No. 1-2-25/12, 2nd Floor, Dr. Atmaram Estate, Hydernagar, Kukatpally, Hyderabad - 500072
Inquired about the loan providers for the home loan which is Anika Enterprises, good response from them, they answered all my queries from them. I'm satisfied about this inquiry.
My MORTGAGE LOAN poses very good prose sing for loan,get quickly prose and ,best Analysis , good job doing
Got home loan from this HDFC,documentation charge was very modest rate.They did the work very quickly in order to get the loan fastly.Staff member was very cooperative and very friendly moving to the customer.But they increased the interest without any intimation to customer.Even i did'n receive any calls are message from them.Average service.
At this Institute have done Solidworks Training I paid. 5000 / has a course fee. The duration of this course 2 months without fail, I attended daily classes. Really satisfied with that related to those searching for a job
Mr.Reddy was good in loans i think if he said done den definitely complete very happy by him now in Housing loan for me NRI loans even had cibil issue good reddy keep up
Good service providers and quick process providers good
A Loan For U is the company tied up with banks to give the loan to the customers with minimum interest.The education loan has very low interest and the students can pay it after getting a suitable job.
Age - Age is a major factor that affects loan eligibility. Professionals around the age of 25 can apply for an EMI tenure of 25 years. However, the difficult part is obtaining approval for borrowers over the age of 40 or 50 as loan tenures do not extend after retirement.
Income - Salaried/individual- Employees who are working for a government or a private agency fall under this category. Before they apply for a loan, they are required to submit documents supporting their PF, salary statement, Form 16 and others.
Independent professionals - Doctors, engineers, dentists, chartered accountants, etc. fall under this category. They would have to submit their bank statements and income tax returns to get their loan approved.
Self-employed - Individuals that run their own business come under this category. They can show their bank statements and income tax returns (duly audited) as a proof of their income when they apply for the loan.
Rate of interest - The rate of interest can be calculated quite easily. The higher the rate of interest, the lower the eligibility, and vice versa. Hence, they are inversely proportional.
Loan Term - The loan term is subject to the convenience of the borrower. The increase of the loan tenure indicates higher eligibility, however, the major downside of this would be losing a lot of money in interests.
Outstanding Loans - You may apply for another loan while you’re already in the midst of paying one, as Indian banks generally keep the EMI-Income Ratio from 50 to 60 percent. In some cases though, outstanding loans maybe reduce the eligibility of you getting a loan.
CIBIL Report - Credit Information Bureau India Limited keeps a centralized data of all the credit history between the borrower and the lender. A negative score on CIBIL can cause significant downfall in the eligibility.
Once you decide on whether you want to purchase a plot or a fully constructed loans, you can then sort out your finances and apply for a home loan in a bank that will cater to the rates of interest that you can afford. There are some documents, however, that you need to submit as a standard statement of your income and expenditure.
Salaried- Payslips/Current or revised salary certificate
Self Employed- Latest Income Tax Return
Salaried- Employment Certificate
Self Employed- Documents pertaining to the establishment of the business
Salaried- Latest Form 16
Self Employed- Latest ITR form
Hyderabad: Hyderabad has been on top of the list of fastest growing cities in India and the world. This has given a chance for many real estate projects in the city to make its way through all nooks and corners of the city. A demand for home loans cause facilitated in the access of these home loans to customers in easier ways.