HOME LOAN.  INTRODUCTION  A loan given by bank, mortgage company or other financial institutions for the purchase of primary residence.  The owner.

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Presentation transcript:

HOME LOAN

 INTRODUCTION  A loan given by bank, mortgage company or other financial institutions for the purchase of primary residence.  The owner need to transfer the title to the lender.  The borrower gets the title back after following conditions : - payment of loan - other terms of mortgage

Requirements For Home Loan Before applying for home loan certain documents are mandatory for approval of home loan weather it’s a government or a private bank. The documents vary for salaried employees and self employed people. The documents required for home loan serves as a proof of your identity, address, income and also plays a major role in deciding the amount of loan to be issued.documents required for home loan

Types Of Home Loan Sr. No. TypesPurpose 1.Home Purchase LoanWhen purchasing a new house 2.Home Construction LoanWhen constructing a new house over an acquired plot 3.Home Extension LoanTaken for alteration of the existing house *Various other types of home loans are also available.

Organizations Offering Home Loan  Government Banks - State Bank Of India (SBI). - Bank Of Baroda - Allahabad Bank  Private Banks - HDFC - ICICI Home Loan -PNB Housing Finance Limited *Different banks offer different interest rates for home loans.

Home Loan Advantage  Low interest rates.  Tax benefit.  Capital Appreciation

Thank You