Home Loan Lene Se Pehle 10 Baaton Ka Rakhein Khayal

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.