Now buying your own house is not just your dream but our job too. Apply For Home Loans and Get your Loan Approved. For construction of house/addition in house/purchase of built up house/flat and purchase of plot.
Once the home is selected we need to find the right home loan provider who could guide us through the process of acquiring the loan. Home loan is a long term investment plan and in order to make the home loan process a smooth one we need to know about the home loan providers in Hisar, Haryana. To avail the home loan without any help or expert advice is a difficult task so taking help from the home loan agents in Hisar, Haryana is the right solution to resolve the home loan queries and also avail a good home loan deal without any hassle.
Tax benefits
The foremost benefit of a home loan is the income tax deduction you can claim on the interest and principal repayments. You can claim up to Rs.1.5 lakh on principal repayments u/s 80C, up to Rs.2 lakh on interest repayments u/s 24B, up to Rs.2 lakh on interest repayment in special circumstances u/s 80EE and 80EEA, and up to Rs.1.5 lakh on stamp duty expenses u/s 80C.
Lower interest rate
The home loan interest rate is much lower as compared to any other loan types available. If you come across a cash crunch, you may get a top-up on the existing home loan at a lower interest rate than a personal loan to solve the issue.
Balance transfer facility
You can transfer the home loan from one lender to another for several reasons, such as the interest rate, service charges, customer service experience, and others.
Different Types Of Home Loans
- Home Purchasing Loan – A simple loan taken while purchasing your dream house.Â
- Home Improvement Loan – Purchasing a house always need repair and renovation, so you can go for a Home improvement loan.Â
- Home Construction Loan – Thinking of constructing a house? then choose a Home Constructing loan.
- Land Purchase Loan – Want to buy a plot of land, then take a land purchasing loan.
- Home Extension Loan – Adding a new room or floor, then home extension loan will be perfect for you.Â
- Joint Home Loan – Joint home loan is taken by two people like a husband-wife, brother-brother or brother-sister.Â
- Home Loan Balance Transfer – If you find a new lender that provides low EMI and interest rate, then you can opt for a Home loan balance transfer.
- Top Up Home Loan – for borrow some extra loan on an outstanding loan, then a top up home loan is best for you.Â
Service Benefits
- What are the current applicable home loan rates?
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Fulfil your dream of a home with the lowest interest rates offered by our partner Housing loan company and banks. They have different slabs for home loan interest rate for salaried starting at 8.75% and for self-employed starting at 8.99% only.
- What is EMI and Pre-EMI?
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Your loan is repaid through Equated Monthly Installments, which include principal and interest component. EMI repayment starts from the subsequent month of full loan disbursement, while Pre-EMI is the simple interest, payable every month till the time loan is fully disbursed.
- How do I get my loan statement and income tax certificate?
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You need to contact your nearest branch to get the required documents; we also send income tax statement to all our customers at the end of every financial year.