ridhiichoudhary
Ridhi Choudhary
“The Pessimist Sees Difficulty In Every Opportunity. The Optimist Sees Opportunity In Every Difficulty.”
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Home loan EMI calculator is an online tool answering all the perplexed minds regarding their loan. It is highly beneficial as it keeps the borrower aware of his loan repayment details. Here are 3 essential things to know about the calculator –
1. You can only calculate the EMI in case of fixed interest rate. For variable interest, the monthly installments will b variable as the rate of interest.
2. EMI calculator also tells you about your amortization plan. In this, you will find your monthly installments segregated into principal, interest rate and taxes. It will also display the outstanding amount.
3. It will also depict your eligibility to apply for home loan. You can consider this as the best free option to acknowledge and work towards it.
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Home Loan is a Secured loan which is given against offered against a house/property which is funded by the bank’s money, the property could either be personal or a commercial one. The Home Loan is an aid which is availed by a money borrower from the bank by the borrowing party giving the conditional ownership of the property to the bank which can be used to retrieve the loan amount in case of a repayment failure.
There are different types of home loans:
1. Home Purchase Loan: The basic type is the home purchase loan which serves the purpose of buying house.
2.Home development Loan: This type of home loan is for the improvisation or repair of the home
3.Home migration Loan: It is that type of home loan in which wherein the borrower is already availing a home loan to finance his current home, but now wants to move to another home.
4.Bridge Loan: This type of loan helps finance the new home of the borrower when he wants to sell the existing home, this is normally a short-term loan
5.Home Construction Loan: This type of home loan taken when the borrower wants to construct a new home.
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Home Loan is a Secured loan which is given against offered against a house/property which is funded by the bank’s money, the property could either be personal or a commercial one. The Home Loan is an aid which is availed by a money borrower from the bank by the borrowing party giving the conditional ownership of the property to the bank which can be used to retrieve the loan amount in case of a repayment failure.
There are different types of home loans:
1. Home Purchase Loan: The basic type is the home purchase loan which serves the purpose of buying house.
2.Home development Loan: This type of home loan is for the improvisation or repair of the home
3.Home migration Loan: It is that type of home loan in which wherein the borrower is already availing a home loan to finance his current home, but now wants to move to another home.
4.Bridge Loan: This type of loan helps finance the new home of the borrower when he wants to sell the existing home, this is normally a short-term loan
5.Home Construction Loan: This type of home loan taken when the borrower wants to construct a new home.
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Even prior to applying for home loan, there are so many questions revolving around us. Well, need not to worry, consider these 3 things and calculate your EMI on home loan EMI calculator –
Be certain about the principal amount that you would like to borrow from the bank.
For how much time you want to avail the loan? It can be based upon your finances and responsibilities.
The bank from which you want to borrow the money. It stands very important to decide your rate of interest while calculating your EMI.
Once you are sure about the above factors, you can try these components and get with the accurate results. Try different values in case you are still confused and get sure about your equated monthly installments. Home loan EMI calculator is free to use and can be found easily on internet.
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Loan providers or need the borrower to submit some documents for the filing of a home loan application. People from different working backgrounds need to submit different set of documents. However, the common documents needed to be submitted by both self-employed and salaried individuals are given below:
A correctly filled home loan application form which will be considered in the process of loan sanctioning.
2 recent passport size photographs.
Identity proof copy which can include Aadhar card/Passport/PAN card etc.
Copy of address proof which can include a latest electricity bill or water bill.
Copy of the account statement from the last 12 months or copy of a passbook of all saving and current accounts.
Copy of a signature proof mainly including the PAN card copy.
A duly filled and signed check which covers the cost or processing fee in the name of the bank as a processing application fee.
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Any individual on salary basis, self-employed or business person with Indian nationality can apply for a home loan.
The age that enables you to avail a home loan is 21 years or above.
A regular source of income is a must to make you eligible for availing home loan. This is requited for the timely repayment of the loan amount in the form of EMIs. A monthly income of Rs. 25000 or above is a basic necessity. Further your eligibility depends upon your other obligations like current EMIs, you must keep in mind to not exceed 45% to 50% of your monthly salary in paying installments.
A professional stability and good savings can help you in availing a home loan.
A bad credit history is something that is looked down upon when it comes to availing home loans.
For self-employed individuals, what affects your eligibility majorly is the profit you earn in order to determine the home loan amount.
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A home loan EMI calculator is an online tool available through many banking organizations. It helps in calculating the equated monthly installments against a specific loan and tenure. Emi calculator provides accurate results and prevents manual errors and assumptions. It helps the borrowers in following ways –
Home loan EMI calculator lets the borrower calculate and play with the numbers for a while before actually applying for the loan. It gives him clear picture about the next years.
You can get the accurate results of EMI monthly and lets you shape your decision.
It is free of cost, so you need not consult advisors anymore.
Get instantly benefited with the results.
You will find these calculators separately for all the banks on their website on which you can put the essential information and achieve the results.
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Mumbai is also known as city of dreams. It lies in Maharashtra state. Mumbai is a hub of huge tourist attraction. People from all over the country move into this city in search of employment and higher education. Some of the famous places of this city are – Marine drive, Elephanta caves, Gateway of India etc. If you are new to the city, you may be wondering the cost of pg in andheri east. It totally depends on the location and facilities. Since Mumbai is little expensive so you can expect a double sharing room on an average 9000-12000 INR. Some of the affordable places present in the city are :
Powai.
Thane.
Andheri East.
Kharghar.
Malabar Hill.
Chembur
For affordable yet spacious Pg in Mumbai, you will get many options here. Rest, you can compare and select one for yourself.
