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Frequently asked questions about Home Loans
Know what questions the users frequently asks about Home loans and calculators
What is the maximum amount I can borrow as a home loan?
The maximum loan amount depends on factors like your income, repayment capacity, property value, and the lender’s policies. Typically, lenders offer up to 80-90% of the property value.
What is the typical tenure for a home loan?
Home loan tenures usually range from 5 to 30 years. Longer tenures mean lower EMIs but higher interest costs.
Can I apply for a home loan with my spouse or family member?
Yes, you can apply for a joint home loan with your spouse, parents, or siblings. This can improve your eligibility and allow you to borrow a higher amount.
How long does the loan approval process take?
The approval process typically takes 3-10 working days, depending on the completeness of your documents and the lender's verification process.
What are the tax benefits of a home loan?
You can claim tax deductions on:
Principal repayment under Section 80C (up to ₹1.5 lakh per year).
Interest payment under Section 24(b) (up to ₹2 lakh per year for self-occupied properties).Can I prepay my home loan? Are there any charges?
Most lenders allow prepayment, but charges may apply depending on the type of loan (fixed or floating interest). Always check your lender’s prepayment terms.
What documents do I need to apply for a home loan?
You’ll typically need:
Identity proof (Aadhaar, PAN, Passport).
Address proof (utility bill, rental agreement).
Income proof (salary slips, bank statements, ITR).
Property-related documents.
What is the difference between fixed and floating interest rates?
Fixed rates remain constant throughout the loan tenure, while floating rates fluctuate based on market conditions. Floating rates can be lower initially but may vary over time.
Can NRIs apply for a home loan in India?
Yes, NRIs can apply for home loans in India. However, they must meet specific eligibility criteria and submit additional documents, such as a valid passport and visa.
Are there any hidden charges on home loans?
No, all charges such as processing fees, legal fees, and stamp duties are disclosed upfront. Always review the loan agreement carefully.