To own a home is akin to achieving an important landmark in one’s life. A home of one’s own is a dream many individuals harbor. It gives one a sense of peace and achievement to know that one has a place of one’s own to rest, away from the bustle of the world. A house is also a symbol of status and the core of healthy family relationships.
As one sets out to plan their dream home, one realizes that it’s a job that’s easier said than done. Owning a house involves an efficient and smart plan. The first and foremost thing to look forward when planning a dream home is the financial part. For those, who have a source of bankable savings, half of the burden resolves with the finance part.
Some others depend on their close relatives and friends for financial help. It is also an available way to procure funds for the purpose of owning a house. However, non repayment of the money can cost the relationship. Also such an approach is not practical unless an individual’s friends or relatives are in a position to give large sums of money.
So, what needs to be done?
Worry not, because we have yet another option that is left – applying for home loans from a plethora of financial lenders available in the market. Home loans are funds that are doled out by financial institutions for the purpose of owning a house. An individual is required to repay the home loan amount along with an interest within a specified duration of time.
But with a vast variety of home loans floating in the lending market, it can be confusing for an individual to take the right decision regarding what and which home loan to opt for.
Below listed are a few tips that can help one avoid pitfalls and tread cautiously when looking forward to selecting the right home loan:
- Save enough money for the down payment
It is important for an individual who wishes to own a home to start setting aside some amount of money from their monthly income towards down payment of a house. If one does not have the budget to set aside money, one can opt for zero down payment home loans, which are aimed at those people who can afford only a small amount as down payment.
- Check CIBIL score
Always ensure that the CIBIL score is not less than 300. The ideal score is 750 and above. Anything less than 300 would prevent an individual from availing home loans from some of the best financial lenders in the market and would be forced to stick with unreliable lenders.
- Use a home loan calculator
Making use of a home loan calculator will help one in estimating the amount of monthly payments that one is required to make towards the home loan repayment under various scenarios like interest rates, down payments etc.
- Understand all the terms and conditions of the prospective lender before proceeding with the home loan
It is important to get a thorough understanding of the various terms and conditions specified in the loan agreements before proceeding with the home loan from any particular lender.
- Choose home loan tenure wisely
A very important aspect of choosing home loans is to selecting a tenure that is feasible based on one’s income. The longer the tenure, EMIs (Equated Monthly installments) will be lower. If the loan tenure is short, then the EMIs will be higher.
- Look for hidden charges
Some lenders ask for additional payments for the purpose of processing a home loan. One must be aware to check on this aspect with the potential lender in order to avoid incurring an increased cost on the home loan.
- Select the right home loan type
Whether it is a fixed interest rate loan or floating interest rate loan, selecting the appropriate one should be based on one’s own circumstances. One should not depend on a relative or friend’s choice. What works for one, may not work for all.
- Look beyond the lender’s financial aspects
Irrespective of the loan amount that a lender is willing to offer, one should try to find out the way in which they treat their customers. An individual should be careful enough to evaluate as to how well the lender carries out the loan disbursal process, how well they handle queries of the customers and how smoothly they carry out their processes.
Following the above mentioned tips can definitely help one pick the most appropriate home loan products from the confusing array available in the financial market.
Choose the right home loan for building the best home.
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