Housing.com Home Loan Application Online – Home loan application becomes difficult and confusing when the applicant receives a number of offers from different banking institution . Also , different banks holds different terms which a normal user cannot read at single time or decide for applying for a home loan from a single bank unit or NBFC. To simplify loan for applicant housing.com makes it easier for the seeker of home loan in India or those requiring home loan for construction to check for different offers for home loan in India.
How you can decide for taking a home loan for construction or for buying a property ? , How housing.com helps an individual or a family to apply for housing loan or what are the terms and conditions for applying for home loan through housing.com all have been discussed in this article.
Housing.com Home Loan
Housing.com offers a variety of schemes and offers for home loan seekers to apply for property loan , home loan or for home loan for construction purposes. The platform simplifies offers by comparing from different bank and NBFC offers for the lowest interest rates and the highest disbursal amount with the limited conditions.
Housing.com provides complete guidance to the applicant or home loan seeker on different loan proposals . The platform also provides support on completion of loan application .
Comparing Home Loan from Housing.com
On housing.com , you can apply for different loan application or can compare loans from different banks and NBFCs using multiple paramters.
For home loan buyers the major criteria on Housing.com is asked for including the interest rate expected , the amount required and previous loan conditions .
Comparision of housing loans from Housing.com makes it easier to compare the best offer with the lowest EMI on home loan without paying any fees or consultation charges.
Loan for Home Construction from Housing.com
For those who want to construct their houses or want to buy a home property or want to buy plot for residential home , housing.com provides a home loan EMI calculator where any person based on the offers of interest rates charges and bank offers provides a definite EMI amount to know before the actual disbursal of home loan .
Not only limited to offering new loans or top up on current home loan , housing.com also provides updates regarding reverse repo rates and smart solutions to know the industry changes in home loan segment which helps a home loan applicant to reduce his overall cost of servicing the home loan.
Loan against Property from Housing.com
For comparing home loan offers , housing.com also provides a definite solution to loan seekers to check for offers or compare offers to apply for housing loan against property to construct their house or to mortage their old house property to construct or buy new property.
Banks generally do not provide for complete information on loan against property or the user is not able to know the small minute details of obtaining a loan against property .
Housing.com work as a guiding intermediary to help them apply for the loans through the platform.
Also read : How to claim fixed deposits on Account of Death of Actual Depositor in Union Bank Online 2024 ?
Applying for Home Loan from Housing.com
To apply or compare home loan from housing.com , you can follow the below procedure :
- Go to Housing.com
- Use the Home Loan Calculator to know the basic EMI
- Enter Property Amount
- Select City and PIN Code
- Add personal details
- Click on Submit
The platform will display running offers on Home loan from different banking platforms and NBFCs . You can later proceed with the loan options and fill the application form with housing.com for loan application . The banking institution with generation of the query will contact the customer with the loan proposal.
Free Consultation on Home Loan from Housing Com Website
Another major benefit of Housing.com for applying for home loan is that you can consult experts of housing.com before applying for home loan and can ask for knowledge of different terms and conditions for the home loan .
Also , a customer support option is also provided for current home loan provides to receive top up guidance or information on RBI updates or changes in loan terms .
Documents for Home Loan from Housing com
The documents asked for applying for a home loan include :
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- Loan Application form (completely filled)
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- Passport size photographs
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- Identity Proof Documents Such as PAN Card, Driving License, Passport, Voter ID Card, etc.
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- Residence Proof such as electricity, water or telephone bill, ration card or any other government-issued ID proof that contains your residential address.
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- Copy of bank account statement/passbook entries for the past 6 months
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- Signature Identification proof from current bankers
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- Statement of Personal Assets and Liabilities
List of documents that are different for salaried and self-employed individuals. This may change from time to time or depending on the bank.
| Salaried Individuals | Self-Employed Individuals |
|---|---|
| Original Salary Certificate from Employer/Last 3 months’ salary slips | Acknowledged copies of Income tax returns/assessment orders for the previous 3 months |
| TDS Certificate of Form 16 or Copy of Income Tax returns for the last 2 fiscals | Photocopies of challans as evidence of advance income tax payments |
| Proof of job stability from the current employer | Proof of business continuity |
| In case the salaried employee has changed jobs in the last 1 year, copies of the offer and joining letter of the new company need to be submitted. |
Housing.com Contact Support for Home Loan
For consultation on home loan offers from different banks you can contact housing.com team there at :
Buying Home Loan Process from Housing.com Video Guide
Home Loan Amortization Schedule from Housing .com before Banking Company
The platform of Housing.com also provides a repayment schedule before actual disbursal of the home loan to the applicant so that preplanning of the home loan repayment can be done before by the applicant . The professionals there at Housing.com are able to predict for an accurate repayment schedule with the definite EMI or full repayment terms based on their experience .
Conclusion
Before application of home loan through any bank of NBFC , it is better to check for the different home loan offers on housing.com and receive free consultation from the platform to get better knowledge of home loan application with housing.com .
FAQ
Can you apply for home loan from Housing.com ?
Yes , you can apply for home loan from housing.com . But ultimate loan shall be provided by the banking company only.
Can Housing.com reject your Home loan application Online ?
Yes , based on the credit report or previous financial history housing.com can reject your loan application with the company. While you can self apply for home loan through any other agent .
Can you extend your home loan with Housing online loan website ?
Yes , consultants on housing.com helps you to receive proper consultation on top ups on your home loan.
Does housing.com charge commission on providing loan on home or for construction ?
No , commission for home loan is not charged by housing.com rather it works as a DSA for the banking company providing loan and charge commission from the banking company.