hounga..? Reply plz sir...
Private bank jaise axis Bank hdfc icici bank
Government bank jaise pnb bob abi me kya anter hai
Can you please make a video on documents needed fr purchase of a house..and what is in the documents with stamp duty
Watch this video: th-cam.com/video/xsweXvuOOVA/w-d-xo.html
Explanations are very clear.
Thanks Shaikh