Home Loan Inquiry in Gujarati | હોમ લોન માહિતી ગુજરાતી મા
Home loan leva maate kai document ni jarurriyat che
- Ketli loan levi?
- Salary k income su che
- PAN card / Election card / Adhaar card jose
- Resan card ne Light bill jose
- 2 - 3 Passport size photo
- Chella 1 varas ni Bank khatani entry ni zerox ( Salary Account ni )
- Loan hoy toh loan nu statement ne any rokarn ni copy
- Property file ni akhi zerox copy
- 3 vars nu written / L.I.C copy/ 16 number nu form
- Most of loko loan lai ne makan levanu vichare che pn ena vise vadhare mahiti na hoye.
Ek var bank ma jai ne jaanri avo k tamne ketli loan male che ka tame loan nu approval pn lai saako aa mahiti tame bank athva ( bank agent ) athva je loan kartoh hoe e vaikti ene paase pn puchi sako cho ne eno koi charge hoto nathi. tamara manma vichare avtoh haise k atyare loan na vise jani ne su faydo thai, ema tamne kavdo faydo thase e janiye:-
- Jo tamne khyal hoe ke ketli EMI dar mahine ave che ne ketlu vyaj ( Rate of Interest ) thai che e pramane tame chali sako
- Tame koi pn makan final karso ema pello owner no prasn ej haise k tamaru payment kai rite che?
- eg:- Jo tame pella janrelu hoe k 13 lakh ni loan tamne male che ne tamari pase bija 5 lakh cash che toh tame 18 - 19 lakh ni budget ma makan joi sako
Badhi bank hal ma home loan kari aapidiye che pn ji private banks hoe ena interest k vyaj vadhare hoe che, hal ma kotak mahindra bank 6.50% p.a. interest ma aape che sav thi ocha ma ochu interest rate ajj che hal ma ne loan karva vara (agent) alag thi commision pn liye che.
Loan karva mate tame bank agent k bank ma jai inquiry kari aavo k taamne e ketli loan api sake che ne ema tamari salary upar e loko loan aapse ne tamara bank passbook nu transaction jose k taame capable cho ne tamaru written proof pn hovo joye ne loan tamara salary upar thi e loko kese k ketli loan malse tamne.
eg:- Badha kharcha kadhta tamari net salary 20000 che toh tamne 9 to 13 lakh ni loan mali saake
Je loko ne goverment bank thi loan levu hoe toh ena maate written file hovi jaruri che, chatta pn private bank ma loan thai che written file na hoe toh pn chale pn private bank vara charge vadhare liye che written file no hoe atle . jena agar written file na hoe ene private bank ma j loan thai ne taamne loan tamari mahina ni awak pramane tamne loan maale. Private bank ma rate of interest biji bank karta vadhare hoe che.
- pellani loan baki na hovi joye
jo tamari pella koi loan baki hoe toh tamri home loan reject thai saake che aa paristhi ma tamare tamari juni loan close kari devi joye. jo tame pachli loan na chukvo toh bank athva company tamari navi home loan ni rakam ochi aapi saake aa rite tamari home loan ochi male. bank athva loan company e pn jove che k tame loan bharva maate yogye cho k nai ane tame samay pramane loan bhari sakso k nai jo aa rite na thai toh tamne loan na mali saake.
- vyavasay ( business )
Bank k loan company tamaru business pn jove che k tame loan nu vyaj time mujab bhari sakso k nai. Tamari mahina ni awak joose k taame loan chukvi sakso time upar k nai e pramane bank loan pass karse.
- CIBIL Score
Tame loan na hafta samay sar bharo cho k nai ena upar thi tamaro CIBIL Score nakki thai che. Tamne loan deva samay e bank k loan company e pn jove che k tamare koi loan baki che k nai ne tamari loan no vyaj samay sar bharta hata k nai ena upar thi tamari CIBIL Score nakki thai che. CIBIL Score "Credit Information Bureau India" taraf thi jari karva ma ave che aa loko tamari loan, EMI vagare ni information rakhe che. Tamaru CIBIL Score 750 thi upar hoe tamane loan mali saake.
- Age
Bank k loan company tamari age pn jose k tame vadhare moti umar na toh nathi k retirement na karib toh nathi ne karn k bank ne thaase k tamari umar na lidhe tame loan samay e nai puri kari saako. jo k tamne loan mali pn gai ton eni EMI k vyaj vadhare haase ne e tamara anukr nai hoe.
aa process che e tamne samjvanu ria loan ni babt ma ghana loko ne doubt ria loan kevi ritna karvi k kem karavi e tame aama vachso toh taame thoduk ghanu khyal aavi jaase loan na vise.
ketli loan mali saake e jova maate niche apel sabd upar dabavo
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