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Do I have to make any down payment for this loan?

Most banks provide financing of up to Maximum 85% of the value of your home. You will need to cover 15% of the value of the home. However this amount will be paid directly to the seller

Is it possible for two people to jointly apply for Home Finance?

You and a blood relative or your spouse can be co-borrowers for the Home Loan. Banks have the facility to add the income of the spouses to increase the finance amount

What do I have to pay in addition to mark-up on the loan?

You will have to pay processing charges, legal fees, Property evaluation charges, home insurance, and life insurance (If applicable).

How much time will it take to get payment against my loan?

The processing time differs from Bank to Bank usually your loan application can take 4 – 6 weeks to process, end to end.

How do I repay the loan?

You make your monthly payments through monthly instalments.

Can I settle my Home Loan early?

Yes, you can opt for early settlement; however, banks will charge you a fee in order to avail this facility. Make sure you discuss this with you Bank and are fully aware of the charges.

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