Agar aap ghar kharidne ka soch rahe hain aur home loan lene ka plan bana rahe hain, to kuch cheezen hain jo aapko dhyan mein rakhni chahiye. Yeh tips aapko better decision lene mein madad karenge aur aapko unnecessary financial burden se bachayenge.
1. Loan Interest Rate
Home
loan lene se pehle, interest rate par dhyan dena sabse zaroori hai. Byaj ki dar
loan ki EMI ko directly affect karti hai. Agar byaj ki dar high hai, to EMI bhi
high hogi aur total payment bhi zyada hoga. Compare karne ke liye alag-alag
banks ke interest rates ko dekhna chahiye aur apne budget ke hisaab se sahi
rate choose karna chahiye.
Example:
Agar aap Rs. 30 lakh ka loan 20 saal ke liye 7% interest
rate par lete hain, to aapki monthly EMI Rs.23,259/- hogi. Agar interest rate
8% hota hai, to EMI Rs. 25,093/- hogi. Yeh difference aapki total payment par
bhi impact karega.
2. Loan Ki Avadhi Ka Dhyan
Loan ki
avadhi (tenure) bhi EMI par prabhav dalti hai. Short tenure mein EMI zyada hoti
hai lekin interest kam hota hai, aur long tenure mein EMI kam hoti hai lekin
total interest zyada hota hai. Apni financial condition ko dekhte hue, tenure
ka decision lein.
Example:
Agar aap Rs. 30 lakh ka loan 15 saal ke liye lete hain 7%
interest mein, toh EMI Rs. 26,965/-
hogi aur total payment RS. 48,53,673/- hogi. Agar tenure 25 saal ho, to EMI Rs.
21,203/- hogi lekin total payment Rs. 63,61,013/- hogi.
3. Calculator Ka Upyog Karein
EMI
calculate karne ke liye aap online calculators ka upyog kar sakte hain jo aapko
accurate EMI aur total payment ka idea dete hain. Yeh tools aapke financial
planning ko asaan banate hain aur aapko loan lene se pehle clear picture mil
jati hai.
Example:
Online EMI calculators se aap loan amount, interest rate, aur tenure input
karke EMI ka calculation kar sakte hain aur apne budget ke hisaab se decision
le sakte hain.
App Home Loan EMI Calculator
use kar dekh sakte hain
4. Home Loan Processing Fee
Processing
fee ko bhi nazarandaaz nahi karna chahiye. Yeh fee loan amount ka 0.5% se lekar
1% tak hoti hai. Kuch banks processing fee waivers bhi offer karti hain. Loan
lene se pehle, is fee ka hisaab zaroor lagayein.
Example:
Agar aap Rs. 30 lakh ka loan lete hain aur processing fee
1% hai, to aapko Rs.
30,000/- fee deni hogi.
5. Hidden Costs
Loan ke
sath kuch hidden costs bhi hoti hain, jaise legal fees, technical valuation
charges, documentation fees, etc. Yeh additional costs aapke total loan amount
ko badha sakti hain. In hidden costs ka bhi hisaab pehle se lagana zaroori hai.
Example:
Legal fees Rs. 10,000/- technical valuation Rs. 5,000/- aur
documentation fees Rs. 2,000/- honi ki sambhavnayein hoti hain, jo ki aapke
total expenses ko Rs.17,000/-
badha deti hain.
6. Credit Score
Aapka
credit score aapki loan application par badi impact dalta hai. Achha credit
score (750 aur upar) aapko better interest rates aur quick loan approval ke
liye help karta hai. Credit score ko maintain karna zaroori hai.
Example:
Agar aapka credit score 780 hai, to aapko lower interest rate aur better loan
terms mil sakte hain.
7. Vittiya Sthiti
Aapki
financial stability bhi loan approval mein mahatvapurn hoti hai. Banks aapki
income, expenses, aur existing liabilities ko dekhte hain. Achhi financial
stability se aapko loan ki amount aur terms behtar milti hain.
Example:
Regular income aur low existing debts bank ko aapke loan application ko
positive manner mein dekhne mein madad karte hain.
8. Kagaz Sambhal Kar Rakhein
Home
loan apply karte waqt zaroori documents ko sahi tarah se sambhal kar rakhein.
Yeh documents include karte hain income statements, salary slips, form 16, bank
statements, aur property documents.
Example:
Agar aapne income proof aur property documents sahi tarah se prepare kiye hain,
to loan approval process smooth aur quick hoti hai.
9. Jazbaat Se Nahi, Dimag Se Kaam Karein
Loan
lene ka decision emotion ke bajaye practical reasons par adharit hona chahiye.
Har aspect ko samajh kar aur calculate karne ke baad hi loan lena chahiye, nahi
to financial problems ho sakti hain.
Example:
Agar aapko lagta hai ki aap current EMI ko afford nahi kar paenge, to loan lene
se pehle apne budget aur future financial plans ko zaroor consider karein.
10. Term Aur Conditions Ko Zaroor Padhein
Loan ke
terms aur conditions ko dhyan se padhein. Bank ke clauses aur conditions ko
samajhkar hi loan agreement ko sign karein. Ye terms future mein aapko kisi bhi
legal issue se bachayenge.
Example:
Agar bank ka prepayment penalty clause aapko acceptable nahi lagta, to dusri
bank ke offers ko consider karein jo better terms provide karte hain.
In
points ko dhyan mein rakhkar, aap home loan lene ka decision aur process ko
asaan aur beneficial bana sakte hain. Har aspect ko carefully evaluate karne se
aap unnecessary financial strain se bach sakte hain aur apne loan ko
effectively manage kar sakte hain.
