Home Loan लेने जा रहे हैं? ये 10 Smart Tips आपको EMI Trap से बचाएँगी!

घर Emotional Decision है, Loan Financial Decision है. दोनों को अलग रखकर Planning करें. जानें Home Loan Tips.

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EMI पहले से तय करें. Future Expenses जैसे बच्चों के School, Medical आदि को ध्यान में रखें. Monthly Income की 30–40% से ज़्यादा EMI नहीं होनी चाहिए.

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यदि आपका CIBIL Score 750 से कम है तो आपको लोन Costly पड़ेगा. कम CIBIL को बढ़ाने के तरीके के लिए अंतिम स्लाइड देखें.

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Home Loan लोग Long-Term के लिए लेते हैं, ऐसे में Fixed Rate के स्थान पर Floating Rate सस्ता पड़ता है.

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Down Payment जितना ज़्यादा होगा, उतना फायदा होगा. इससे EMI कम, Interest Burden कम और Loan जल्दी खत्म हो जायेगा.

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Long Tenure रखने से EMI कम रहती है, Salary बढ़ने पर Prepayment से कम Tenure पर लोन खत्म हो जाता है.

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सिर्फ Interest Rate ही नहीं Processing Fee, Legal & Valuation Charges, MOD / Stamp Duty और Foreclosure / Prepayment Conditions/Charges को देखकर Loan लें.

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First-Time Buyer को PMAY (CLSS) के तहत ₹2–2.67 लाख तक Interest Subsidy मिलती है.

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Home Loan Insurance Compulsory नहीं है, परन्तु Insurance जरूर कराएँ. Term Insurance के साथ Home Loan Coverage एक Smart Option है.

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Joint Loan से Eligibility बढ़ जाती है. Father/Mother/Spouse आदि के साथ Joint Loan लेने से सभी को Tax Benefits मिलते हैं.

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Income Tax के Section 80C, 24(b) और 80EE / 80EEA के तहत Home Loan पर कई Tax Benefits मिलते हैं.

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घर Emotional Decision है, Loan Financial Decision है. दोनों को अलग रखकर Planning करें. जानें Home Loan Tips.

EMI पहले से तय करें. Future Expenses जैसे बच्चों के School, Medical आदि को ध्यान में रखें. Monthly Income की 30–40% से ज़्यादा EMI नहीं होनी चाहिए.

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यदि आपका CIBIL Score 750 से कम है तो आपको लोन Costly पड़ेगा. कम CIBIL को बढ़ाने के तरीके के लिए अंतिम स्लाइड देखें.

Home Loan लोग Long-Term के लिए लेते हैं, ऐसे में Fixed Rate के स्थान पर Floating Rate सस्ता पड़ता है.

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Down Payment जितना ज़्यादा होगा, उतना फायदा होगा. इससे EMI कम, Interest Burden कम और Loan जल्दी खत्म हो जायेगा.

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Long Tenure रखने से EMI कम रहती है, Salary बढ़ने पर Prepayment से कम Tenure पर लोन खत्म हो जाता है.

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सिर्फ Interest Rate ही नहीं Processing Fee, Legal & Valuation Charges, MOD / Stamp Duty और Foreclosure / Prepayment Conditions/Charges को देखकर Loan लें.

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First-Time Buyer को PMAY (CLSS) के तहत ₹2–2.67 लाख तक Interest Subsidy मिलती है.

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Home Loan Insurance Compulsory नहीं है, परन्तु Insurance जरूर कराएँ. Term Insurance के साथ Home Loan Coverage एक Smart Option है.

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Joint Loan से Eligibility बढ़ जाती है. Father/Mother/Spouse आदि के साथ Joint Loan लेने से सभी को Tax Benefits मिलते हैं.

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Income Tax के Section 80C, 24(b) और 80EE / 80EEA के तहत Home Loan पर कई Tax Benefits मिलते हैं.

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