Home Loan Types: What Are Your Options?

Buying a home is a dream shared by millions of people in India. No words can express the feeling of opening doors to a new home. Even though, real estate prices have been on the rise, owning a home has become a lifetime goal for most of us. However, for many, the only way to accomplish that goal of owning a home is through Home Loans.

Following are the number of home loan options available in the country

Standard Home Loan

A standard home loan is something that enables you to borrow 75 to 90 percent of the property’s value from your lender. You will have to repay the loan amount in Equated Monthly Instalments (EMIs). There are some eligibility criteria that the lender expects from you that you will have to fulfil to get your loan.

Make sure you submit the documents required by the lender as soon as possible to kickstart the loan application process.

Home Construction Loan

If you’re someone who already owns a piece of land and wants to construct a house on that, you should opt for a home construction loan. Unlike a standard home loan, in home construction loans the lender disburses the money in instalments based on the progress of the construction work.

Home Extension Loan

As the name suggests, home extension loans are availed by those who want to renovate or add a portion to their existing home. Generally, home extension loans are for a smaller amount compared to a standard home loan.

Home Loan Balance Transfer

You can choose to pay the remainder of your loan amount to a different lender for various reasons. This is possible through a home loan balance transfer. Before switching your lender, you should have to know about the hidden costs involved to ensure that the transfer is profitable.

To summarize

Now that you know the different types of home loans available, it shouldn’t be hard to pick the right one for you. After choosing the right type of home loan, you should start looking for the right lender.

Cholamandalam.com is one of the leaders when it comes to fulfilling the housing dreams of a multitude of Indians. Now apply for a home loan from Chola with ease by logging on to Chola Home Loans. You are always welcome to walk into the nearest Chola branch to avail of our loan services.

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