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Home Loan Equity Kya Hai (Hindi Jankari)

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tatkal paise ki jarurt aapko sankat me daal skati hai. isliye samjhdaari se kaam lijiye. agar home equity loan lena chahte hai toh phle us per puri research krle otherwise aap dub sakte hai. toh chaliye aaj hum aapko batayege ki experts ki iske baare me kya raay hai aur kis tarah se aap home equity loan ke liye apply kar sakte ho aur kis tarah se aap fraud se bach sakte ho.

paise ki jarurt sabhi ko hoti hai lekin kuch log ese bhi hote hai jinko ekdum se paisa chahiye hota hai ya fir thoda aur paisa chahiye hota hai toh iske liye aap kya kar sakte hai chaliye jante hai home loan equity hoti kya hai?

Home Loan Equity kya hoti hai?

itna toh aap jante hi honge ki ye ek type ka advance loan hai ye loan aapko aapke home ke market rate aur aapke bakaya loan aadhar pe diya jata hai. ye loan phle aapke dwara liye gye loan ke ya fir currunt loan jo property kharidte samay liya gya ho usse extra hota hai toh isko aap second mortgage loan bhi bol sakte hai. aap isko refinance loan bhi bula sakte ho. maaze ki baat ye hai ki agar aapke home ki market rates badh jate hai toh aap new loan lekar purana loan chuka sakte ho. home loan equity do parkar ka hota hai chaliye jante hai home equity loan ke types ke baare me.

home loan interests

1.Home Equity Line Of Credit

home loan equity ke iss type me loan rates badalte rahte hai. isme pura amount ek sath nhi balki kai hisso me liya jata hai. aap jab bhi amount lete hai tab chal rhi currunt rates ke mutabik aapke byaj lagta hai. ye home loan equity ka sabse behtar idea hai. kyuki jab bhi low interest hote hai tab aap amount le sakte hai.

2.Fixed Rate loan

iss type ke loan me interest rates fix hote hai jab bhi kabhi aap loan amount ke liye apply krenge toh end tak aapko ek hi interest rates milenge.

Eligibility

home loan equity ke liye apply krne se phle aapko eligibility ke liye aapke koi bhi phle liye gye home loan ke pichle ek year ka repayment ka record aacha hona chahiye mtlb ki aapne agar bina aana kani kiye loan ki kisat chuka di hai toh hi aap home loan equity ke liye apply kar sakte hai otherwise aap home loan equity ke liye eligible nhi hai.

 

Features

home loan equity me repayment ki expire date filhal chal rahe loan ki expire date ke sath end ho sakti hai. agar customer chahe toh isko phle bhi khatam kar sakta hai. dono loan ki expire date customer ko 70 years ki age hone se pahle puri krni hoti hai. lagbhag do home equity loan ek sath liye ja skate hai. pre-payment aur pre-closer penalty nhi lagti. loan amount home ke market rates ki 75% aur loan ki bakaya rashi ke aadhar par ki jat hai. alag alag banks me iski maximum aur minimum limits alag alag hoti hai.

Cost Of Interest

bahut saare banks ki alag alag interest rates hote hai. isliye aapko salah dunga ki pahle pata kr le ki konse bank me low interest rates hai. aamtor per bank iss loan me self occupied property per liye loan ki compression me jyada interest rates lete hai. lekin personal aur credit card loan ke compression me ye loan sasta padta hai. lambi expire date me aapko jyada interest dena pad sakta hai isliye aap expire date kam krne ki koshish kare.

Other Hide Costs

processing fees ke roop me banks jyada current interest rates aur 12.36% service charge lete hai. search title deeds ke verification ke liye advocate ki fees lagti hai. property ke current rate check krne ke liye valuation reports ki fees lagti hai. loan agreement aur mortgage document per stamp duty deni hoti hai. mortgage property ka bank insurance bhi karwate hai. iss sabhi ka premium bhi dena padta hai. bank loan account ko satyapit rakhne ki fees aur loan amount nikalne ki fees bhi lagti hai.

Things To Keep In Mind

  • jaha tak possible ho home loan equity lene se bache kharch kam kare.
  • Loan agar time par nhi chukaya gya toh property se hath dhona bhi pad skata hai.
  • interest rate badhne ke liye pahle se paise ki management krke rakhe.
  • agar aap lambi expire date rakhte hai toh aapko jyada interest rate chukani padegi aur baki ke kharcho me kami karni padegi.home loan equity credit interest rates

umeed hai aapko home loan equity ke baare me samjh me aagya hoga. thank you dosto agar aapko post pasand aayi toh share karna aur agar koi question ho toh aap comment krke puch sakte ho. umeef hai aapko thodi bahut help jarur mili hogi. hame khushi hoti hai aapki help krke.

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