• pradipnaskar commented on Happy Women's Day: Indian Women Speak About Life and Struggle on Apr 18, 2014

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  • Unsecured loan commented on World Bank to give $944 mn loan to India on Apr 18, 2014

    The Banks/Financial Institutes will consider the following, when you apply for
    a Home Loan.
    A) Earnings & repayment capacity: the Banks/Financial Institutes have their own norms and hence there will be difference in the loan
    amounts sanctioned to you by different the Banks/Financial Institutes.

    The main focus of the Banks is on your repayment capacity.
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    obligation to Income ratio (FOIR) and Installment to
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    These ratios are expressed in percentage. FOIR includes all your fixed obligations
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    of monthly home loan installment of the total income. These two ratios may vary based
    on actual salary details, years of experience, stability of income,
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    B) Property legal and technical clearance: Banks will not
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    Apart from the above two mentioned parameters there is one additional and most important thing the Bank looks into is Credit history.
    Willingness to repay can be understood from ones past credit history and banking track.

    Before selecting the Bank the following are the few
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    1. What is the Loan amount which the Bank is willing to extend
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    2. What is Loan to value of the property ?
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    4. What are the prevailing Interest rates and what is offered to you ?

    5. What are the other charges involved like processing fee, administrative fees, legal & technical fee,
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    NOTE: Last but not least do not forget that any default in payment of home loan
    installments is more costly than your regular rent payments.

    Any such default will affect your Credit history badly and you have to bear high penalty for the same.


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