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Points to remember before taking home loan in 2021

In this COVID-19 pandemic, the price of real estate has drastically crashed, also the rate of interest in home loan with multiple banks/NBFCs has also reduced. But with the fall in rate of interest in home loan the property market has turned into a buyer’s market.

If you’re are planning to buy own home in 2021, we have lined up few points to consider before going for home loan.

  • Go with the financial institution were no preclosure or part-payment fees are applicable

  • The tenure of home loan should be more, as few banks are going up to 30 years* maximum, in this case you’re per month emi burden will be less and you can pay part-payment to reduce the principle as per bank norms

  • Find out the relatively lowest rate of interest option with different Bank/NBFC

  • There are special offers for women applicants available with Bank/NBFC for home loan

  • There are few banks/NBFCs where they can fund up to 90%* of the property value for home loan

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