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Hyderabad is an IT city in Telangana state. It attracts various people here to live for multiple reasons such as – studies, higher education, IT jobs, other profession etc. Hyderabad is also an expensive city to live. If you are moving in the city, the first concern is a place to live. These places are good localities for your consideration – Manikonda, Telecom Nagar, Gachibowli, Financial District, Jubilee Hills, Kukatpally, Kothaguda etc. Living as a pg in Hyderabad has so many benefits such as –
Living in a paying guest accommodation will save you a lot as a bachelor or fresher. You have options to live in double or triple sharing room.
You need not have to worry about food as it is mostly included in the rent only. Outside food can be challenging to find.
There is much less responsibility while living in a PG.
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Housing properties in Noida are affordable. There are a lot of people who move here with family and look for cheap rentals or properties as they have limited resources. There are also students who move from different parts of the state and look for pg in Noida that do not put a dent in their pockets.Sectors 15A, 16B, 19, 40, 44, 52, 137, 121, and 143 are good places to stay and properties here are cheap here. There are a lot of good schools, hospitals, commercial houses, shopping malls, and colleges in these areas. The streets are lively and safe for residential purposes.
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Home loan EMI calculator is an online tool answering all the perplexed minds regarding their loan. It is highly beneficial as it keeps the borrower aware of his loan repayment details. Here are 3 essential things to know about the calculator –
You can only calculate the EMI in case of fixed interest rate. For variable interest, the monthly installments will b variable as the rate of interest.
EMI calculator also tells you about your amortization plan. In this, you will find your monthly installments segregated into principal, interest rate and taxes. It will also display the outstanding amount.
It will also depict your eligibility to apply for home loan. You can consider this as the best free option to acknowledge and work towards it.
0 notes
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Bangalore or Electronic city is now hub for IT companies and renowned educational institutes. For these obvious reasons it is continuously inviting people from different states. The first thing for every migrant is a thought of place to live. Marathahalli in Bangalore lies in the eastern area of the city. It is becoming hub for rental houses. It is one of the safest yet most affordable places in Bangalore. You can easily find paying guest in Bangalore under all budgets. Here are reasons to live in this place –
There are so many IT spaces and educational institutes nearby so if your destination lies somewhere near, you can easily manage to get good pg in Bangalore.
Good connectivity is one strong aspect where you will never face difficulty in travelling.
Be it an IT professional or student, if you are looking for affordable yet beautiful PG, Marathahalli is the place in bangalore.
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Bangalore or Electronic city is now hub for IT companies and renowned educational institutes. For these obvious reasons it is continuously inviting people from different states. The first thing for every migrant is a thought of place to live. It is becoming hub for rental houses. It is one of the safest yet most affordable places in India. You can easily find pg in Bangalore under all budgets. Here are reasons to live in this place -
1. There are so many IT spaces and educational institutes nearby so if your destination lies somewhere near, you can easily manage to get good pg in Bangalore.
2. Good connectivity is one strong aspect where you will never face difficulty in travelling.
3. Be it an IT professional or student, if you are looking for affordable yet beautiful PG, Bangalore is the place.
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Hinjewadi is a sprawling modern suburb with a high concentration of tech companies and business parks. It attracts various people here to live for multiple reasons such as — studies, higher education, IT jobs, other professions, etc. Hinjewadi is also an expensive city to live in. If you are moving into the city, the first concern is a place to live. Living as a pg in Hinjewadi has so many benefits such as-
· Living in a paying guest accommodation will save you a lot as a bachelor or fresher. You have options to live in a double or triple sharing room.
· You need not have to worry about food as it is mostly included in the rent only. Outside food can be challenging to find.
· There is much less responsibility while living in a PG.
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Chennai is famous for tourist places, street food, shopping, good residential areas, job opportunities, good education and what not. If you are a bachelor or student who is about to live in Chennai, should know which place is the best and why. You will get numerous accommodations to live and pg in Chennai is one good option to consider. Here is why Chennai is best place to live –
1. Chennai is a very good residential area. The neighborhood is excellent.
2. The connectivity is top-notch, and you will never find difficulty in transportation.
3. You can get lots of affordable options in pg in Chennai. There are so many places for entertainment here such as – Restaurants, RWH theme park, Tarang arts, Hand laser tag, good nigh clubs etc.
You can consider Chennai as a locality to live.
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Bangalore is famous for tourist places, street food, shopping, good residential areas, job opportunities, good education and what not. If you are a bachelor or student who is about to live in Bangalore, should know which place is the best and why. You will get numerous accommodations to live and pg in Jayanagar is one good option to consider. Here is why Jayanagar is best place to live in the city –
1. Jayanagar is a very good residential area. The neighborhood is excellent.
2.The connectivity is top-notch, and you will never find difficulty in transportation.
3. You can get lots of affordable options in pg in Jayanagar.
4. There are so many places for entertainment here such as – Restaurants, RWH theme park, Tarang arts, Hand laser tag, good nigh clubs etc.
You can consider Jayanagar as a locality to live.
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Pune is a very lively city present in the state of Maharashtra. It is very popular because of diversity, food joints, IT sector, education, entertainment hubs and historical places. You will find weather of Pune to be lively and pleasant. Since there is a huge need in residential areas, you will find many pg in Pune readily available at good prices. You can find these places to be feasible and premium for accommodation –
1. Viman Nagar.
2. Koregaon Park.
3. Kalyan nagar.
4. Shivaji Nagar.
5. Kharadi.
6. Kalyani Nagar.
Usually,
pg in Pune
costs around 7000-10,000 INR on double sharing basis. For people with less budget can look for triple sharing options. In some localities it can go up to a few bucks. Although, you will get abundant of options even near your target destination.
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