With the increment in the population, the need for house arises. But not everyone is capable to build their own house becomes most of the population in the World belong to the middle-class family. Hence to make their dream comes true, they have to take help from the lending institutions as a home loan. The loan is a common term nowadays. Everybody has a loan either it is a personal loan, bike loan, education loan, home loan, car loan and many more. If you have knowledge about the home loan it is good but if you are going to apply for the home loan and it is your first time and have not much knowledge about it than it is necessary to keep some factors on your mind.

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Hence before applying for a housing loan check the things you have to keep in your mind. Some points are mentioned below:-
  1. Calculate EMI Before Applying- If you are going to apply for the loan, must calculate the EMI amount to have to pay. Use Home Loan EMI calculator to calculate the amount. You can use a slider provided in it to increase the amount according to your choice and needs.

  2. Choose the Best lender- Before applying for the loan you must have to choose the best lender for the loan. There are various lenders which are ready to finance your dreams. Have a look at these below options:
          A.) Various Private and Govt. sector Banks.
          B.) NBFC (Non-Banking Financial Company).



  3. Must check the credit score- According to the RBI, it is mandatory for credit bureaus to give one free credit report per the calendar year to an individual upon if request. If any issue like the credit score is lower than contact with the financial institutions to improve your credit score.
  4. Always Look for the best loan terms which suit better- Before applying for the loan you must have to check the terms and conditions for the loan. You must choose the best option which suits you.

  5. Loan eligibility and criteria– The loan eligibility and eligibility criteria differ from bank to bank. Some of the financial institutions require only minimal documents but some of them need full documentation. Hence, before applying always check with 3-4  banks/finance companies.

  6. Must Read the fine print Well- Read the loans terms and conditions carefully and always check for the details on like about the processing fees, pre-payment charges etc.


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One most important thing is that before going through the loan always calculate the EMI amount with the help of the Housing Loan Interest Calculator. An online tool is available to calculate the EMI amount you need to pay monthly or per month. It just required the basic information like Principal, the rate of interest and duration of the loan. You will get the EMI amount in a few seconds.

Know To Use Home Loan EMI Calculator: How to use Home Loan EMI Calculator